Cheapest Car Insurance Quotes in Claypool Hill

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Claypool Hill 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 Claypool Hill

The car insurance rate in Claypool Hill is $606 for a six-month policy, which is $32 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Claypool Hill 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 Claypool Hill

$606

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Claypool Hill

1st place: Virginia Farm Bureau

At $350 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 $428 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 $434 for six months, making it the third cheapest auto insurance company in Claypool Hill.

Claypool Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Claypool Hill, VA is Virginia Farm Bureau, offering policies at just $350 for a six-month term. This is followed by American Family, which has an average six-month premium of $428.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1094 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Claypool Hill drivers find the best deals.

Cheap Car Insurance Companies in Claypool Hill, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$350	$60
American Family	$428	$71
Auto-Owners Insurance Co	$434	$74
Cincinnati	$440	$73
Nationwide	$497	$84
Erie	$530	$89
Travelers	$570	$96
State Farm	$604	$101
USAA	$655	$110
Farm Bureau	$706	$118
Mercury	$739	$124
Progressive	$835	$140
Allstate	$1094	$186

Key Takeaways

Way's key takeaways about car insurance in Claypool Hill

The auto insurance costs in Claypool Hill fall around $350 for six months.
The cheapest auto insurance company in Claypool Hill is Virginia Farm Bureau.
Teen drivers pay the highest rate in Claypool Hill at $672 per month.

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Cheapest Minimum Liability Car Insurance in Claypool Hill

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 Claypool Hill are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Claypool Hill. Their Average 6 Month Premium is $146. Nationwide is the most expensive at $474 for the same period.

Cheapest Liability Coverage in Claypool Hill, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$146	$25
American Family	$163	$28
Cincinnati	$198	$33
Travelers	$215	$36
Auto-Owners Insurance Co	$220	$37
Mercury	$226	$38
Farm Bureau	$237	$40
USAA	$237	$40
Erie	$265	$45
State Farm	$288	$48
Progressive	$367	$61
Allstate	$474	$81
Nationwide	$474	$79

Cheapest Full Coverage Car Insurance in Claypool Hill

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 Claypool Hill is Virginia Farm Bureau at $60 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Claypool Hill, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$350	$60
American Family	$428	$71
Auto-Owners Insurance Co	$434	$74
Cincinnati	$440	$73
Nationwide	$497	$84
Erie	$530	$89
Travelers	$570	$96
State Farm	$604	$101
USAA	$655	$110
Farm Bureau	$706	$118
Mercury	$739	$124
Progressive	$835	$140
Allstate	$1094	$186

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Average Car Insurance in Claypool Hill 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 Claypool Hill, VA increasing?

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

Car Insurance Premiums by Age in Claypool Hill

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	$618
30s	Virginia Farm Bureau	$466
40s	USAA	$434
50s	USAA	$408
60s	USAA	$428
70s	USAA	$680

Cheapest Car Insurance Rates for Teen Drivers in Claypool Hill,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 Claypool Hill at $25 per month. At $4029 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	$146	$25
Farm Bureau	$186	$31
Mercury	$198	$33
American Family	$215	$36
Travelers	$220	$37
Auto-Owners Insurance Co	$254	$43
Erie	$852	$143
USAA	$1100	$185
State Farm	$1958	$330
Nationwide	$2478	$413
Allstate	$2878	$489
Progressive	$4029	$672

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 Claypool Hill.

As young drivers face the highest rates in Claypool Hill, USAA offers the cheapest auto insurance rates at $618 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 Claypool Hill, Mercury is the cheapest car insurance provider. At $209 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 Claypool Hill is Nationwide, offering rates of around $401 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Virginia Farm Bureau	$220	$37
Travelers	$338	$56
Cincinnati	$361	$62
Nationwide	$401	$67

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Car Insurance Rates with An Accident in Claypool Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Claypool Hill

The cheapest car insurance companies after an at-fault accident in Claypool Hill include AutoOwners Insurance Co and Virginia Farm Bureau, offering $203 and $203, respectively. Encompass is an expensive provider with an average six-month premium of $457.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$203	$34
Virginia Farm Bureau	$203	$34
American Family	$215	$36
Cincinnati	$259	$44
Farm Bureau	$265	$45
Travelers	$271	$46
Mercury	$299	$49
Electric	$361	$62
USAA	$508	$86
Erie	$564	$95
State Farm	$637	$107
Nationwide	$1078	$183
Progressive	$1434	$238
Allstate	$1851	$314
Encompass	$457	$78

