Cheapest Car Insurance Quotes in Cluster Springs

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Cluster Springs Car Insurance

^$ 26

/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 Cluster Springs

The car insurance rate in Cluster Springs is $723 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Cluster Springs 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 Cluster Springs

$723

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Cluster Springs

1st place: Virginia Farm Bureau

At $372 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 $456 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 $462 for six months, making it the third cheapest auto insurance company in Cluster Springs.

Cluster Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cluster Springs, VA is Virginia Farm Bureau, offering policies at just $372 for a six-month term. This is followed by American Family, which has an average six-month premium of $456.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1553 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cluster Springs drivers find the best deals.

Cheap Car Insurance Companies in Cluster Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$372	$64
American Family	$456	$76
Auto-Owners Insurance Co	$462	$79
Cincinnati	$468	$78
Travelers	$624	$105
Erie	$630	$106
USAA	$678	$114
Farm Bureau	$708	$119
Nationwide	$708	$119
Mercury	$786	$132
State Farm	$851	$143
Progressive	$1116	$188
Allstate	$1553	$262

Key Takeaways

Way's key takeaways about car insurance in Cluster Springs

The auto insurance costs in Cluster Springs fall around $372 for six months.
The cheapest auto insurance company in Cluster Springs is Virginia Farm Bureau.
Teen drivers pay the highest rate in Cluster Springs at $890 per month.

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Cheapest Minimum Liability Car Insurance in Cluster Springs

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 Cluster Springs are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Cluster Springs. Their Average 6 Month Premium is $156. Nationwide is the most expensive at $696 for the same period.

Cheapest Liability Coverage in Cluster Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$156	$26
American Family	$174	$29
Cincinnati	$210	$35
Auto-Owners Insurance Co	$234	$39
Mercury	$240	$40
Travelers	$246	$41
USAA	$258	$43
Farm Bureau	$264	$44
Erie	$294	$49
State Farm	$372	$63
Progressive	$546	$92
Allstate	$653	$110
Nationwide	$696	$117

Cheapest Full Coverage Car Insurance in Cluster Springs

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 Cluster Springs is Virginia Farm Bureau at $64 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cluster Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$372	$64
American Family	$456	$76
Auto-Owners Insurance Co	$462	$79
Cincinnati	$468	$78
Travelers	$624	$105
Erie	$630	$106
USAA	$678	$114
Farm Bureau	$708	$119
Nationwide	$708	$119
Mercury	$786	$132
State Farm	$851	$143
Progressive	$1116	$188
Allstate	$1553	$262

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Average Car Insurance in Cluster Springs 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 Cluster Springs, VA increasing?

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

Car Insurance Premiums by Age in Cluster Springs

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	$663
30s	Virginia Farm Bureau	$499
40s	USAA	$466
50s	USAA	$437
60s	USAA	$461
70s	USAA	$729

Cheapest Car Insurance Rates for Teen Drivers in Cluster Springs,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 Cluster Springs at $26 per month. At $5285 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	$156	$26
Mercury	$210	$35
American Family	$228	$38
Auto-Owners Insurance Co	$270	$45
Travelers	$786	$132
Farm Bureau	$822	$138
Erie	$1128	$190
USAA	$1326	$223
State Farm	$2484	$418
Nationwide	$3816	$642
Allstate	$3834	$645
Progressive	$5285	$890

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 Cluster Springs.

As young drivers face the highest rates in Cluster Springs, USAA offers the cheapest auto insurance rates at $663 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 Cluster Springs, Mercury is the cheapest car insurance provider. At $222 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 Cluster Springs is State Farm, offering rates of around $4134 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Virginia Farm Bureau	$234	$39
Cincinnati	$384	$64
Travelers	$792	$133
Nationwide	$1092	$184
USAA	$1134	$193
Farm Bureau	$1296	$216
Erie	$1782	$303
Progressive	$2159	$360
Allstate	$2357	$401
State Farm	$4134	$689

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Car Insurance Rates with An Accident in Cluster Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cluster Springs

The cheapest car insurance companies after an at-fault accident in Cluster Springs include AutoOwners Insurance Co and Virginia Farm Bureau, offering $216 and $216, respectively. Encompass is an expensive provider with an average six-month premium of $486.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Virginia Farm Bureau	$216	$36
American Family	$228	$38
Cincinnati	$276	$46
Mercury	$318	$53
Electric	$384	$66
Travelers	$456	$77
Farm Bureau	$564	$95
USAA	$636	$107
Erie	$744	$125
State Farm	$774	$130
Nationwide	$1590	$268
Progressive	$1800	$303
Allstate	$3324	$560
Encompass	$486	$83

