Cheapest Car Insurance Quotes in Bensley

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Bensley Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bensley

The car insurance rate in Bensley is $715 for a six-month policy, which is $77 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Bensley can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bensley

$715

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Bensley

1st place: Virginia Farm Bureau

At $412 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $505 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $512 for six months, making it the third cheapest auto insurance company in Bensley.

Bensley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bensley, VA is Virginia Farm Bureau, offering policies at just $412 for a six-month term. This is followed by American Family, which has an average six-month premium of $505.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1290 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bensley drivers find the best deals.

Cheap Car Insurance Companies in Bensley, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$412	$71
American Family	$505	$84
Auto-Owners Insurance Co	$512	$87
Cincinnati	$519	$86
Nationwide	$586	$99
Erie	$625	$105
Travelers	$672	$113
State Farm	$712	$119
USAA	$772	$130
Farm Bureau	$832	$139
Mercury	$871	$147
Progressive	$984	$165
Allstate	$1290	$220

Key Takeaways

Way's key takeaways about car insurance in Bensley

The auto insurance costs in Bensley fall around $412 for six months.
The cheapest auto insurance company in Bensley is Virginia Farm Bureau.
Teen drivers pay the highest rate in Bensley at $792 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bensley

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bensley are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Bensley. Their Average 6 Month Premium is $172. Nationwide is the most expensive at $559 for the same period.

Cheapest Liability Coverage in Bensley, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$172	$29
American Family	$193	$32
Cincinnati	$233	$39
Travelers	$253	$43
Auto-Owners Insurance Co	$260	$44
Mercury	$267	$45
Farm Bureau	$279	$47
USAA	$279	$47
Erie	$312	$53
State Farm	$339	$57
Progressive	$432	$72
Allstate	$559	$95
Nationwide	$559	$93

Cheapest Full Coverage Car Insurance in Bensley

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bensley is Virginia Farm Bureau at $71 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bensley, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$412	$71
American Family	$505	$84
Auto-Owners Insurance Co	$512	$87
Cincinnati	$519	$86
Nationwide	$586	$99
Erie	$625	$105
Travelers	$672	$113
State Farm	$712	$119
USAA	$772	$130
Farm Bureau	$832	$139
Mercury	$871	$147
Progressive	$984	$165
Allstate	$1290	$220

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Average Car Insurance in Bensley by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bensley, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Bensley, Virginia, may be increasing due to several external factors. Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bensley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bensley

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$728
30s	Virginia Farm Bureau	$549
40s	USAA	$512
50s	USAA	$480
60s	USAA	$505
70s	USAA	$802

Cheapest Car Insurance Rates for Teen Drivers in Bensley,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Bensley at $29 per month. At $4750 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$172	$29
Farm Bureau	$220	$37
Mercury	$233	$39
American Family	$253	$43
Travelers	$260	$44
Auto-Owners Insurance Co	$299	$50
Erie	$1005	$169
USAA	$1297	$218
State Farm	$2308	$389
Nationwide	$2921	$487
Allstate	$3392	$577
Progressive	$4750	$792

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Bensley.

As young drivers face the highest rates in Bensley, USAA offers the cheapest auto insurance rates at $728 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bensley, Mercury is the cheapest car insurance provider. At $246 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bensley is Nationwide, offering rates of around $473 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Virginia Farm Bureau	$260	$44
Travelers	$399	$66
Cincinnati	$426	$73
Nationwide	$473	$78

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Car Insurance Rates with An Accident in Bensley

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bensley, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bensley

The cheapest car insurance companies after an at-fault accident in Bensley include AutoOwners Insurance Co and Virginia Farm Bureau, offering $240 and $240, respectively. Encompass is an expensive provider with an average six-month premium of $539.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$240	$40
Virginia Farm Bureau	$240	$40
American Family	$253	$43
Cincinnati	$306	$52
Farm Bureau	$312	$53
Travelers	$319	$54
Mercury	$353	$58
Electric	$426	$73
USAA	$599	$101
Erie	$665	$112
State Farm	$752	$127
Nationwide	$1271	$216
Progressive	$1690	$281
Allstate	$2182	$371
Encompass	$539	$92

Bensley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bensley VA. For example, the car insurance in Bensley after a DUI increases to $1050 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

