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Finding the cheapest car insurance quotes in Catharpin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Catharpin
The car insurance rate in Catharpin 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 Catharpin 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.
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 Catharpin.
Catharpin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Catharpin, 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 Catharpin drivers find the best deals.
Way's key takeaways about car insurance in Catharpin
The auto insurance costs in Catharpin fall around $412 for six
months.
The cheapest auto insurance company in Catharpin is Virginia Farm Bureau.
Teen drivers pay the highest rate in Catharpin at $792 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Catharpin
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 Catharpin are given below.
Virginia Farm Bureau provides
the cheapest minimum car insurance
coverage in Catharpin. Their Average 6 Month Premium is $172.
Nationwide is the most
expensive at $559 for the same
period.
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 Catharpin is Virginia Farm Bureau
at $71 per month and $412
for six months.
Cheapest Full Coverage Car Insurance Quotes in Catharpin,
VA
Get Your Car Insurance Quote in Catharpin
Instantly!
Average Car Insurance in Catharpin 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 Catharpin, VA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Catharpin, 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, Catharpin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Catharpin
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
Catharpin,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 Catharpin at $29
per
month. At $4750 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Catharpin.
As young drivers face the highest rates in Catharpin, 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 Catharpin,
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
Catharpin is Nationwide, offering
rates of around $473 for six
months.
Save up to $971/yr on car insurance rates in Catharpin.
Car Insurance Rates with An Accident in Catharpin
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 Catharpin, VA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Catharpin
The cheapest car insurance companies after an at-fault accident in
Catharpin 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.
Here is a list of driving violations that can increase your car
insurance rates in Catharpin VA. For example, the car
insurance in Catharpin
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.
Catharpin 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 Catharpin 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 Catharpin.
The cheapest car insurance premiums in
Catharpin 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.
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 Catharpin 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 Catharpin after Speeding ticket
Car insurance rates in Catharpin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Catharpin 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 Catharpin rose to $52 in December,
compared to $49 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Catharpin by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Catharpin. At $1429 for a
six-month policy, insuring
your car at 20143 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Catharpin?
The car insurance in Catharpin is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Catharpin?
The cheapest car insurance in Catharpin
is $71 per month
for full coverage.
How much is car insurance in Catharpin 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
Catharpin?
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 Catharpin.
Is car insurance expensive in Catharpin?
Car insurance can be expensive in Catharpin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Catharpin can be
affordable.
What is the best car insurance in Catharpin,
VA?
The best car insurance company in Catharpin
VA is
Virginia Farm Bureau, offering $412 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Catharpin, VA
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Catharpin Car Insurance