Claypool Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Claypool Hill VA. For example, the car insurance in Claypool Hill after a DUI increases to $891 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Claypool Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$892	$148
One Med/PIP claim	$892	$152
Not-at-fault accident	$925	$154
Two Med/PIP claims	$954	$162
One comp claim	$965	$161
Two comp claims	$1010	$172
Failure to show documents	$1016	$169
Driving without lights	$1033	$176
Child safety restraint	$1038	$173
Driving with expired registration	$1050	$179
Failure to wear a seat belt	$1061	$177
Cell phone violation	$1073	$182
Driving too slowly	$1073	$179
Failure to yield	$1073	$182
Speeding in school zone	$1073	$179
Texting while driving	$1073	$182
Wrong way/wrong lane	$1073	$179
Failure to stop at a red light	$1078	$183
Following too closely	$1078	$180
Illegal turn	$1078	$183
Improper passing	$1078	$180
Speeding 6 - 10 MPH over limit	$1078	$183
Speeding 16 - 20 MPH over limit	$1089	$181
Speeding 11 - 15 MPH over limit	$1094	$186
Passing school bus	$1129	$188
In 65 MPH zone	$1169	$199
Open container	$1185	$198
Speeding 21 - 25 MPH over limit	$1185	$201
At-fault accident - less than $1000	$1219	$203
Operating a vehicle without permission	$1309	$222
At-fault accident - $1000-$2000	$1326	$221
At-fault accident - greater than $2000	$1326	$225
Reckless driving	$1614	$269
Racing	$1733	$295
DUI	$1783	$297
Refusal to submit to a chemical test	$1783	$303
Driving with a suspended license	$1873	$313
Leaving scene of an accident/hit and run	$1873	$318

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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 Claypool Hill 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 Claypool Hill.

The cheapest car insurance premiums in Claypool Hill are offered by Virginia Farm Bureau at $181 for a six-month policy. However, it can be as expensive as $1552 with companies like Allstate.

Claypool Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$181	$30
Mercury	$203	$34
Farm Bureau	$232	$39
Travelers	$299	$50
American Family	$322	$53
Auto-Owners Insurance Co	$350	$60
State Farm	$683	$115
USAA	$768	$129
Progressive	$1174	$196
Erie	$1202	$204
Nationwide	$1321	$220
Allstate	$1552	$264

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 Claypool Hill are offered by Mercury at $209. However, it can be as expensive as $282 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Claypool Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Virginia Farm Bureau	$215	$36
American Family	$220	$37
Auto-Owners Insurance Co	$226	$38
Cincinnati	$226	$38
Travelers	$242	$41
Erie	$265	$45
State Farm	$282	$48

Car Insurance Price Trends in Claypool Hill, Virginia

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

The average cost of full coverage in the Claypool Hill rose by $86 in December compared to $83 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 Claypool Hill rose to $44 in December, compared to $42 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 Claypool Hill?

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

What is the cheapest car insurance in Claypool Hill?

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

How much is car insurance in Claypool Hill for teenagers?

Car insurance for teenagers costs $146 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 Claypool Hill?

The average cost of car insurance is $638 for a six-month policy. It will cost around $102 per month to insure your car in Claypool Hill.

Is car insurance expensive in Claypool Hill?

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

Cheapest Car Insurance Quotes in Claypool Hill

Why you can trust Way?

How Much Is Car Insurance in Claypool Hill

Avg. Car Insurance in Claypool Hill

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Claypool Hill

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Claypool Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Claypool Hill, VA

Way's key takeaways about car insurance in Claypool Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Claypool Hill

Cheapest Liability Coverage in Claypool Hill, VA

Cheapest Full Coverage Car Insurance in Claypool Hill

Cheapest Full Coverage Car Insurance Quotes in Claypool Hill, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Claypool Hill by Rating Factor

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

Car Insurance Premiums by Age in Claypool Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Claypool Hill,VA

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

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 Claypool Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Claypool Hill

Claypool Hill Car Insurance Rates by Violation

Claypool Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Claypool Hill after a DUI

Claypool Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Claypool Hill after Speeding ticket

Car Insurance Price Trends in Claypool Hill, Virginia

Average Car Insurance Cost in Claypool Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Claypool Hill, VA

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

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