Cheapest Car Insurance Quotes in Clifton

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Clifton Car Insurance

^$ 30

/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 Clifton

The car insurance rate in Clifton is $746 for a six-month policy, which is $108 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Clifton 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 Clifton

$746

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Clifton

1st place: Virginia Farm Bureau

At $431 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 $528 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 $535 for six months, making it the third cheapest auto insurance company in Clifton.

Clifton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clifton, VA is Virginia Farm Bureau, offering policies at just $431 for a six-month term. This is followed by American Family, which has an average six-month premium of $528.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clifton drivers find the best deals.

Cheap Car Insurance Companies in Clifton, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$431	$74
American Family	$528	$88
Auto-Owners Insurance Co	$535	$91
Cincinnati	$542	$90
Nationwide	$612	$103
Erie	$653	$110
Travelers	$702	$118
State Farm	$744	$124
USAA	$806	$136
Farm Bureau	$869	$145
Mercury	$910	$153
Progressive	$1028	$172
Allstate	$1348	$229

Key Takeaways

Way's key takeaways about car insurance in Clifton

The auto insurance costs in Clifton fall around $431 for six months.
The cheapest auto insurance company in Clifton is Virginia Farm Bureau.
Teen drivers pay the highest rate in Clifton at $827 per month.

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Cheapest Minimum Liability Car Insurance in Clifton

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 Clifton are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Clifton. Their Average 6 Month Premium is $180. Nationwide is the most expensive at $584 for the same period.

Cheapest Liability Coverage in Clifton, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$180	$30
American Family	$201	$34
Cincinnati	$243	$41
Travelers	$264	$44
Auto-Owners Insurance Co	$271	$46
Mercury	$278	$47
Farm Bureau	$291	$49
USAA	$291	$49
Erie	$326	$55
State Farm	$355	$60
Progressive	$452	$75
Allstate	$584	$99
Nationwide	$584	$97

Cheapest Full Coverage Car Insurance in Clifton

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 Clifton is Virginia Farm Bureau at $74 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clifton, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$431	$74
American Family	$528	$88
Auto-Owners Insurance Co	$535	$91
Cincinnati	$542	$90
Nationwide	$612	$103
Erie	$653	$110
Travelers	$702	$118
State Farm	$744	$124
USAA	$806	$136
Farm Bureau	$869	$145
Mercury	$910	$153
Progressive	$1028	$172
Allstate	$1348	$229

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Average Car Insurance in Clifton 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 Clifton, VA increasing?

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

Car Insurance Premiums by Age in Clifton

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	$761
30s	Virginia Farm Bureau	$573
40s	USAA	$535
50s	USAA	$502
60s	USAA	$528
70s	USAA	$838

Cheapest Car Insurance Rates for Teen Drivers in Clifton,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 Clifton at $30 per month. At $4962 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	$180	$30
Farm Bureau	$229	$39
Mercury	$243	$41
American Family	$264	$44
Travelers	$271	$46
Auto-Owners Insurance Co	$312	$53
Erie	$1049	$177
USAA	$1355	$228
State Farm	$2411	$406
Nationwide	$3051	$509
Allstate	$3544	$603
Progressive	$4962	$827

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 Clifton.

As young drivers face the highest rates in Clifton, USAA offers the cheapest auto insurance rates at $761 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 Clifton, Mercury is the cheapest car insurance provider. At $257 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 Clifton is Nationwide, offering rates of around $494 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Virginia Farm Bureau	$271	$46
Travelers	$417	$69
Cincinnati	$445	$76
Nationwide	$494	$82

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Car Insurance Rates with An Accident in Clifton

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

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

The cheapest car insurance companies after an at-fault accident in Clifton include AutoOwners Insurance Co and Virginia Farm Bureau, offering $250 and $250, respectively. Encompass is an expensive provider with an average six-month premium of $563.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$250	$42
Virginia Farm Bureau	$250	$42
American Family	$264	$44
Cincinnati	$319	$54
Farm Bureau	$326	$55
Travelers	$333	$56
Mercury	$369	$61
Electric	$445	$76
USAA	$626	$105
Erie	$695	$117
State Farm	$785	$132
Nationwide	$1328	$226
Progressive	$1766	$294
Allstate	$2279	$387
Encompass	$563	$96

Clifton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clifton VA. For example, the car insurance in Clifton after a DUI increases to $1097 for a six month policy. While the rate increases by $229 for a six-month policy in the case of a speeding ticket.

