Cheapest Car Insurance Quotes in Free Union

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399,755 Policies Sold

Free Union Car Insurance

^$ 25

/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 Free Union

The car insurance rate in Free Union is $625 for a six-month policy, which is $13 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Free Union 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 Free Union

$625

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Free Union

1st place: Virginia Farm Bureau

At $361 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 $442 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 $448 for six months, making it the third cheapest auto insurance company in Free Union.

Free Union Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Free Union, VA is Virginia Farm Bureau, offering policies at just $361 for a six-month term. This is followed by American Family, which has an average six-month premium of $442.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1129 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Free Union drivers find the best deals.

Cheap Car Insurance Companies in Free Union, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$361	$62
American Family	$442	$74
Auto-Owners Insurance Co	$448	$76
Cincinnati	$454	$75
Nationwide	$513	$86
Erie	$547	$92
Travelers	$588	$99
State Farm	$623	$104
USAA	$675	$114
Farm Bureau	$728	$122
Mercury	$762	$128
Progressive	$861	$144
Allstate	$1129	$192

Key Takeaways

Way's key takeaways about car insurance in Free Union

The auto insurance costs in Free Union fall around $361 for six months.
The cheapest auto insurance company in Free Union is Virginia Farm Bureau.
Teen drivers pay the highest rate in Free Union at $693 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 Free Union

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 Free Union are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Free Union. Their Average 6 Month Premium is $151. Nationwide is the most expensive at $489 for the same period.

Cheapest Liability Coverage in Free Union, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$151	$25
American Family	$169	$28
Cincinnati	$204	$34
Travelers	$221	$37
Auto-Owners Insurance Co	$227	$38
Mercury	$233	$39
Farm Bureau	$244	$41
USAA	$244	$41
Erie	$273	$46
State Farm	$297	$50
Progressive	$378	$63
Allstate	$489	$83
Nationwide	$489	$81

Cheapest Full Coverage Car Insurance in Free Union

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 Free Union is Virginia Farm Bureau at $62 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Free Union, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$361	$62
American Family	$442	$74
Auto-Owners Insurance Co	$448	$76
Cincinnati	$454	$75
Nationwide	$513	$86
Erie	$547	$92
Travelers	$588	$99
State Farm	$623	$104
USAA	$675	$114
Farm Bureau	$728	$122
Mercury	$762	$128
Progressive	$861	$144
Allstate	$1129	$192

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Average Car Insurance in Free Union 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 Free Union, VA increasing?

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

Car Insurance Premiums by Age in Free Union

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	$637
30s	Virginia Farm Bureau	$480
40s	USAA	$448
50s	USAA	$420
60s	USAA	$442
70s	USAA	$702

Cheapest Car Insurance Rates for Teen Drivers in Free Union,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 Free Union at $25 per month. At $4156 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	$151	$25
Farm Bureau	$192	$32
Mercury	$204	$34
American Family	$221	$37
Travelers	$227	$38
Auto-Owners Insurance Co	$262	$44
Erie	$879	$148
USAA	$1135	$191
State Farm	$2020	$340
Nationwide	$2556	$426
Allstate	$2968	$505
Progressive	$4156	$693

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 Free Union.

As young drivers face the highest rates in Free Union, USAA offers the cheapest auto insurance rates at $637 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 Free Union, Mercury is the cheapest car insurance provider. At $216 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 Free Union is Nationwide, offering rates of around $414 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$216	$36
Virginia Farm Bureau	$227	$38
Travelers	$349	$58
Cincinnati	$372	$64
Nationwide	$414	$69

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Car Insurance Rates with An Accident in Free Union

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

Cheapest Car Insurance Companies after an At-Fault Accident in Free Union

The cheapest car insurance companies after an at-fault accident in Free Union include AutoOwners Insurance Co and Virginia Farm Bureau, offering $210 and $210, respectively. Encompass is an expensive provider with an average six-month premium of $471.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$210	$35
Virginia Farm Bureau	$210	$35
American Family	$221	$37
Cincinnati	$268	$45
Farm Bureau	$273	$46
Travelers	$279	$47
Mercury	$309	$51
Electric	$372	$64
USAA	$524	$88
Erie	$582	$98
State Farm	$658	$111
Nationwide	$1112	$189
Progressive	$1479	$246
Allstate	$1909	$324
Encompass	$471	$80

