Cheapest Car Insurance Quotes in Fancy Gap

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Fancy Gap Car Insurance

^$ 24

/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 Fancy Gap

The car insurance rate in Fancy Gap is $581 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $335, making it a popular choice for budget-conscious drivers. Rates in Fancy Gap 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 Fancy Gap

$581

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Fancy Gap

1st place: Virginia Farm Bureau

At $335 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 $410 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 $416 for six months, making it the third cheapest auto insurance company in Fancy Gap.

Fancy Gap Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fancy Gap, VA is Virginia Farm Bureau, offering policies at just $335 for a six-month term. This is followed by American Family, which has an average six-month premium of $410.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1048 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fancy Gap drivers find the best deals.

Cheap Car Insurance Companies in Fancy Gap, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$335	$57
American Family	$410	$68
Auto-Owners Insurance Co	$416	$71
Cincinnati	$421	$70
Nationwide	$476	$80
Erie	$508	$86
Travelers	$546	$92
State Farm	$579	$96
USAA	$627	$106
Farm Bureau	$676	$113
Mercury	$708	$119
Progressive	$800	$134
Allstate	$1048	$178

Key Takeaways

Way's key takeaways about car insurance in Fancy Gap

The auto insurance costs in Fancy Gap fall around $335 for six months.
The cheapest auto insurance company in Fancy Gap is Virginia Farm Bureau.
Teen drivers pay the highest rate in Fancy Gap at $643 per month.

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Cheapest Minimum Liability Car Insurance in Fancy Gap

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 Fancy Gap are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Fancy Gap. Their Average 6 Month Premium is $140. Nationwide is the most expensive at $454 for the same period.

Cheapest Liability Coverage in Fancy Gap, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$140	$24
American Family	$157	$26
Cincinnati	$189	$32
Travelers	$206	$35
Auto-Owners Insurance Co	$211	$35
Mercury	$217	$36
Farm Bureau	$227	$38
USAA	$227	$38
Erie	$254	$43
State Farm	$276	$46
Progressive	$351	$58
Allstate	$454	$77
Nationwide	$454	$76

Cheapest Full Coverage Car Insurance in Fancy Gap

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 Fancy Gap is Virginia Farm Bureau at $57 per month and $335 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fancy Gap, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$335	$57
American Family	$410	$68
Auto-Owners Insurance Co	$416	$71
Cincinnati	$421	$70
Nationwide	$476	$80
Erie	$508	$86
Travelers	$546	$92
State Farm	$579	$96
USAA	$627	$106
Farm Bureau	$676	$113
Mercury	$708	$119
Progressive	$800	$134
Allstate	$1048	$178

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Average Car Insurance in Fancy Gap 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 Fancy Gap, VA increasing?

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

Car Insurance Premiums by Age in Fancy Gap

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	$592
30s	Virginia Farm Bureau	$446
40s	USAA	$416
50s	USAA	$390
60s	USAA	$410
70s	USAA	$652

Cheapest Car Insurance Rates for Teen Drivers in Fancy Gap,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 Fancy Gap at $24 per month. At $3859 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	$140	$24
Farm Bureau	$178	$30
Mercury	$189	$32
American Family	$206	$35
Travelers	$211	$35
Auto-Owners Insurance Co	$243	$41
Erie	$816	$137
USAA	$1054	$177
State Farm	$1876	$316
Nationwide	$2373	$396
Allstate	$2756	$469
Progressive	$3859	$643

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 Fancy Gap.

As young drivers face the highest rates in Fancy Gap, USAA offers the cheapest auto insurance rates at $592 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 Fancy Gap, Mercury is the cheapest car insurance provider. At $200 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 Fancy Gap is Nationwide, offering rates of around $384 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Virginia Farm Bureau	$211	$35
Travelers	$324	$54
Cincinnati	$346	$59
Nationwide	$384	$64

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Car Insurance Rates with An Accident in Fancy Gap

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fancy Gap

The cheapest car insurance companies after an at-fault accident in Fancy Gap include AutoOwners Insurance Co and Virginia Farm Bureau, offering $195 and $195, respectively. Encompass is an expensive provider with an average six-month premium of $438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$195	$33
Virginia Farm Bureau	$195	$33
American Family	$206	$35
Cincinnati	$248	$42
Farm Bureau	$254	$43
Travelers	$259	$44
Mercury	$287	$47
Electric	$346	$59
USAA	$487	$82
Erie	$541	$91
State Farm	$611	$103
Nationwide	$1033	$176
Progressive	$1373	$228
Allstate	$1773	$301
Encompass	$438	$75

Fancy Gap Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fancy Gap VA. For example, the car insurance in Fancy Gap after a DUI increases to $854 for a six month policy. While the rate increases by $179 for a six-month policy in the case of a speeding ticket.