Clifton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1099	$183
One Med/PIP claim	$1099	$187
Not-at-fault accident	$1140	$190
Two Med/PIP claims	$1175	$200
One comp claim	$1189	$198
Two comp claims	$1244	$212
Failure to show documents	$1251	$208
Driving without lights	$1272	$216
Child safety restraint	$1279	$213
Driving with expired registration	$1293	$220
Failure to wear a seat belt	$1307	$218
Cell phone violation	$1321	$225
Driving too slowly	$1321	$220
Failure to yield	$1321	$225
Speeding in school zone	$1321	$220
Texting while driving	$1321	$225
Wrong way/wrong lane	$1321	$220
Failure to stop at a red light	$1328	$226
Following too closely	$1328	$221
Illegal turn	$1328	$226
Improper passing	$1328	$221
Speeding 6 - 10 MPH over limit	$1328	$226
Speeding 16 - 20 MPH over limit	$1341	$223
Speeding 11 - 15 MPH over limit	$1348	$229
Passing school bus	$1390	$232
In 65 MPH zone	$1439	$245
Open container	$1459	$243
Speeding 21 - 25 MPH over limit	$1459	$248
At-fault accident - less than $1000	$1501	$250
Operating a vehicle without permission	$1612	$274
At-fault accident - $1000-$2000	$1633	$273
At-fault accident - greater than $2000	$1633	$277
Reckless driving	$1988	$331
Racing	$2134	$363
DUI	$2196	$366
Refusal to submit to a chemical test	$2196	$373
Driving with a suspended license	$2307	$385
Leaving scene of an accident/hit and run	$2307	$392

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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 Clifton 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 Clifton.

The cheapest car insurance premiums in Clifton are offered by Virginia Farm Bureau at $222 for a six-month policy. However, it can be as expensive as $1912 with companies like Allstate.

Clifton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$222	$37
Mercury	$250	$42
Farm Bureau	$285	$48
Travelers	$369	$62
American Family	$397	$66
Auto-Owners Insurance Co	$431	$74
State Farm	$841	$142
USAA	$945	$159
Progressive	$1446	$241
Erie	$1480	$252
Nationwide	$1626	$271
Allstate	$1912	$325

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 Clifton are offered by Mercury at $257. However, it can be as expensive as $347 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Clifton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$257	$43
Virginia Farm Bureau	$264	$44
American Family	$271	$46
Auto-Owners Insurance Co	$278	$47
Cincinnati	$278	$47
Travelers	$298	$50
Erie	$326	$55
State Farm	$347	$59

Car Insurance Price Trends in Clifton, Virginia

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

The average cost of full coverage in the Clifton rose by $105 in December compared to $102 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 Clifton rose to $54 in December, compared to $51 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 Clifton?

The car insurance in Clifton is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Clifton?

The cheapest car insurance in Clifton is $74 per month for full coverage.

How much is car insurance in Clifton for teenagers?

Car insurance for teenagers costs $180 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 Clifton?

The average cost of car insurance is $638 for a six-month policy. It will cost around $125 per month to insure your car in Clifton.

Is car insurance expensive in Clifton?

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

Cheapest Car Insurance Quotes in Clifton

Why you can trust Way?

How Much Is Car Insurance in Clifton

Avg. Car Insurance in Clifton

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Clifton

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Clifton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clifton, VA

Way's key takeaways about car insurance in Clifton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clifton

Cheapest Liability Coverage in Clifton, VA

Cheapest Full Coverage Car Insurance in Clifton

Cheapest Full Coverage Car Insurance Quotes in Clifton, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clifton by Rating Factor

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

Car Insurance Premiums by Age in Clifton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clifton,VA

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

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 Clifton

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

Clifton Car Insurance Rates by Violation

Clifton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clifton after a DUI

Clifton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clifton after Speeding ticket

Car Insurance Price Trends in Clifton, Virginia

Average Car Insurance Cost in Clifton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clifton, VA

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

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