Free Union Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Free Union VA. For example, the car insurance in Free Union after a DUI increases to $919 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Free Union auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$920	$153
One Med/PIP claim	$920	$157
Not-at-fault accident	$955	$159
Two Med/PIP claims	$984	$168
One comp claim	$996	$166
Two comp claims	$1042	$177
Failure to show documents	$1048	$174
Driving without lights	$1065	$181
Child safety restraint	$1071	$178
Driving with expired registration	$1083	$184
Failure to wear a seat belt	$1095	$182
Cell phone violation	$1106	$188
Driving too slowly	$1106	$184
Failure to yield	$1106	$188
Speeding in school zone	$1106	$184
Texting while driving	$1106	$188
Wrong way/wrong lane	$1106	$184
Failure to stop at a red light	$1112	$189
Following too closely	$1112	$185
Illegal turn	$1112	$189
Improper passing	$1112	$185
Speeding 6 - 10 MPH over limit	$1112	$189
Speeding 16 - 20 MPH over limit	$1123	$187
Speeding 11 - 15 MPH over limit	$1129	$192
Passing school bus	$1164	$194
In 65 MPH zone	$1205	$205
Open container	$1222	$204
Speeding 21 - 25 MPH over limit	$1222	$208
At-fault accident - less than $1000	$1257	$210
Operating a vehicle without permission	$1350	$229
At-fault accident - $1000-$2000	$1368	$228
At-fault accident - greater than $2000	$1368	$232
Reckless driving	$1665	$277
Racing	$1788	$304
DUI	$1839	$307
Refusal to submit to a chemical test	$1839	$313
Driving with a suspended license	$1933	$322
Leaving scene of an accident/hit and run	$1933	$328

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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 Free Union 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 Free Union.

The cheapest car insurance premiums in Free Union are offered by Virginia Farm Bureau at $186 for a six-month policy. However, it can be as expensive as $1601 with companies like Allstate.

Free Union car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$186	$31
Mercury	$210	$35
Farm Bureau	$239	$40
Travelers	$309	$52
American Family	$332	$55
Auto-Owners Insurance Co	$361	$62
State Farm	$705	$119
USAA	$792	$133
Progressive	$1211	$202
Erie	$1240	$211
Nationwide	$1362	$227
Allstate	$1601	$272

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 Free Union are offered by Mercury at $216. However, it can be as expensive as $291 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Free Union after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$216	$36
Virginia Farm Bureau	$221	$37
American Family	$227	$38
Auto-Owners Insurance Co	$233	$39
Cincinnati	$233	$39
Travelers	$250	$42
Erie	$273	$46
State Farm	$291	$49

Car Insurance Price Trends in Free Union, Virginia

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

The average cost of full coverage in the Free Union rose by $88 in December compared to $85 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 Free Union rose to $45 in December, compared to $43 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 Free Union?

The car insurance in Free Union is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Free Union?

The cheapest car insurance in Free Union is $62 per month for full coverage.

How much is car insurance in Free Union for teenagers?

Car insurance for teenagers costs $151 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 Free Union?

The average cost of car insurance is $638 for a six-month policy. It will cost around $105 per month to insure your car in Free Union.

Is car insurance expensive in Free Union?

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

Cheapest Car Insurance Quotes in Free Union

Why you can trust Way?

How Much Is Car Insurance in Free Union

Avg. Car Insurance in Free Union

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Free Union

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Free Union Car Insurance Rates by Company

Cheap Car Insurance Companies in Free Union, VA

Way's key takeaways about car insurance in Free Union

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Free Union

Cheapest Liability Coverage in Free Union, VA

Cheapest Full Coverage Car Insurance in Free Union

Cheapest Full Coverage Car Insurance Quotes in Free Union, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Free Union by Rating Factor

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

Car Insurance Premiums by Age in Free Union

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Free Union,VA

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

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 Free Union

Cheapest Car Insurance Companies after an At-Fault Accident in Free Union

Free Union Car Insurance Rates by Violation

Free Union auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Free Union after a DUI

Free Union car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Free Union after Speeding ticket

Car Insurance Price Trends in Free Union, Virginia

Average Car Insurance Cost in Free Union by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Free Union, VA

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

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