Cheapest Car Insurance Quotes in East Lexington

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East Lexington Car Insurance

^$ 23

/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 East Lexington

The car insurance rate in East Lexington is $574 for a six-month policy, which is $64 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $331, making it a popular choice for budget-conscious drivers. Rates in East Lexington 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 East Lexington

$574

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in East Lexington

1st place: Virginia Farm Bureau

At $331 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 $406 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 $411 for six months, making it the third cheapest auto insurance company in East Lexington.

East Lexington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Lexington, VA is Virginia Farm Bureau, offering policies at just $331 for a six-month term. This is followed by American Family, which has an average six-month premium of $406.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Lexington drivers find the best deals.

Cheap Car Insurance Companies in East Lexington, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$331	$57
American Family	$406	$68
Auto-Owners Insurance Co	$411	$70
Cincinnati	$417	$69
Nationwide	$471	$79
Erie	$502	$85
Travelers	$540	$91
State Farm	$572	$95
USAA	$620	$104
Farm Bureau	$669	$112
Mercury	$700	$118
Progressive	$791	$132
Allstate	$1037	$176

Key Takeaways

Way's key takeaways about car insurance in East Lexington

The auto insurance costs in East Lexington fall around $331 for six months.
The cheapest auto insurance company in East Lexington is Virginia Farm Bureau.
Teen drivers pay the highest rate in East Lexington at $636 per month.

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Cheapest Minimum Liability Car Insurance in East Lexington

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 East Lexington are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in East Lexington. Their Average 6 Month Premium is $139. Nationwide is the most expensive at $449 for the same period.

Cheapest Liability Coverage in East Lexington, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$139	$23
American Family	$155	$26
Cincinnati	$187	$32
Travelers	$203	$34
Auto-Owners Insurance Co	$209	$35
Mercury	$214	$36
Farm Bureau	$224	$38
USAA	$224	$38
Erie	$251	$42
State Farm	$273	$46
Progressive	$347	$58
Allstate	$449	$77
Nationwide	$449	$75

Cheapest Full Coverage Car Insurance in East Lexington

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 East Lexington is Virginia Farm Bureau at $57 per month and $331 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Lexington, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$331	$57
American Family	$406	$68
Auto-Owners Insurance Co	$411	$70
Cincinnati	$417	$69
Nationwide	$471	$79
Erie	$502	$85
Travelers	$540	$91
State Farm	$572	$95
USAA	$620	$104
Farm Bureau	$669	$112
Mercury	$700	$118
Progressive	$791	$132
Allstate	$1037	$176

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Average Car Insurance in East Lexington 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 East Lexington, VA increasing?

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

Car Insurance Premiums by Age in East Lexington

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	$585
30s	Virginia Farm Bureau	$441
40s	USAA	$411
50s	USAA	$386
60s	USAA	$406
70s	USAA	$644

Cheapest Car Insurance Rates for Teen Drivers in East Lexington,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 East Lexington at $23 per month. At $3817 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	$139	$23
Farm Bureau	$176	$30
Mercury	$187	$32
American Family	$203	$34
Travelers	$209	$35
Auto-Owners Insurance Co	$240	$41
Erie	$807	$136
USAA	$1042	$176
State Farm	$1855	$312
Nationwide	$2347	$392
Allstate	$2726	$464
Progressive	$3817	$636

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 East Lexington.

As young drivers face the highest rates in East Lexington, USAA offers the cheapest auto insurance rates at $585 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 East Lexington, Mercury is the cheapest car insurance provider. At $198 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 East Lexington is Nationwide, offering rates of around $380 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Virginia Farm Bureau	$209	$35
Travelers	$320	$53
Cincinnati	$342	$59
Nationwide	$380	$63

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Car Insurance Rates with An Accident in East Lexington

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

Cheapest Car Insurance Companies after an At-Fault Accident in East Lexington

The cheapest car insurance companies after an at-fault accident in East Lexington include AutoOwners Insurance Co and Virginia Farm Bureau, offering $193 and $193, respectively. Encompass is an expensive provider with an average six-month premium of $433.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$193	$32
Virginia Farm Bureau	$193	$32
American Family	$203	$34
Cincinnati	$246	$41
Farm Bureau	$251	$42
Travelers	$257	$43
Mercury	$284	$47
Electric	$342	$59
USAA	$482	$81
Erie	$535	$90
State Farm	$604	$102
Nationwide	$1022	$174
Progressive	$1358	$226
Allstate	$1753	$298
Encompass	$433	$74

