Cheapest Car Insurance Quotes in Colonial Beach

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Colonial Beach Car Insurance

^$ 27

/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 Colonial Beach

The car insurance rate in Colonial Beach is $651 for a six-month policy, which is $13 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Colonial Beach 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 Colonial Beach

$651

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Colonial Beach

1st place: Virginia Farm Bureau

At $375 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 $460 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 $466 for six months, making it the third cheapest auto insurance company in Colonial Beach.

Colonial Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colonial Beach, VA is Virginia Farm Bureau, offering policies at just $375 for a six-month term. This is followed by American Family, which has an average six-month premium of $460.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1175 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colonial Beach drivers find the best deals.

Cheap Car Insurance Companies in Colonial Beach, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$375	$64
American Family	$460	$77
Auto-Owners Insurance Co	$466	$80
Cincinnati	$472	$79
Nationwide	$533	$90
Erie	$569	$96
Travelers	$612	$103
State Farm	$649	$108
USAA	$703	$118
Farm Bureau	$758	$126
Mercury	$794	$134
Progressive	$897	$150
Allstate	$1175	$200

Key Takeaways

Way's key takeaways about car insurance in Colonial Beach

The auto insurance costs in Colonial Beach fall around $375 for six months.
The cheapest auto insurance company in Colonial Beach is Virginia Farm Bureau.
Teen drivers pay the highest rate in Colonial Beach at $721 per month.

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Cheapest Minimum Liability Car Insurance in Colonial Beach

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 Colonial Beach are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Colonial Beach. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $509 for the same period.

Cheapest Liability Coverage in Colonial Beach, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$157	$27
American Family	$175	$30
Cincinnati	$212	$36
Travelers	$231	$39
Auto-Owners Insurance Co	$237	$40
Mercury	$243	$41
Farm Bureau	$254	$43
USAA	$254	$43
Erie	$285	$48
State Farm	$309	$52
Progressive	$394	$65
Allstate	$509	$87
Nationwide	$509	$85

Cheapest Full Coverage Car Insurance in Colonial Beach

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 Colonial Beach is Virginia Farm Bureau at $64 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colonial Beach, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$375	$64
American Family	$460	$77
Auto-Owners Insurance Co	$466	$80
Cincinnati	$472	$79
Nationwide	$533	$90
Erie	$569	$96
Travelers	$612	$103
State Farm	$649	$108
USAA	$703	$118
Farm Bureau	$758	$126
Mercury	$794	$134
Progressive	$897	$150
Allstate	$1175	$200

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Average Car Insurance in Colonial Beach 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 Colonial Beach, VA increasing?

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

Car Insurance Premiums by Age in Colonial Beach

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	$500
40s	USAA	$466
50s	USAA	$438
60s	USAA	$460
70s	USAA	$730

Cheapest Car Insurance Rates for Teen Drivers in Colonial Beach,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 Colonial Beach at $27 per month. At $4326 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	$157	$27
Farm Bureau	$200	$34
Mercury	$212	$36
American Family	$231	$39
Travelers	$237	$40
Auto-Owners Insurance Co	$272	$46
Erie	$915	$154
USAA	$1181	$199
State Farm	$2102	$354
Nationwide	$2660	$444
Allstate	$3090	$525
Progressive	$4326	$721

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 Colonial Beach.

As young drivers face the highest rates in Colonial Beach, 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 Colonial Beach, Mercury is the cheapest car insurance provider. At $224 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 Colonial Beach is Nationwide, offering rates of around $430 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Virginia Farm Bureau	$237	$40
Travelers	$363	$60
Cincinnati	$388	$66
Nationwide	$430	$71

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Car Insurance Rates with An Accident in Colonial Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Colonial Beach

The cheapest car insurance companies after an at-fault accident in Colonial Beach include AutoOwners Insurance Co and Virginia Farm Bureau, offering $218 and $218, respectively. Encompass is an expensive provider with an average six-month premium of $491.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Virginia Farm Bureau	$218	$37
American Family	$231	$39
Cincinnati	$278	$47
Farm Bureau	$285	$48
Travelers	$291	$49
Mercury	$321	$53
Electric	$388	$66
USAA	$546	$92
Erie	$606	$102
State Farm	$684	$115
Nationwide	$1158	$197
Progressive	$1539	$256
Allstate	$1987	$338
Encompass	$491	$84

