Cheapest Car Insurance Quotes in Fredericksburg

Finding the cheapest car insurance quotes in Fredericksburg 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

Fredericksburg 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 Fredericksburg

The car insurance rate in Fredericksburg is $730 for a six-month policy, which is $14 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in Fredericksburg 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 Fredericksburg

$730

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Fredericksburg

1st place: Virginia Farm Bureau

At $375 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 $460 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 $466 for six months, making it the third cheapest auto insurance company in Fredericksburg.

Fredericksburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fredericksburg, VA is Virginia Farm Bureau, offering policies at just $375 for a six-month term. This is followed by American Family, which has an average six-month premium of $460.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1569 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fredericksburg drivers find the best deals.

Cheap Car Insurance Companies in Fredericksburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$375	$64
American Family	$460	$77
Auto-Owners Insurance Co	$466	$80
Cincinnati	$472	$79
Travelers	$630	$106
Erie	$636	$107
USAA	$684	$115
Farm Bureau	$715	$120
Nationwide	$715	$120
Mercury	$794	$134
State Farm	$860	$145
Progressive	$1127	$190
Allstate	$1569	$264

Key Takeaways

Way's key takeaways about car insurance in Fredericksburg

The auto insurance costs in Fredericksburg fall around $375 for six months.
The cheapest auto insurance company in Fredericksburg is Virginia Farm Bureau.
Teen drivers pay the highest rate in Fredericksburg at $899 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 Fredericksburg

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 Fredericksburg are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Fredericksburg. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $703 for the same period.

Cheapest Liability Coverage in Fredericksburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$157	$27
American Family	$175	$30
Cincinnati	$212	$36
Auto-Owners Insurance Co	$237	$40
Mercury	$243	$41
Travelers	$249	$42
USAA	$260	$44
Farm Bureau	$266	$45
Erie	$297	$50
State Farm	$375	$63
Progressive	$552	$93
Allstate	$660	$111
Nationwide	$703	$118

Cheapest Full Coverage Car Insurance in Fredericksburg

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 Fredericksburg is Virginia Farm Bureau at $64 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fredericksburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$375	$64
American Family	$460	$77
Auto-Owners Insurance Co	$466	$80
Cincinnati	$472	$79
Travelers	$630	$106
Erie	$636	$107
USAA	$684	$115
Farm Bureau	$715	$120
Nationwide	$715	$120
Mercury	$794	$134
State Farm	$860	$145
Progressive	$1127	$190
Allstate	$1569	$264

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fredericksburg Instantly!

Average Car Insurance in Fredericksburg 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 Fredericksburg, VA increasing?

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

Car Insurance Premiums by Age in Fredericksburg

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	$669
30s	Virginia Farm Bureau	$504
40s	USAA	$470
50s	USAA	$442
60s	USAA	$465
70s	USAA	$736

Cheapest Car Insurance Rates for Teen Drivers in Fredericksburg,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 Fredericksburg at $27 per month. At $5338 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	$157	$27
Mercury	$212	$36
American Family	$231	$39
Auto-Owners Insurance Co	$272	$46
Travelers	$794	$134
Farm Bureau	$830	$140
Erie	$1139	$192
USAA	$1339	$225
State Farm	$2508	$422
Nationwide	$3854	$649
Allstate	$3872	$652
Progressive	$5338	$899

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 Fredericksburg.

As young drivers face the highest rates in Fredericksburg, USAA offers the cheapest auto insurance rates at $669 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 Fredericksburg, Mercury is the cheapest car insurance provider. At $224 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 Fredericksburg is State Farm, offering rates of around $4175 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Virginia Farm Bureau	$237	$40
Cincinnati	$388	$64
Travelers	$800	$135
Nationwide	$1103	$186
USAA	$1145	$195
Farm Bureau	$1309	$218
Erie	$1799	$306
Progressive	$2181	$363
Allstate	$2381	$405
State Farm	$4175	$696

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Fredericksburg

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

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

The cheapest car insurance companies after an at-fault accident in Fredericksburg include AutoOwners Insurance Co and Virginia Farm Bureau, offering $218 and $218, respectively. Encompass is an expensive provider with an average six-month premium of $491.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Virginia Farm Bureau	$218	$37
American Family	$231	$39
Cincinnati	$278	$47
Mercury	$321	$53
Electric	$388	$66
Travelers	$460	$78
Farm Bureau	$569	$96
USAA	$643	$108
Erie	$752	$126
State Farm	$781	$132
Nationwide	$1605	$270
Progressive	$1818	$306
Allstate	$3357	$565
Encompass	$491	$84

Fredericksburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fredericksburg VA. For example, the car insurance in Fredericksburg after a DUI increases to $957 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Fredericksburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$958	$159
One Med/PIP claim	$958	$163
Not-at-fault accident	$993	$165
Two Med/PIP claims	$1024	$174
One comp claim	$1036	$172
Two comp claims	$1084	$185
Failure to show documents	$1090	$182
Driving without lights	$1109	$189
Child safety restraint	$1115	$186
Driving with expired registration	$1127	$192
Failure to wear a seat belt	$1139	$190
Cell phone violation	$1152	$196
Driving too slowly	$1152	$192
Failure to yield	$1152	$196
Speeding in school zone	$1152	$192
Texting while driving	$1152	$196
Wrong way/wrong lane	$1152	$192
Failure to stop at a red light	$1158	$197
Following too closely	$1158	$193
Illegal turn	$1158	$197
Improper passing	$1158	$193
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding 16 - 20 MPH over limit	$1169	$195
Speeding 11 - 15 MPH over limit	$1175	$200
Passing school bus	$1212	$202
In 65 MPH zone	$1255	$213
Open container	$1272	$212
Speeding 21 - 25 MPH over limit	$1272	$216
At-fault accident - less than $1000	$1309	$218
Operating a vehicle without permission	$1406	$239
At-fault accident - $1000-$2000	$1424	$238
At-fault accident - greater than $2000	$1424	$242
Reckless driving	$1733	$289
Racing	$1860	$316
DUI	$1915	$319
Refusal to submit to a chemical test	$1915	$325
Driving with a suspended license	$2011	$336
Leaving scene of an accident/hit and run	$2011	$342

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 Fredericksburg 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 Fredericksburg.

The cheapest car insurance premiums in Fredericksburg are offered by Virginia Farm Bureau at $194 for a six-month policy. However, it can be as expensive as $2284 with companies like Allstate.

Fredericksburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$194	$33
Mercury	$218	$37
American Family	$346	$57
Auto-Owners Insurance Co	$375	$64
Travelers	$575	$97
Farm Bureau	$594	$100
USAA	$969	$163
State Farm	$1236	$208
Erie	$1455	$245
Progressive	$1558	$262
Nationwide	$2060	$347
Allstate	$2284	$385

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 Fredericksburg are offered by Mercury at $224. However, it can be as expensive as $2508 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fredericksburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$224	$38
Virginia Farm Bureau	$231	$39
American Family	$237	$40
Auto-Owners Insurance Co	$243	$41
Cincinnati	$243	$41
Travelers	$478	$81
Erie	$581	$98
State Farm	$727	$122
USAA	$787	$134
Farm Bureau	$849	$142
Nationwide	$1678	$286
Progressive	$1764	$294
Allstate	$2508	$426

Car Insurance Price Trends in Fredericksburg, Virginia

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

The average cost of full coverage in the Fredericksburg rose by $167 in January compared to $92 of December. In other words, there has been an increase by $75 when you compare January and December.

The average cost of liability insurance in the Fredericksburg rose to $56 in January, compared to $47 in December. This represents an increase of $9 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

Average Car Insurance Cost in Fredericksburg by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fredericksburg. At $861 for a six-month policy, insuring your car at 22405 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
22405	$861	$144
22406	$832	$139
22407	$971	$162
22408	$854	$143
22401	$847	$141

Frequently Asked Questions

How much is car insurance in Fredericksburg?

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

What is the cheapest car insurance in Fredericksburg?

The cheapest car insurance in Fredericksburg is $64 per month for full coverage.

How much is car insurance in Fredericksburg for teenagers?

Car insurance for teenagers costs $157 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 Fredericksburg?

The average cost of car insurance is $716 for a six-month policy. It will cost around $122 per month to insure your car in Fredericksburg.

Is car insurance expensive in Fredericksburg?

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

Cheapest Car Insurance Quotes in Fredericksburg

Why you can trust Way?

How Much Is Car Insurance in Fredericksburg

Avg. Car Insurance in Fredericksburg

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Fredericksburg

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Fredericksburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Fredericksburg, VA

Way's key takeaways about car insurance in Fredericksburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fredericksburg

Cheapest Liability Coverage in Fredericksburg, VA

Cheapest Full Coverage Car Insurance in Fredericksburg

Cheapest Full Coverage Car Insurance Quotes in Fredericksburg, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fredericksburg by Rating Factor

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

Car Insurance Premiums by Age in Fredericksburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fredericksburg,VA

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

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 Fredericksburg

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

Fredericksburg Car Insurance Rates by Violation

Fredericksburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fredericksburg after a DUI

Fredericksburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fredericksburg after Speeding ticket

Car Insurance Price Trends in Fredericksburg, Virginia

Average Car Insurance Cost in Fredericksburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fredericksburg, VA

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

Featured Blogs

Data Sources