Cheapest Car Insurance Quotes in Fairlawn

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Fairlawn Car Insurance

^$ 22

/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 Fairlawn

The car insurance rate in Fairlawn is $616 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $316, making it a popular choice for budget-conscious drivers. Rates in Fairlawn 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 Fairlawn

$616

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Fairlawn

1st place: Virginia Farm Bureau

At $316 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 $388 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 $393 for six months, making it the third cheapest auto insurance company in Fairlawn.

Fairlawn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairlawn, VA is Virginia Farm Bureau, offering policies at just $316 for a six-month term. This is followed by American Family, which has an average six-month premium of $388.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1323 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairlawn drivers find the best deals.

Cheap Car Insurance Companies in Fairlawn, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$316	$54
American Family	$388	$65
Auto-Owners Insurance Co	$393	$67
Cincinnati	$398	$66
Travelers	$531	$89
Erie	$537	$90
USAA	$577	$97
Farm Bureau	$603	$101
Nationwide	$603	$101
Mercury	$669	$113
State Farm	$725	$122
Progressive	$950	$160
Allstate	$1323	$223

Key Takeaways

Way's key takeaways about car insurance in Fairlawn

The auto insurance costs in Fairlawn fall around $316 for six months.
The cheapest auto insurance company in Fairlawn is Virginia Farm Bureau.
Teen drivers pay the highest rate in Fairlawn at $758 per month.

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Cheapest Minimum Liability Car Insurance in Fairlawn

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 Fairlawn are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Fairlawn. Their Average 6 Month Premium is $132. Nationwide is the most expensive at $593 for the same period.

Cheapest Liability Coverage in Fairlawn, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$132	$22
American Family	$148	$25
Cincinnati	$179	$30
Auto-Owners Insurance Co	$200	$34
Mercury	$205	$34
Travelers	$210	$35
USAA	$219	$37
Farm Bureau	$224	$38
Erie	$250	$42
State Farm	$316	$53
Progressive	$465	$78
Allstate	$556	$94
Nationwide	$593	$100

Cheapest Full Coverage Car Insurance in Fairlawn

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 Fairlawn is Virginia Farm Bureau at $54 per month and $316 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairlawn, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$316	$54
American Family	$388	$65
Auto-Owners Insurance Co	$393	$67
Cincinnati	$398	$66
Travelers	$531	$89
Erie	$537	$90
USAA	$577	$97
Farm Bureau	$603	$101
Nationwide	$603	$101
Mercury	$669	$113
State Farm	$725	$122
Progressive	$950	$160
Allstate	$1323	$223

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Average Car Insurance in Fairlawn 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 Fairlawn, VA increasing?

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

Car Insurance Premiums by Age in Fairlawn

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	$564
30s	Virginia Farm Bureau	$425
40s	USAA	$396
50s	USAA	$372
60s	USAA	$392
70s	USAA	$621

Cheapest Car Insurance Rates for Teen Drivers in Fairlawn,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 Fairlawn at $22 per month. At $4500 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	$132	$22
Mercury	$179	$30
American Family	$194	$33
Auto-Owners Insurance Co	$230	$39
Travelers	$669	$113
Farm Bureau	$700	$118
Erie	$961	$162
USAA	$1129	$190
State Farm	$2115	$356
Nationwide	$3249	$547
Allstate	$3265	$550
Progressive	$4500	$758

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 Fairlawn.

As young drivers face the highest rates in Fairlawn, USAA offers the cheapest auto insurance rates at $564 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 Fairlawn, Mercury is the cheapest car insurance provider. At $189 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 Fairlawn is State Farm, offering rates of around $3520 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$189	$32
Virginia Farm Bureau	$200	$34
Cincinnati	$327	$54
Travelers	$674	$114
Nationwide	$930	$157
USAA	$966	$164
Farm Bureau	$1103	$184
Erie	$1517	$258
Progressive	$1839	$306
Allstate	$2007	$341
State Farm	$3520	$587

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

Car Insurance Rates with An Accident in Fairlawn

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

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

The cheapest car insurance companies after an at-fault accident in Fairlawn include AutoOwners Insurance Co and Virginia Farm Bureau, offering $184 and $184, respectively. Encompass is an expensive provider with an average six-month premium of $414.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$184	$31
Virginia Farm Bureau	$184	$31
American Family	$194	$33
Cincinnati	$235	$40
Mercury	$271	$45
Electric	$327	$56
Travelers	$388	$65
Farm Bureau	$480	$81
USAA	$542	$91
Erie	$634	$107
State Farm	$659	$111
Nationwide	$1354	$228
Progressive	$1533	$258
Allstate	$2830	$476
Encompass	$414	$71