Cluster Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cluster Springs VA. For example, the car insurance in Cluster Springs after a DUI increases to $948 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Cluster Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$948	$158
One Med/PIP claim	$948	$162
Not-at-fault accident	$984	$164
Two Med/PIP claims	$1014	$173
One comp claim	$1026	$171
Two comp claims	$1074	$183
Failure to show documents	$1080	$180
Driving without lights	$1098	$187
Child safety restraint	$1104	$184
Driving with expired registration	$1116	$190
Failure to wear a seat belt	$1128	$188
Cell phone violation	$1140	$194
Driving too slowly	$1140	$190
Failure to yield	$1140	$194
Speeding in school zone	$1140	$190
Texting while driving	$1140	$194
Wrong way/wrong lane	$1140	$190
Failure to stop at a red light	$1146	$195
Following too closely	$1146	$191
Illegal turn	$1146	$195
Improper passing	$1146	$191
Speeding 6 - 10 MPH over limit	$1146	$195
Speeding 16 - 20 MPH over limit	$1157	$193
Speeding 11 - 15 MPH over limit	$1164	$198
Passing school bus	$1200	$200
In 65 MPH zone	$1242	$211
Open container	$1259	$210
Speeding 21 - 25 MPH over limit	$1259	$214
At-fault accident - less than $1000	$1296	$216
Operating a vehicle without permission	$1392	$236
At-fault accident - $1000-$2000	$1410	$235
At-fault accident - greater than $2000	$1410	$239
Reckless driving	$1716	$286
Racing	$1842	$313
DUI	$1896	$316
Refusal to submit to a chemical test	$1896	$322
Driving with a suspended license	$1992	$332
Leaving scene of an accident/hit and run	$1992	$338

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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 Cluster Springs 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 Cluster Springs.

The cheapest car insurance premiums in Cluster Springs are offered by Virginia Farm Bureau at $192 for a six-month policy. However, it can be as expensive as $2261 with companies like Allstate.

Cluster Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$192	$32
Mercury	$216	$36
American Family	$342	$57
Auto-Owners Insurance Co	$372	$64
Travelers	$570	$96
Farm Bureau	$588	$99
USAA	$960	$162
State Farm	$1224	$206
Erie	$1440	$242
Progressive	$1542	$260
Nationwide	$2040	$343
Allstate	$2261	$381

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 Cluster Springs are offered by Mercury at $222. However, it can be as expensive as $2484 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cluster Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Virginia Farm Bureau	$228	$38
American Family	$234	$39
Auto-Owners Insurance Co	$240	$40
Cincinnati	$240	$40
Travelers	$474	$80
Erie	$576	$97
State Farm	$720	$121
USAA	$780	$132
Farm Bureau	$840	$140
Nationwide	$1661	$283
Progressive	$1746	$291
Allstate	$2484	$422

Car Insurance Price Trends in Cluster Springs, Virginia

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

The average cost of full coverage in the Cluster Springs rose by $166 in January compared to $91 of December. In other words, there has been an increase by $75 when you compare January and December.

The average cost of liability insurance in the Cluster Springs rose to $56 in January, compared to $46 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cluster Springs?

The car insurance in Cluster Springs is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Cluster Springs?

The cheapest car insurance in Cluster Springs is $64 per month for full coverage.

How much is car insurance in Cluster Springs for teenagers?

Car insurance for teenagers costs $156 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 Cluster Springs?

The average cost of car insurance is $716 for a six-month policy. It will cost around $121 per month to insure your car in Cluster Springs.

Is car insurance expensive in Cluster Springs?

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

Cheapest Car Insurance Quotes in Cluster Springs

Why you can trust Way?

How Much Is Car Insurance in Cluster Springs

Avg. Car Insurance in Cluster Springs

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Cluster Springs

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Cluster Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Cluster Springs, VA

Way's key takeaways about car insurance in Cluster Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cluster Springs

Cheapest Liability Coverage in Cluster Springs, VA

Cheapest Full Coverage Car Insurance in Cluster Springs

Cheapest Full Coverage Car Insurance Quotes in Cluster Springs, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cluster Springs by Rating Factor

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

Car Insurance Premiums by Age in Cluster Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cluster Springs,VA

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

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 Cluster Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Cluster Springs

Cluster Springs Car Insurance Rates by Violation

Cluster Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cluster Springs after a DUI

Cluster Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cluster Springs after Speeding ticket

Car Insurance Price Trends in Cluster Springs, Virginia

Average Car Insurance Cost in Cluster Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cluster Springs, VA

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

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