East Lexington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Lexington VA. For example, the car insurance in East Lexington after a DUI increases to $844 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

East Lexington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$845	$140
One Med/PIP claim	$845	$144
Not-at-fault accident	$877	$146
Two Med/PIP claims	$904	$154
One comp claim	$914	$152
Two comp claims	$957	$163
Failure to show documents	$962	$160
Driving without lights	$978	$167
Child safety restraint	$984	$164
Driving with expired registration	$995	$169
Failure to wear a seat belt	$1005	$167
Cell phone violation	$1016	$173
Driving too slowly	$1016	$169
Failure to yield	$1016	$173
Speeding in school zone	$1016	$169
Texting while driving	$1016	$173
Wrong way/wrong lane	$1016	$169
Failure to stop at a red light	$1022	$174
Following too closely	$1022	$170
Illegal turn	$1022	$174
Improper passing	$1022	$170
Speeding 6 - 10 MPH over limit	$1022	$174
Speeding 16 - 20 MPH over limit	$1031	$172
Speeding 11 - 15 MPH over limit	$1037	$176
Passing school bus	$1069	$178
In 65 MPH zone	$1107	$188
Open container	$1122	$187
Speeding 21 - 25 MPH over limit	$1122	$191
At-fault accident - less than $1000	$1155	$193
Operating a vehicle without permission	$1240	$211
At-fault accident - $1000-$2000	$1256	$210
At-fault accident - greater than $2000	$1256	$213
Reckless driving	$1529	$255
Racing	$1642	$279
DUI	$1689	$282
Refusal to submit to a chemical test	$1689	$287
Driving with a suspended license	$1775	$296
Leaving scene of an accident/hit and run	$1775	$302

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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 East Lexington 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 East Lexington.

The cheapest car insurance premiums in East Lexington are offered by Virginia Farm Bureau at $171 for a six-month policy. However, it can be as expensive as $1471 with companies like Allstate.

East Lexington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$171	$29
Mercury	$193	$32
Farm Bureau	$220	$37
Travelers	$284	$48
American Family	$305	$50
Auto-Owners Insurance Co	$331	$57
State Farm	$647	$109
USAA	$727	$122
Progressive	$1112	$185
Erie	$1139	$194
Nationwide	$1251	$209
Allstate	$1471	$250

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 East Lexington are offered by Mercury at $198. However, it can be as expensive as $267 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in East Lexington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$198	$33
Virginia Farm Bureau	$203	$34
American Family	$209	$35
Auto-Owners Insurance Co	$214	$36
Cincinnati	$214	$36
Travelers	$230	$39
Erie	$251	$42
State Farm	$267	$45

Car Insurance Price Trends in East Lexington, Virginia

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

The average cost of full coverage in the East Lexington rose by $81 in December compared to $78 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 East Lexington rose to $41 in December, compared to $40 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in East Lexington?

The car insurance in East Lexington is $23 per month, which is lower than the national average.

What is the cheapest car insurance in East Lexington?

The cheapest car insurance in East Lexington is $57 per month for full coverage.

How much is car insurance in East Lexington for teenagers?

Car insurance for teenagers costs $139 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 East Lexington?

The average cost of car insurance is $638 for a six-month policy. It will cost around $96 per month to insure your car in East Lexington.

Is car insurance expensive in East Lexington?

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

Cheapest Car Insurance Quotes in East Lexington

Why you can trust Way?

How Much Is Car Insurance in East Lexington

Avg. Car Insurance in East Lexington

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in East Lexington

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

East Lexington Car Insurance Rates by Company

Cheap Car Insurance Companies in East Lexington, VA

Way's key takeaways about car insurance in East Lexington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Lexington

Cheapest Liability Coverage in East Lexington, VA

Cheapest Full Coverage Car Insurance in East Lexington

Cheapest Full Coverage Car Insurance Quotes in East Lexington, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Lexington by Rating Factor

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

Car Insurance Premiums by Age in East Lexington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Lexington,VA

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

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 East Lexington

Cheapest Car Insurance Companies after an At-Fault Accident in East Lexington

East Lexington Car Insurance Rates by Violation

East Lexington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Lexington after a DUI

East Lexington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Lexington after Speeding ticket

Car Insurance Price Trends in East Lexington, Virginia

Average Car Insurance Cost in East Lexington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Lexington, VA

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

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