Fairlawn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairlawn VA. For example, the car insurance in Fairlawn after a DUI increases to $806 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Fairlawn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$808	$134
One Med/PIP claim	$808	$138
Not-at-fault accident	$838	$139
Two Med/PIP claims	$863	$147
One comp claim	$874	$145
Two comp claims	$914	$156
Failure to show documents	$919	$153
Driving without lights	$935	$159
Child safety restraint	$940	$157
Driving with expired registration	$950	$162
Failure to wear a seat belt	$961	$160
Cell phone violation	$971	$165
Driving too slowly	$971	$162
Failure to yield	$971	$165
Speeding in school zone	$971	$162
Texting while driving	$971	$165
Wrong way/wrong lane	$971	$162
Failure to stop at a red light	$976	$166
Following too closely	$976	$163
Illegal turn	$976	$166
Improper passing	$976	$163
Speeding 6 - 10 MPH over limit	$976	$166
Speeding 16 - 20 MPH over limit	$986	$164
Speeding 11 - 15 MPH over limit	$991	$169
Passing school bus	$1022	$170
In 65 MPH zone	$1058	$180
Open container	$1072	$179
Speeding 21 - 25 MPH over limit	$1072	$182
At-fault accident - less than $1000	$1103	$184
Operating a vehicle without permission	$1185	$201
At-fault accident - $1000-$2000	$1201	$200
At-fault accident - greater than $2000	$1201	$204
Reckless driving	$1461	$243
Racing	$1569	$267
DUI	$1614	$269
Refusal to submit to a chemical test	$1614	$274
Driving with a suspended license	$1696	$283
Leaving scene of an accident/hit and run	$1696	$288

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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 Fairlawn 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 Fairlawn.

The cheapest car insurance premiums in Fairlawn are offered by Virginia Farm Bureau at $163 for a six-month policy. However, it can be as expensive as $1926 with companies like Allstate.

Fairlawn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$163	$28
Mercury	$184	$31
American Family	$292	$48
Auto-Owners Insurance Co	$316	$54
Travelers	$485	$82
Farm Bureau	$501	$84
USAA	$817	$138
State Farm	$1042	$175
Erie	$1226	$206
Progressive	$1313	$221
Nationwide	$1737	$292
Allstate	$1926	$324

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 Fairlawn are offered by Mercury at $189. However, it can be as expensive as $2115 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fairlawn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$189	$32
Virginia Farm Bureau	$194	$33
American Family	$200	$34
Auto-Owners Insurance Co	$205	$34
Cincinnati	$205	$34
Travelers	$403	$68
Erie	$490	$83
State Farm	$613	$103
USAA	$664	$113
Farm Bureau	$716	$120
Nationwide	$1415	$241
Progressive	$1487	$248
Allstate	$2115	$359

Car Insurance Price Trends in Fairlawn, Virginia

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

The average cost of full coverage in the Fairlawn rose by $141 in January compared to $77 of December. In other words, there has been an increase by $64 when you compare January and December.

The average cost of liability insurance in the Fairlawn rose to $47 in January, compared to $40 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fairlawn?

The car insurance in Fairlawn is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Fairlawn?

The cheapest car insurance in Fairlawn is $54 per month for full coverage.

How much is car insurance in Fairlawn for teenagers?

Car insurance for teenagers costs $132 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 Fairlawn?

The average cost of car insurance is $716 for a six-month policy. It will cost around $103 per month to insure your car in Fairlawn.

Is car insurance expensive in Fairlawn?

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

Cheapest Car Insurance Quotes in Fairlawn

Why you can trust Way?

How Much Is Car Insurance in Fairlawn

Avg. Car Insurance in Fairlawn

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Fairlawn

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Fairlawn Car Insurance Rates by Company

Cheap Car Insurance Companies in Fairlawn, VA

Way's key takeaways about car insurance in Fairlawn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fairlawn

Cheapest Liability Coverage in Fairlawn, VA

Cheapest Full Coverage Car Insurance in Fairlawn

Cheapest Full Coverage Car Insurance Quotes in Fairlawn, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fairlawn by Rating Factor

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

Car Insurance Premiums by Age in Fairlawn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fairlawn,VA

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

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 Fairlawn

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

Fairlawn Car Insurance Rates by Violation

Fairlawn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fairlawn after a DUI

Fairlawn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fairlawn after Speeding ticket

Car Insurance Price Trends in Fairlawn, Virginia

Average Car Insurance Cost in Fairlawn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fairlawn, VA

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

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