Cheapest Car Insurance Quotes in Fair Lakes

Finding the cheapest car insurance quotes in Fair Lakes shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Fair Lakes 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 Fair Lakes

The car insurance rate in Fair Lakes is $816 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Fair Lakes 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 Fair Lakes

$816

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Fair Lakes

1st place: Virginia Farm Bureau

At $420 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 $514 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 $521 for six months, making it the third cheapest auto insurance company in Fair Lakes.

Fair Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fair Lakes, VA is Virginia Farm Bureau, offering policies at just $420 for a six-month term. This is followed by American Family, which has an average six-month premium of $514.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1753 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fair Lakes drivers find the best deals.

Cheap Car Insurance Companies in Fair Lakes, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$420	$72
American Family	$514	$85
Auto-Owners Insurance Co	$521	$89
Cincinnati	$528	$88
Travelers	$705	$119
Erie	$711	$120
USAA	$765	$129
Farm Bureau	$799	$135
Nationwide	$799	$135
Mercury	$887	$149
State Farm	$961	$162
Progressive	$1260	$212
Allstate	$1753	$295

Key Takeaways

Way's key takeaways about car insurance in Fair Lakes

The auto insurance costs in Fair Lakes fall around $420 for six months.
The cheapest auto insurance company in Fair Lakes is Virginia Farm Bureau.
Teen drivers pay the highest rate in Fair Lakes at $1004 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fair Lakes

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 Fair Lakes are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Fair Lakes. Their Average 6 Month Premium is $176. Nationwide is the most expensive at $785 for the same period.

Cheapest Liability Coverage in Fair Lakes, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$176	$30
American Family	$196	$33
Cincinnati	$237	$40
Auto-Owners Insurance Co	$264	$44
Mercury	$271	$46
Travelers	$278	$47
USAA	$291	$49
Farm Bureau	$298	$50
Erie	$332	$56
State Farm	$420	$71
Progressive	$617	$104
Allstate	$738	$124
Nationwide	$785	$132

Cheapest Full Coverage Car Insurance in Fair Lakes

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 Fair Lakes is Virginia Farm Bureau at $72 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fair Lakes, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$420	$72
American Family	$514	$85
Auto-Owners Insurance Co	$521	$89
Cincinnati	$528	$88
Travelers	$705	$119
Erie	$711	$120
USAA	$765	$129
Farm Bureau	$799	$135
Nationwide	$799	$135
Mercury	$887	$149
State Farm	$961	$162
Progressive	$1260	$212
Allstate	$1753	$295

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fair Lakes Instantly!

Average Car Insurance in Fair Lakes 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 Fair Lakes, VA increasing?

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

Car Insurance Premiums by Age in Fair Lakes

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	$748
30s	Virginia Farm Bureau	$563
40s	USAA	$526
50s	USAA	$494
60s	USAA	$520
70s	USAA	$823

Cheapest Car Insurance Rates for Teen Drivers in Fair Lakes,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 Fair Lakes at $30 per month. At $5966 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	$176	$30
Mercury	$237	$40
American Family	$258	$43
Auto-Owners Insurance Co	$304	$51
Travelers	$887	$149
Farm Bureau	$928	$156
Erie	$1273	$214
USAA	$1497	$252
State Farm	$2803	$472
Nationwide	$4307	$725
Allstate	$4327	$728
Progressive	$5966	$1004

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 Fair Lakes.

As young drivers face the highest rates in Fair Lakes, USAA offers the cheapest auto insurance rates at $748 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 Fair Lakes, Mercury is the cheapest car insurance provider. At $251 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 Fair Lakes is State Farm, offering rates of around $4666 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Virginia Farm Bureau	$264	$44
Cincinnati	$433	$72
Travelers	$894	$150
Nationwide	$1232	$207
USAA	$1280	$218
Farm Bureau	$1463	$244
Erie	$2011	$342
Progressive	$2437	$406
Allstate	$2661	$453
State Farm	$4666	$777

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fair Lakes.

Car Insurance Rates with An Accident in Fair Lakes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Lakes

The cheapest car insurance companies after an at-fault accident in Fair Lakes include AutoOwners Insurance Co and Virginia Farm Bureau, offering $244 and $244, respectively. Encompass is an expensive provider with an average six-month premium of $548.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Virginia Farm Bureau	$244	$41
American Family	$258	$43
Cincinnati	$311	$52
Mercury	$359	$59
Electric	$433	$74
Travelers	$514	$87
Farm Bureau	$636	$107
USAA	$718	$121
Erie	$840	$141
State Farm	$873	$147
Nationwide	$1794	$302
Progressive	$2031	$342
Allstate	$3752	$632
Encompass	$548	$93

Fair Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fair Lakes VA. For example, the car insurance in Fair Lakes after a DUI increases to $1070 for a six month policy. While the rate increases by $224 for a six-month policy in the case of a speeding ticket.

