Cheapest Car Insurance Quotes in Fort Lee

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Fort Lee Car Insurance

^$ 27

/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 Fort Lee

The car insurance rate in Fort Lee is $745 for a six-month policy, which is $29 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in Fort Lee 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 Fort Lee

$745

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Fort Lee

1st place: Virginia Farm Bureau

At $383 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 $469 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 $475 for six months, making it the third cheapest auto insurance company in Fort Lee.

Fort Lee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Lee, VA is Virginia Farm Bureau, offering policies at just $383 for a six-month term. This is followed by American Family, which has an average six-month premium of $469.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1600 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Lee drivers find the best deals.

Cheap Car Insurance Companies in Fort Lee, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$383	$66
American Family	$469	$78
Auto-Owners Insurance Co	$475	$81
Cincinnati	$482	$80
Travelers	$643	$108
Erie	$649	$109
USAA	$698	$118
Farm Bureau	$729	$123
Nationwide	$729	$123
Mercury	$809	$136
State Farm	$877	$148
Progressive	$1149	$193
Allstate	$1600	$269

Key Takeaways

Way's key takeaways about car insurance in Fort Lee

The auto insurance costs in Fort Lee fall around $383 for six months.
The cheapest auto insurance company in Fort Lee is Virginia Farm Bureau.
Teen drivers pay the highest rate in Fort Lee at $916 per month.

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

Cheapest Minimum Liability Car Insurance in Fort Lee

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 Fort Lee are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Fort Lee. Their Average 6 Month Premium is $160. Nationwide is the most expensive at $717 for the same period.

Cheapest Liability Coverage in Fort Lee, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$160	$27
American Family	$179	$30
Cincinnati	$216	$36
Auto-Owners Insurance Co	$241	$41
Mercury	$248	$42
Travelers	$254	$43
USAA	$265	$45
Farm Bureau	$271	$46
Erie	$303	$51
State Farm	$383	$64
Progressive	$563	$95
Allstate	$673	$113
Nationwide	$717	$121

Cheapest Full Coverage Car Insurance in Fort Lee

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 Fort Lee is Virginia Farm Bureau at $66 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Lee, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$383	$66
American Family	$469	$78
Auto-Owners Insurance Co	$475	$81
Cincinnati	$482	$80
Travelers	$643	$108
Erie	$649	$109
USAA	$698	$118
Farm Bureau	$729	$123
Nationwide	$729	$123
Mercury	$809	$136
State Farm	$877	$148
Progressive	$1149	$193
Allstate	$1600	$269

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Average Car Insurance in Fort Lee 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 Fort Lee, VA increasing?

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

Car Insurance Premiums by Age in Fort Lee

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	$682
30s	Virginia Farm Bureau	$514
40s	USAA	$479
50s	USAA	$450
60s	USAA	$474
70s	USAA	$751

Cheapest Car Insurance Rates for Teen Drivers in Fort Lee,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 Fort Lee at $27 per month. At $5442 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	$160	$27
Mercury	$216	$36
American Family	$235	$40
Auto-Owners Insurance Co	$278	$47
Travelers	$809	$136
Farm Bureau	$847	$142
Erie	$1162	$196
USAA	$1366	$230
State Farm	$2557	$431
Nationwide	$3929	$661
Allstate	$3948	$665
Progressive	$5442	$916

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 Fort Lee.

As young drivers face the highest rates in Fort Lee, USAA offers the cheapest auto insurance rates at $682 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 Fort Lee, Mercury is the cheapest car insurance provider. At $229 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 Fort Lee is State Farm, offering rates of around $4257 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$38
Virginia Farm Bureau	$241	$41
Cincinnati	$395	$66
Travelers	$815	$137
Nationwide	$1124	$189
USAA	$1168	$199
Farm Bureau	$1334	$223
Erie	$1835	$312
Progressive	$2224	$370
Allstate	$2427	$413
State Farm	$4257	$709

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Car Insurance Rates with An Accident in Fort Lee

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Lee

The cheapest car insurance companies after an at-fault accident in Fort Lee include AutoOwners Insurance Co and Virginia Farm Bureau, offering $223 and $223, respectively. Encompass is an expensive provider with an average six-month premium of $500.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$223	$37
Virginia Farm Bureau	$223	$37
American Family	$235	$40
Cincinnati	$284	$48
Mercury	$328	$54
Electric	$395	$68
Travelers	$469	$79
Farm Bureau	$580	$98
USAA	$655	$110
Erie	$766	$129
State Farm	$797	$134
Nationwide	$1637	$276
Progressive	$1853	$312
Allstate	$3423	$576
Encompass	$500	$85

