Cheapest Car Insurance Quotes in Berryville

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Berryville Car Insurance

^$ 25

/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 Berryville

The car insurance rate in Berryville is $687 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Berryville 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 Berryville

$687

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Berryville

1st place: Virginia Farm Bureau

At $353 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 $433 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 $439 for six months, making it the third cheapest auto insurance company in Berryville.

Berryville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Berryville, VA is Virginia Farm Bureau, offering policies at just $353 for a six-month term. This is followed by American Family, which has an average six-month premium of $433.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1476 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Berryville drivers find the best deals.

Cheap Car Insurance Companies in Berryville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$353	$60
American Family	$433	$72
Auto-Owners Insurance Co	$439	$75
Cincinnati	$444	$74
Travelers	$593	$100
Erie	$599	$101
USAA	$644	$108
Farm Bureau	$673	$113
Nationwide	$673	$113
Mercury	$747	$126
State Farm	$809	$136
Progressive	$1061	$179
Allstate	$1476	$249

Key Takeaways

Way's key takeaways about car insurance in Berryville

The auto insurance costs in Berryville fall around $353 for six months.
The cheapest auto insurance company in Berryville is Virginia Farm Bureau.
Teen drivers pay the highest rate in Berryville at $846 per month.

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Cheapest Minimum Liability Car Insurance in Berryville

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 Berryville are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Berryville. Their Average 6 Month Premium is $148. Nationwide is the most expensive at $661 for the same period.

Cheapest Liability Coverage in Berryville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$148	$25
American Family	$165	$28
Cincinnati	$200	$34
Auto-Owners Insurance Co	$223	$37
Mercury	$228	$38
Travelers	$234	$39
USAA	$245	$41
Farm Bureau	$251	$42
Erie	$279	$47
State Farm	$353	$60
Progressive	$519	$87
Allstate	$621	$105
Nationwide	$661	$111

Cheapest Full Coverage Car Insurance in Berryville

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 Berryville is Virginia Farm Bureau at $60 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Berryville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$353	$60
American Family	$433	$72
Auto-Owners Insurance Co	$439	$75
Cincinnati	$444	$74
Travelers	$593	$100
Erie	$599	$101
USAA	$644	$108
Farm Bureau	$673	$113
Nationwide	$673	$113
Mercury	$747	$126
State Farm	$809	$136
Progressive	$1061	$179
Allstate	$1476	$249

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Average Car Insurance in Berryville 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 Berryville, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Berryville, 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, Berryville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Berryville

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	$630
30s	Virginia Farm Bureau	$474
40s	USAA	$443
50s	USAA	$416
60s	USAA	$438
70s	USAA	$693

Cheapest Car Insurance Rates for Teen Drivers in Berryville,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 Berryville at $25 per month. At $5024 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	$148	$25
Mercury	$200	$34
American Family	$217	$36
Auto-Owners Insurance Co	$256	$43
Travelers	$747	$126
Farm Bureau	$781	$132
Erie	$1072	$180
USAA	$1260	$212
State Farm	$2361	$397
Nationwide	$3627	$611
Allstate	$3644	$613
Progressive	$5024	$846

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 Berryville.

As young drivers face the highest rates in Berryville, USAA offers the cheapest auto insurance rates at $630 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 Berryville, Mercury is the cheapest car insurance provider. At $211 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 Berryville is State Farm, offering rates of around $3929 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Virginia Farm Bureau	$223	$37
Cincinnati	$365	$60
Travelers	$753	$127
Nationwide	$1038	$175
USAA	$1078	$183
Farm Bureau	$1232	$205
Erie	$1693	$288
Progressive	$2052	$342
Allstate	$2241	$381
State Farm	$3929	$655

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Car Insurance Rates with An Accident in Berryville

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 Berryville, VA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Berryville include AutoOwners Insurance Co and Virginia Farm Bureau, offering $205 and $205, respectively. Encompass is an expensive provider with an average six-month premium of $462.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$205	$35
Virginia Farm Bureau	$205	$35
American Family	$217	$36
Cincinnati	$262	$44
Mercury	$302	$50
Electric	$365	$62
Travelers	$433	$73
Farm Bureau	$536	$90
USAA	$605	$102
Erie	$708	$119
State Farm	$735	$124
Nationwide	$1511	$254
Progressive	$1711	$288
Allstate	$3159	$532
Encompass	$462	$79