Fair Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1070	$178
One Med/PIP claim	$1070	$182
Not-at-fault accident	$1110	$185
Two Med/PIP claims	$1145	$195
One comp claim	$1158	$193
Two comp claims	$1212	$206
Failure to show documents	$1219	$203
Driving without lights	$1239	$211
Child safety restraint	$1246	$207
Driving with expired registration	$1260	$214
Failure to wear a seat belt	$1273	$212
Cell phone violation	$1287	$219
Driving too slowly	$1287	$214
Failure to yield	$1287	$219
Speeding in school zone	$1287	$214
Texting while driving	$1287	$219
Wrong way/wrong lane	$1287	$214
Failure to stop at a red light	$1294	$220
Following too closely	$1294	$215
Illegal turn	$1294	$220
Improper passing	$1294	$215
Speeding 6 - 10 MPH over limit	$1294	$220
Speeding 16 - 20 MPH over limit	$1306	$218
Speeding 11 - 15 MPH over limit	$1313	$223
Passing school bus	$1354	$226
In 65 MPH zone	$1402	$238
Open container	$1422	$237
Speeding 21 - 25 MPH over limit	$1422	$242
At-fault accident - less than $1000	$1463	$244
Operating a vehicle without permission	$1571	$267
At-fault accident - $1000-$2000	$1591	$266
At-fault accident - greater than $2000	$1591	$270
Reckless driving	$1937	$323
Racing	$2079	$353
DUI	$2140	$357
Refusal to submit to a chemical test	$2140	$364
Driving with a suspended license	$2248	$375
Leaving scene of an accident/hit and run	$2248	$382

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Fair Lakes 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 Fair Lakes.

The cheapest car insurance premiums in Fair Lakes are offered by Virginia Farm Bureau at $217 for a six-month policy. However, it can be as expensive as $2552 with companies like Allstate.

Fair Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$217	$36
Mercury	$244	$41
American Family	$386	$64
Auto-Owners Insurance Co	$420	$72
Travelers	$643	$108
Farm Bureau	$663	$112
USAA	$1083	$182
State Farm	$1382	$233
Erie	$1626	$274
Progressive	$1741	$293
Nationwide	$2303	$388
Allstate	$2552	$430

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 Fair Lakes are offered by Mercury at $251. However, it can be as expensive as $2803 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fair Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$251	$42
Virginia Farm Bureau	$258	$43
American Family	$264	$44
Auto-Owners Insurance Co	$271	$46
Cincinnati	$271	$46
Travelers	$535	$90
Erie	$650	$109
State Farm	$813	$137
USAA	$880	$149
Farm Bureau	$948	$158
Nationwide	$1875	$319
Progressive	$1971	$328
Allstate	$2803	$477

Car Insurance Price Trends in Fair Lakes, Virginia

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

The average cost of full coverage in the Fair Lakes rose by $187 in January compared to $103 of December. In other words, there has been an increase by $84 when you compare January and December.

The average cost of liability insurance in the Fair Lakes rose to $63 in January, compared to $52 in December. This represents an increase of $11 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Fair Lakes?

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

What is the cheapest car insurance in Fair Lakes?

The cheapest car insurance in Fair Lakes is $72 per month for full coverage.

How much is car insurance in Fair Lakes for teenagers?

Car insurance for teenagers costs $176 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 Fair Lakes?

The average cost of car insurance is $716 for a six-month policy. It will cost around $137 per month to insure your car in Fair Lakes.

Is car insurance expensive in Fair Lakes?

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

Cheapest Car Insurance Quotes in Fair Lakes

Why you can trust Way?

How Much Is Car Insurance in Fair Lakes

Avg. Car Insurance in Fair Lakes

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Fair Lakes

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Fair Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Fair Lakes, VA

Way's key takeaways about car insurance in Fair Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fair Lakes

Cheapest Liability Coverage in Fair Lakes, VA

Cheapest Full Coverage Car Insurance in Fair Lakes

Cheapest Full Coverage Car Insurance Quotes in Fair Lakes, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fair Lakes by Rating Factor

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

Car Insurance Premiums by Age in Fair Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fair Lakes,VA

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

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 Fair Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Lakes

Fair Lakes Car Insurance Rates by Violation

Fair Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fair Lakes after a DUI

Fair Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fair Lakes after Speeding ticket

Car Insurance Price Trends in Fair Lakes, Virginia

Average Car Insurance Cost in Fair Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fair Lakes, VA

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

Featured Blogs

Data Sources