Bensley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
One Med/PIP claim	$1052	$179
Not-at-fault accident	$1091	$181
Two Med/PIP claims	$1124	$192
One comp claim	$1138	$189
Two comp claims	$1191	$203
Failure to show documents	$1197	$199
Driving without lights	$1217	$207
Child safety restraint	$1224	$204
Driving with expired registration	$1238	$211
Failure to wear a seat belt	$1251	$208
Cell phone violation	$1264	$215
Driving too slowly	$1264	$211
Failure to yield	$1264	$215
Speeding in school zone	$1264	$211
Texting while driving	$1264	$215
Wrong way/wrong lane	$1264	$211
Failure to stop at a red light	$1271	$216
Following too closely	$1271	$212
Illegal turn	$1271	$216
Improper passing	$1271	$212
Speeding 6 - 10 MPH over limit	$1271	$216
Speeding 16 - 20 MPH over limit	$1284	$214
Speeding 11 - 15 MPH over limit	$1290	$220
Passing school bus	$1331	$222
In 65 MPH zone	$1378	$234
Open container	$1397	$233
Speeding 21 - 25 MPH over limit	$1397	$237
At-fault accident - less than $1000	$1437	$240
Operating a vehicle without permission	$1543	$262
At-fault accident - $1000-$2000	$1564	$261
At-fault accident - greater than $2000	$1564	$265
Reckless driving	$1903	$317
Racing	$2043	$347
DUI	$2102	$351
Refusal to submit to a chemical test	$2102	$357
Driving with a suspended license	$2209	$368
Leaving scene of an accident/hit and run	$2209	$375

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bensley after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bensley.

The cheapest car insurance premiums in Bensley are offered by Virginia Farm Bureau at $213 for a six-month policy. However, it can be as expensive as $1830 with companies like Allstate.

Bensley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$213	$36
Mercury	$240	$40
Farm Bureau	$273	$46
Travelers	$353	$59
American Family	$380	$63
Auto-Owners Insurance Co	$412	$71
State Farm	$805	$136
USAA	$905	$152
Progressive	$1384	$231
Erie	$1417	$241
Nationwide	$1557	$260
Allstate	$1830	$311

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bensley are offered by Mercury at $246. However, it can be as expensive as $333 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Bensley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$246	$41
Virginia Farm Bureau	$253	$43
American Family	$260	$44
Auto-Owners Insurance Co	$267	$45
Cincinnati	$267	$45
Travelers	$286	$48
Erie	$312	$53
State Farm	$333	$56

Car Insurance Price Trends in Bensley, Virginia

Car insurance rates in Bensley have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bensley rose by $101 in December compared to $97 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Bensley rose to $52 in December, compared to $49 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bensley?

The car insurance in Bensley is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Bensley?

The cheapest car insurance in Bensley is $71 per month for full coverage.

How much is car insurance in Bensley for teenagers?

Car insurance for teenagers costs $172 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bensley?

The average cost of car insurance is $638 for a six-month policy. It will cost around $120 per month to insure your car in Bensley.

Is car insurance expensive in Bensley?

Car insurance can be expensive in Bensley if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bensley can be affordable.

Cheapest Car Insurance Quotes in Bensley

Why you can trust Way?

How Much Is Car Insurance in Bensley

Avg. Car Insurance in Bensley

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Bensley

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Bensley Car Insurance Rates by Company

Cheap Car Insurance Companies in Bensley, VA

Way's key takeaways about car insurance in Bensley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bensley

Cheapest Liability Coverage in Bensley, VA

Cheapest Full Coverage Car Insurance in Bensley

Cheapest Full Coverage Car Insurance Quotes in Bensley, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bensley by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bensley, VA increasing?

Car Insurance Premiums by Age in Bensley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bensley,VA

If you are in your twenties USAA is the best choice for car insurance in Bensley.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bensley

Cheapest Car Insurance Companies after an At-Fault Accident in Bensley

Bensley Car Insurance Rates by Violation

Bensley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bensley after a DUI

Bensley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bensley after Speeding ticket

Car Insurance Price Trends in Bensley, Virginia

Average Car Insurance Cost in Bensley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bensley, VA

Car Insurance Rates by State in the USA (2025 Update)

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