Fort Lee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Lee VA. For example, the car insurance in Fort Lee after a DUI increases to $975 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Fort Lee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$977	$162
One Med/PIP claim	$977	$166
Not-at-fault accident	$1013	$168
Two Med/PIP claims	$1044	$178
One comp claim	$1057	$176
Two comp claims	$1106	$188
Failure to show documents	$1112	$185
Driving without lights	$1130	$192
Child safety restraint	$1137	$189
Driving with expired registration	$1149	$196
Failure to wear a seat belt	$1162	$193
Cell phone violation	$1174	$200
Driving too slowly	$1174	$196
Failure to yield	$1174	$200
Speeding in school zone	$1174	$196
Texting while driving	$1174	$200
Wrong way/wrong lane	$1174	$196
Failure to stop at a red light	$1180	$201
Following too closely	$1180	$197
Illegal turn	$1180	$201
Improper passing	$1180	$197
Speeding 6 - 10 MPH over limit	$1180	$201
Speeding 16 - 20 MPH over limit	$1192	$199
Speeding 11 - 15 MPH over limit	$1198	$204
Passing school bus	$1236	$206
In 65 MPH zone	$1279	$217
Open container	$1297	$216
Speeding 21 - 25 MPH over limit	$1297	$220
At-fault accident - less than $1000	$1334	$223
Operating a vehicle without permission	$1433	$243
At-fault accident - $1000-$2000	$1452	$242
At-fault accident - greater than $2000	$1452	$246
Reckless driving	$1767	$294
Racing	$1897	$322
DUI	$1952	$326
Refusal to submit to a chemical test	$1952	$332
Driving with a suspended license	$2051	$342
Leaving scene of an accident/hit and run	$2051	$348

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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 Fort Lee 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 Fort Lee.

The cheapest car insurance premiums in Fort Lee are offered by Virginia Farm Bureau at $198 for a six-month policy. However, it can be as expensive as $2329 with companies like Allstate.

Fort Lee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$198	$33
Mercury	$223	$37
American Family	$353	$58
Auto-Owners Insurance Co	$383	$66
Travelers	$587	$99
Farm Bureau	$605	$102
USAA	$988	$166
State Farm	$1260	$212
Erie	$1483	$250
Progressive	$1588	$267
Nationwide	$2101	$354
Allstate	$2329	$392

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 Fort Lee are offered by Mercury at $229. However, it can be as expensive as $2557 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Lee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$38
Virginia Farm Bureau	$235	$40
American Family	$241	$41
Auto-Owners Insurance Co	$248	$42
Cincinnati	$248	$42
Travelers	$488	$82
Erie	$593	$100
State Farm	$742	$125
USAA	$803	$136
Farm Bureau	$865	$145
Nationwide	$1711	$291
Progressive	$1798	$300
Allstate	$2557	$435

Car Insurance Price Trends in Fort Lee, Virginia

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

The average cost of full coverage in the Fort Lee rose by $171 in January compared to $94 of December. In other words, there has been an increase by $77 when you compare January and December.

The average cost of liability insurance in the Fort Lee rose to $57 in January, compared to $48 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fort Lee?

The car insurance in Fort Lee is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Lee?

The cheapest car insurance in Fort Lee is $66 per month for full coverage.

How much is car insurance in Fort Lee for teenagers?

Car insurance for teenagers costs $160 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 Fort Lee?

The average cost of car insurance is $716 for a six-month policy. It will cost around $125 per month to insure your car in Fort Lee.

Is car insurance expensive in Fort Lee?

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

Cheapest Car Insurance Quotes in Fort Lee

Why you can trust Way?

How Much Is Car Insurance in Fort Lee

Avg. Car Insurance in Fort Lee

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Fort Lee

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Fort Lee Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Lee, VA

Way's key takeaways about car insurance in Fort Lee

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Lee

Cheapest Liability Coverage in Fort Lee, VA

Cheapest Full Coverage Car Insurance in Fort Lee

Cheapest Full Coverage Car Insurance Quotes in Fort Lee, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Lee by Rating Factor

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

Car Insurance Premiums by Age in Fort Lee

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Lee,VA

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

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 Fort Lee

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Lee

Fort Lee Car Insurance Rates by Violation

Fort Lee auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Lee after a DUI

Fort Lee car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Lee after Speeding ticket

Car Insurance Price Trends in Fort Lee, Virginia

Average Car Insurance Cost in Fort Lee by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Lee, VA

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

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