Fancy Gap auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$854	$142
One Med/PIP claim	$854	$146
Not-at-fault accident	$886	$147
Two Med/PIP claims	$914	$156
One comp claim	$925	$154
Two comp claims	$967	$165
Failure to show documents	$973	$162
Driving without lights	$989	$168
Child safety restraint	$995	$166
Driving with expired registration	$1006	$171
Failure to wear a seat belt	$1016	$169
Cell phone violation	$1027	$175
Driving too slowly	$1027	$171
Failure to yield	$1027	$175
Speeding in school zone	$1027	$171
Texting while driving	$1027	$175
Wrong way/wrong lane	$1027	$171
Failure to stop at a red light	$1033	$176
Following too closely	$1033	$172
Illegal turn	$1033	$176
Improper passing	$1033	$172
Speeding 6 - 10 MPH over limit	$1033	$176
Speeding 16 - 20 MPH over limit	$1043	$174
Speeding 11 - 15 MPH over limit	$1048	$178
Passing school bus	$1081	$180
In 65 MPH zone	$1119	$190
Open container	$1135	$189
Speeding 21 - 25 MPH over limit	$1135	$193
At-fault accident - less than $1000	$1168	$195
Operating a vehicle without permission	$1254	$213
At-fault accident - $1000-$2000	$1270	$212
At-fault accident - greater than $2000	$1270	$216
Reckless driving	$1546	$258
Racing	$1660	$282
DUI	$1708	$285
Refusal to submit to a chemical test	$1708	$290
Driving with a suspended license	$1795	$299
Leaving scene of an accident/hit and run	$1795	$305

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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 Fancy Gap 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 Fancy Gap.

The cheapest car insurance premiums in Fancy Gap are offered by Virginia Farm Bureau at $173 for a six-month policy. However, it can be as expensive as $1487 with companies like Allstate.

Fancy Gap car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$173	$29
Mercury	$195	$33
Farm Bureau	$222	$37
Travelers	$287	$48
American Family	$308	$51
Auto-Owners Insurance Co	$335	$57
State Farm	$654	$110
USAA	$735	$124
Progressive	$1125	$187
Erie	$1151	$196
Nationwide	$1265	$211
Allstate	$1487	$253

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 Fancy Gap are offered by Mercury at $200. However, it can be as expensive as $270 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Fancy Gap after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Virginia Farm Bureau	$206	$35
American Family	$211	$35
Auto-Owners Insurance Co	$217	$36
Cincinnati	$217	$36
Travelers	$232	$39
Erie	$254	$43
State Farm	$270	$46

Car Insurance Price Trends in Fancy Gap, Virginia

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

The average cost of full coverage in the Fancy Gap rose by $82 in December compared to $79 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 Fancy Gap rose to $42 in December, compared to $40 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 Fancy Gap?

The car insurance in Fancy Gap is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Fancy Gap?

The cheapest car insurance in Fancy Gap is $57 per month for full coverage.

How much is car insurance in Fancy Gap for teenagers?

Car insurance for teenagers costs $140 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 Fancy Gap?

The average cost of car insurance is $638 for a six-month policy. It will cost around $97 per month to insure your car in Fancy Gap.

Is car insurance expensive in Fancy Gap?

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

Cheapest Car Insurance Quotes in Fancy Gap

Why you can trust Way?

How Much Is Car Insurance in Fancy Gap

Avg. Car Insurance in Fancy Gap

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Fancy Gap

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Fancy Gap Car Insurance Rates by Company

Cheap Car Insurance Companies in Fancy Gap, VA

Way's key takeaways about car insurance in Fancy Gap

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fancy Gap

Cheapest Liability Coverage in Fancy Gap, VA

Cheapest Full Coverage Car Insurance in Fancy Gap

Cheapest Full Coverage Car Insurance Quotes in Fancy Gap, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fancy Gap by Rating Factor

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

Car Insurance Premiums by Age in Fancy Gap

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fancy Gap,VA

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

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 Fancy Gap

Cheapest Car Insurance Companies after an At-Fault Accident in Fancy Gap

Fancy Gap Car Insurance Rates by Violation

Fancy Gap auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fancy Gap after a DUI

Fancy Gap car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fancy Gap after Speeding ticket

Car Insurance Price Trends in Fancy Gap, Virginia

Average Car Insurance Cost in Fancy Gap by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fancy Gap, VA

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

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