Colonial Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colonial Beach VA. For example, the car insurance in Colonial Beach after a DUI increases to $957 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Colonial Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$958	$159
One Med/PIP claim	$958	$163
Not-at-fault accident	$993	$165
Two Med/PIP claims	$1024	$174
One comp claim	$1036	$172
Two comp claims	$1084	$185
Failure to show documents	$1090	$182
Driving without lights	$1109	$189
Child safety restraint	$1115	$186
Driving with expired registration	$1127	$192
Failure to wear a seat belt	$1139	$190
Cell phone violation	$1152	$196
Driving too slowly	$1152	$192
Failure to yield	$1152	$196
Speeding in school zone	$1152	$192
Texting while driving	$1152	$196
Wrong way/wrong lane	$1152	$192
Failure to stop at a red light	$1158	$197
Following too closely	$1158	$193
Illegal turn	$1158	$197
Improper passing	$1158	$193
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding 16 - 20 MPH over limit	$1169	$195
Speeding 11 - 15 MPH over limit	$1175	$200
Passing school bus	$1212	$202
In 65 MPH zone	$1255	$213
Open container	$1272	$212
Speeding 21 - 25 MPH over limit	$1272	$216
At-fault accident - less than $1000	$1309	$218
Operating a vehicle without permission	$1406	$239
At-fault accident - $1000-$2000	$1424	$238
At-fault accident - greater than $2000	$1424	$242
Reckless driving	$1733	$289
Racing	$1860	$316
DUI	$1915	$319
Refusal to submit to a chemical test	$1915	$325
Driving with a suspended license	$2011	$336
Leaving scene of an accident/hit and run	$2011	$342

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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 Colonial Beach 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 Colonial Beach.

The cheapest car insurance premiums in Colonial Beach are offered by Virginia Farm Bureau at $194 for a six-month policy. However, it can be as expensive as $1667 with companies like Allstate.

Colonial Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$194	$33
Mercury	$218	$37
Farm Bureau	$249	$42
Travelers	$321	$54
American Family	$346	$57
Auto-Owners Insurance Co	$375	$64
State Farm	$733	$123
USAA	$824	$139
Progressive	$1261	$210
Erie	$1290	$219
Nationwide	$1418	$237
Allstate	$1667	$284

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 Colonial Beach are offered by Mercury at $224. However, it can be as expensive as $303 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Colonial Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Virginia Farm Bureau	$231	$39
American Family	$237	$40
Auto-Owners Insurance Co	$243	$41
Cincinnati	$243	$41
Travelers	$260	$44
Erie	$285	$48
State Farm	$303	$51

Car Insurance Price Trends in Colonial Beach, Virginia

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

The average cost of full coverage in the Colonial Beach rose by $92 in December compared to $89 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 Colonial Beach rose to $47 in December, compared to $45 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 Colonial Beach?

The car insurance in Colonial Beach is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Colonial Beach?

The cheapest car insurance in Colonial Beach is $64 per month for full coverage.

How much is car insurance in Colonial Beach for teenagers?

Car insurance for teenagers costs $157 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 Colonial Beach?

The average cost of car insurance is $638 for a six-month policy. It will cost around $109 per month to insure your car in Colonial Beach.

Is car insurance expensive in Colonial Beach?

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

Cheapest Car Insurance Quotes in Colonial Beach

Why you can trust Way?

How Much Is Car Insurance in Colonial Beach

Avg. Car Insurance in Colonial Beach

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Colonial Beach

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Colonial Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Colonial Beach, VA

Way's key takeaways about car insurance in Colonial Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Colonial Beach

Cheapest Liability Coverage in Colonial Beach, VA

Cheapest Full Coverage Car Insurance in Colonial Beach

Cheapest Full Coverage Car Insurance Quotes in Colonial Beach, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Colonial Beach by Rating Factor

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

Car Insurance Premiums by Age in Colonial Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Colonial Beach,VA

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

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 Colonial Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Colonial Beach

Colonial Beach Car Insurance Rates by Violation

Colonial Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Colonial Beach after a DUI

Colonial Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Colonial Beach after Speeding ticket

Car Insurance Price Trends in Colonial Beach, Virginia

Average Car Insurance Cost in Colonial Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Colonial Beach, VA

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

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