Berryville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Berryville VA. For example, the car insurance in Berryville after a DUI increases to $901 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Berryville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$901	$150
One Med/PIP claim	$901	$154
Not-at-fault accident	$935	$156
Two Med/PIP claims	$964	$164
One comp claim	$975	$162
Two comp claims	$1020	$174
Failure to show documents	$1026	$171
Driving without lights	$1044	$178
Child safety restraint	$1049	$175
Driving with expired registration	$1061	$180
Failure to wear a seat belt	$1072	$179
Cell phone violation	$1084	$184
Driving too slowly	$1084	$180
Failure to yield	$1084	$184
Speeding in school zone	$1084	$180
Texting while driving	$1084	$184
Wrong way/wrong lane	$1084	$180
Failure to stop at a red light	$1090	$185
Following too closely	$1090	$181
Illegal turn	$1090	$185
Improper passing	$1090	$181
Speeding 6 - 10 MPH over limit	$1090	$185
Speeding 16 - 20 MPH over limit	$1100	$183
Speeding 11 - 15 MPH over limit	$1106	$188
Passing school bus	$1140	$190
In 65 MPH zone	$1181	$201
Open container	$1197	$200
Speeding 21 - 25 MPH over limit	$1197	$204
At-fault accident - less than $1000	$1232	$205
Operating a vehicle without permission	$1323	$225
At-fault accident - $1000-$2000	$1340	$224
At-fault accident - greater than $2000	$1340	$228
Reckless driving	$1631	$272
Racing	$1751	$298
DUI	$1802	$300
Refusal to submit to a chemical test	$1802	$306
Driving with a suspended license	$1893	$316
Leaving scene of an accident/hit and run	$1893	$322

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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 Berryville 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 Berryville.

The cheapest car insurance premiums in Berryville are offered by Virginia Farm Bureau at $182 for a six-month policy. However, it can be as expensive as $2149 with companies like Allstate.

Berryville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$182	$31
Mercury	$205	$35
American Family	$325	$54
Auto-Owners Insurance Co	$353	$60
Travelers	$541	$91
Farm Bureau	$559	$94
USAA	$912	$154
State Farm	$1164	$196
Erie	$1369	$230
Progressive	$1466	$247
Nationwide	$1939	$326
Allstate	$2149	$362

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 Berryville are offered by Mercury at $211. However, it can be as expensive as $2361 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Berryville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Virginia Farm Bureau	$217	$36
American Family	$223	$37
Auto-Owners Insurance Co	$228	$38
Cincinnati	$228	$38
Travelers	$450	$76
Erie	$547	$92
State Farm	$684	$115
USAA	$741	$126
Farm Bureau	$799	$133
Nationwide	$1579	$269
Progressive	$1660	$276
Allstate	$2361	$401

Car Insurance Price Trends in Berryville, Virginia

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

The average cost of full coverage in the Berryville rose by $157 in January compared to $86 of December. In other words, there has been an increase by $71 when you compare January and December.

The average cost of liability insurance in the Berryville rose to $53 in January, compared to $44 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Berryville?

The car insurance in Berryville is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Berryville?

The cheapest car insurance in Berryville is $60 per month for full coverage.

How much is car insurance in Berryville for teenagers?

Car insurance for teenagers costs $148 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 Berryville?

The average cost of car insurance is $716 for a six-month policy. It will cost around $115 per month to insure your car in Berryville.

Is car insurance expensive in Berryville?

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

Cheapest Car Insurance Quotes in Berryville

Why you can trust Way?

How Much Is Car Insurance in Berryville

Avg. Car Insurance in Berryville

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Berryville

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Berryville Car Insurance Rates by Company

Cheap Car Insurance Companies in Berryville, VA

Way's key takeaways about car insurance in Berryville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Berryville

Cheapest Liability Coverage in Berryville, VA

Cheapest Full Coverage Car Insurance in Berryville

Cheapest Full Coverage Car Insurance Quotes in Berryville, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Berryville by Rating Factor

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

Car Insurance Premiums by Age in Berryville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Berryville,VA

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

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 Berryville

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

Berryville Car Insurance Rates by Violation

Berryville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Berryville after a DUI

Berryville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Berryville after Speeding ticket

Car Insurance Price Trends in Berryville, Virginia

Average Car Insurance Cost in Berryville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Berryville, VA

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

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