Cheapest Car Insurance Quotes in Castlewood

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Castlewood Car Insurance

^$ 24

/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 Castlewood

The car insurance rate in Castlewood is $600 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Castlewood 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 Castlewood

$600

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Castlewood

1st place: Virginia Farm Bureau

At $346 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 $424 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 $430 for six months, making it the third cheapest auto insurance company in Castlewood.

Castlewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Castlewood, VA is Virginia Farm Bureau, offering policies at just $346 for a six-month term. This is followed by American Family, which has an average six-month premium of $424.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Castlewood drivers find the best deals.

Cheap Car Insurance Companies in Castlewood, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$346	$59
American Family	$424	$71
Auto-Owners Insurance Co	$430	$73
Cincinnati	$435	$72
Nationwide	$492	$83
Erie	$525	$88
Travelers	$564	$95
State Farm	$598	$100
USAA	$648	$109
Farm Bureau	$698	$117
Mercury	$731	$123
Progressive	$826	$138
Allstate	$1083	$184

Key Takeaways

Way's key takeaways about car insurance in Castlewood

The auto insurance costs in Castlewood fall around $346 for six months.
The cheapest auto insurance company in Castlewood is Virginia Farm Bureau.
Teen drivers pay the highest rate in Castlewood at $665 per month.

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Cheapest Minimum Liability Car Insurance in Castlewood

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 Castlewood are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Castlewood. Their Average 6 Month Premium is $145. Nationwide is the most expensive at $469 for the same period.

Cheapest Liability Coverage in Castlewood, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$145	$24
American Family	$162	$27
Cincinnati	$196	$33
Travelers	$212	$36
Auto-Owners Insurance Co	$218	$37
Mercury	$224	$38
Farm Bureau	$234	$39
USAA	$234	$39
Erie	$262	$44
State Farm	$285	$48
Progressive	$363	$60
Allstate	$469	$80
Nationwide	$469	$78

Cheapest Full Coverage Car Insurance in Castlewood

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 Castlewood is Virginia Farm Bureau at $59 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Castlewood, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$346	$59
American Family	$424	$71
Auto-Owners Insurance Co	$430	$73
Cincinnati	$435	$72
Nationwide	$492	$83
Erie	$525	$88
Travelers	$564	$95
State Farm	$598	$100
USAA	$648	$109
Farm Bureau	$698	$117
Mercury	$731	$123
Progressive	$826	$138
Allstate	$1083	$184

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Average Car Insurance in Castlewood 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 Castlewood, VA increasing?

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

Car Insurance Premiums by Age in Castlewood

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	$611
30s	Virginia Farm Bureau	$461
40s	USAA	$430
50s	USAA	$403
60s	USAA	$424
70s	USAA	$673

Cheapest Car Insurance Rates for Teen Drivers in Castlewood,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 Castlewood at $24 per month. At $3987 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	$145	$24
Farm Bureau	$184	$31
Mercury	$196	$33
American Family	$212	$36
Travelers	$218	$37
Auto-Owners Insurance Co	$251	$42
Erie	$843	$142
USAA	$1089	$183
State Farm	$1937	$326
Nationwide	$2452	$409
Allstate	$2847	$484
Progressive	$3987	$665

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 Castlewood.

As young drivers face the highest rates in Castlewood, USAA offers the cheapest auto insurance rates at $611 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 Castlewood, Mercury is the cheapest car insurance provider. At $207 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 Castlewood is Nationwide, offering rates of around $397 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Virginia Farm Bureau	$218	$37
Travelers	$335	$55
Cincinnati	$357	$61
Nationwide	$397	$66

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Car Insurance Rates with An Accident in Castlewood

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

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

The cheapest car insurance companies after an at-fault accident in Castlewood include AutoOwners Insurance Co and Virginia Farm Bureau, offering $201 and $201, respectively. Encompass is an expensive provider with an average six-month premium of $452.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$201	$34
Virginia Farm Bureau	$201	$34
American Family	$212	$36
Cincinnati	$257	$43
Farm Bureau	$262	$44
Travelers	$268	$45
Mercury	$296	$49
Electric	$357	$61
USAA	$503	$85
Erie	$558	$94
State Farm	$631	$106
Nationwide	$1067	$181
Progressive	$1418	$236
Allstate	$1831	$311
Encompass	$452	$77

Castlewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Castlewood VA. For example, the car insurance in Castlewood after a DUI increases to $881 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Castlewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$883	$147
One Med/PIP claim	$883	$150
Not-at-fault accident	$916	$152
Two Med/PIP claims	$944	$161
One comp claim	$955	$159
Two comp claims	$999	$170
Failure to show documents	$1005	$167
Driving without lights	$1022	$174
Child safety restraint	$1027	$171
Driving with expired registration	$1039	$177
Failure to wear a seat belt	$1050	$175
Cell phone violation	$1061	$180
Driving too slowly	$1061	$177
Failure to yield	$1061	$180
Speeding in school zone	$1061	$177
Texting while driving	$1061	$180
Wrong way/wrong lane	$1061	$177
Failure to stop at a red light	$1067	$181
Following too closely	$1067	$178
Illegal turn	$1067	$181
Improper passing	$1067	$178
Speeding 6 - 10 MPH over limit	$1067	$181
Speeding 16 - 20 MPH over limit	$1077	$180
Speeding 11 - 15 MPH over limit	$1083	$184
Passing school bus	$1117	$186
In 65 MPH zone	$1156	$196
Open container	$1172	$196
Speeding 21 - 25 MPH over limit	$1172	$199
At-fault accident - less than $1000	$1206	$201
Operating a vehicle without permission	$1295	$220
At-fault accident - $1000-$2000	$1312	$219
At-fault accident - greater than $2000	$1312	$223
Reckless driving	$1597	$266
Racing	$1715	$291
DUI	$1764	$294
Refusal to submit to a chemical test	$1764	$300
Driving with a suspended license	$1854	$309
Leaving scene of an accident/hit and run	$1854	$315

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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 Castlewood 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 Castlewood.

The cheapest car insurance premiums in Castlewood are offered by Virginia Farm Bureau at $179 for a six-month policy. However, it can be as expensive as $1536 with companies like Allstate.

Castlewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$179	$30
Mercury	$201	$34
Farm Bureau	$229	$39
Travelers	$296	$50
American Family	$319	$53
Auto-Owners Insurance Co	$346	$59
State Farm	$676	$114
USAA	$760	$128
Progressive	$1162	$194
Erie	$1189	$202
Nationwide	$1307	$218
Allstate	$1536	$261

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 Castlewood are offered by Mercury at $207. However, it can be as expensive as $279 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Castlewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$207	$35
Virginia Farm Bureau	$212	$36
American Family	$218	$37
Auto-Owners Insurance Co	$224	$38
Cincinnati	$224	$38
Travelers	$240	$40
Erie	$262	$44
State Farm	$279	$47

Car Insurance Price Trends in Castlewood, Virginia

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

The average cost of full coverage in the Castlewood rose by $85 in December compared to $82 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Castlewood rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Castlewood?

The car insurance in Castlewood is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Castlewood?

The cheapest car insurance in Castlewood is $59 per month for full coverage.

How much is car insurance in Castlewood for teenagers?

Car insurance for teenagers costs $145 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 Castlewood?

The average cost of car insurance is $638 for a six-month policy. It will cost around $101 per month to insure your car in Castlewood.

Is car insurance expensive in Castlewood?

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

Cheapest Car Insurance Quotes in Castlewood

Why you can trust Way?

How Much Is Car Insurance in Castlewood

Avg. Car Insurance in Castlewood

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Castlewood

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Castlewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Castlewood, VA

Way's key takeaways about car insurance in Castlewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Castlewood

Cheapest Liability Coverage in Castlewood, VA

Cheapest Full Coverage Car Insurance in Castlewood

Cheapest Full Coverage Car Insurance Quotes in Castlewood, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Castlewood by Rating Factor

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

Car Insurance Premiums by Age in Castlewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Castlewood,VA

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

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 Castlewood

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

Castlewood Car Insurance Rates by Violation

Castlewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Castlewood after a DUI

Castlewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Castlewood after Speeding ticket

Car Insurance Price Trends in Castlewood, Virginia

Average Car Insurance Cost in Castlewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Castlewood, VA

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

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