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Fairlawn Car Insurance
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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.
The car insurance rate in the Fairlawn is $555, which is $90 lower than the state average. Virginia Farm Bureau offers the cheapest insurance rates in the city at $316 for a six-month policy.
$555
$645
$1146
At $316 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.
American Family offers auto insurance rates at $388 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $393 for six months, making it the third cheapest auto insurance company in Fairlawn.
Based on our research, the cheapest car insurance companies in Fairlawn VA include Virginia Farm Bureau, offering $316 for a six-month policy. This is followed by American Family, with an average six-month premium of $388. Allstate is the most expensive, at $1185.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $316 | $52 |
| American Family | $388 | $66 |
| Auto-Owners Insurance Co | $393 | $65 |
| Cincinnati | $398 | $68 |
| Travelers | $495 | $83 |
| USAA | $506 | $85 |
| USAA | $506 | $85 |
| Nationwide | $526 | $89 |
| Mercury | $547 | $92 |
| Farm Bureau | $562 | $95 |
| Erie | $567 | $95 |
| State Farm | $572 | $96 |
| Progressive | $812 | $137 |
| Allstate | $1185 | $200 |
Save up to $971/yr with our auto insurance quotes
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. Allstate is the most expensive at $572 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $132 | $22 |
| American Family | $148 | $25 |
| Farm Bureau | $189 | $32 |
| USAA | $194 | $33 |
| Auto-Owners Insurance Co | $200 | $34 |
| Travelers | $200 | $34 |
| Cincinnati | $205 | $34 |
| Mercury | $205 | $34 |
| Erie | $230 | $39 |
| State Farm | $266 | $45 |
| Progressive | $424 | $71 |
| Nationwide | $465 | $78 |
| Allstate | $572 | $96 |
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 $52 per month and $316 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $316 | $52 |
| American Family | $388 | $66 |
| Auto-Owners Insurance Co | $393 | $65 |
| Cincinnati | $398 | $68 |
| Travelers | $495 | $83 |
| USAA | $506 | $85 |
| USAA | $506 | $85 |
| Nationwide | $526 | $89 |
| Mercury | $547 | $92 |
| Farm Bureau | $562 | $95 |
| Erie | $567 | $95 |
| State Farm | $572 | $96 |
| Progressive | $812 | $137 |
| Allstate | $1185 | $200 |
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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.
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.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $559 |
| 30s | Virginia Farm Bureau | $421 |
| 40s | USAA | $393 |
| 50s | USAA | $369 |
| 60s | USAA | $388 |
| 70s | USAA | $616 |
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 $3821 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 |
| Farm Bureau | $659 | $111 |
| Travelers | $669 | $113 |
| Erie | $914 | $154 |
| USAA | $1067 | $180 |
| State Farm | $1772 | $298 |
| Nationwide | $2534 | $427 |
| Allstate | $2927 | $493 |
| Progressive | $3821 | $643 |
Teen Car Insurance Rates in VA by Age
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.
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 $2319 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $189 | $32 |
| Virginia Farm Bureau | $200 | $34 |
| Travelers | $306 | $52 |
| Cincinnati | $327 | $54 |
| Nationwide | $363 | $62 |
| USAA | $869 | $144 |
| Farm Bureau | $1037 | $176 |
| Erie | $1385 | $230 |
| Progressive | $1395 | $237 |
| Allstate | $1686 | $281 |
| State Farm | $2319 | $395 |
Save up to $971/yr on car insurance rates 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.
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. Allstate is an expensive provider with an average six-month premium of $2233.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $184 | $31 |
| Virginia Farm Bureau | $184 | $31 |
| American Family | $194 | $33 |
| Mercury | $271 | $46 |
| Cincinnati | $306 | $52 |
| Travelers | $403 | $68 |
| Farm Bureau | $460 | $77 |
| USAA | $511 | $86 |
| Erie | $552 | $93 |
| State Farm | $664 | $112 |
| Nationwide | $1093 | $184 |
| Progressive | $1328 | $224 |
| Allstate | $2233 | $376 |
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.
| 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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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.
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 $1757 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $163 | $28 |
| Mercury | $184 | $31 |
| American Family | $292 | $50 |
| Auto-Owners Insurance Co | $316 | $52 |
| Farm Bureau | $480 | $81 |
| Travelers | $506 | $85 |
| USAA | $771 | $130 |
| State Farm | $858 | $144 |
| Erie | $919 | $155 |
| Progressive | $1140 | $192 |
| Nationwide | $1395 | $235 |
| Allstate | $1757 | $296 |
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 $1778 with companies like Allstate for a similar six-month premium.
| 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 | $219 | $37 |
| Erie | $240 | $40 |
| State Farm | $255 | $44 |
| USAA | $587 | $98 |
| Farm Bureau | $674 | $114 |
| Nationwide | $1001 | $167 |
| Progressive | $1145 | $194 |
| Allstate | $1778 | $297 |
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 dipped by $118 in July compared to $121 of July. In other words, there has been an decrease by $3 when you compare July and July.
The average cost of liability insurance in the Fairlawn remained steady at $44 in both July and July, indicating no change over the two month period.
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 $52 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 $645 for a six-month policy. It will cost around $93 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.
What is the best car insurance in Fairlawn, VA?
The best car insurance company in Fairlawn VA is Virginia Farm Bureau, offering $316 for a six-month policy.
Cut auto insurance costs in Fairlawn right now.