Cheapest Car Insurance Quotes in Gloucester Point

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Gloucester Point 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 Gloucester Point

The car insurance rate in Gloucester Point is $695 for a six-month policy, which is $21 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Gloucester Point 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 Gloucester Point

$695

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Gloucester Point

1st place: Virginia Farm Bureau

At $357 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 $437 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 $443 for six months, making it the third cheapest auto insurance company in Gloucester Point.

Gloucester Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gloucester Point, VA is Virginia Farm Bureau, offering policies at just $357 for a six-month term. This is followed by American Family, which has an average six-month premium of $437.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1492 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gloucester Point drivers find the best deals.

Cheap Car Insurance Companies in Gloucester Point, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$357	$61
American Family	$437	$73
Auto-Owners Insurance Co	$443	$76
Cincinnati	$449	$75
Travelers	$599	$101
Erie	$605	$102
USAA	$651	$110
Farm Bureau	$680	$114
Nationwide	$680	$114
Mercury	$755	$127
State Farm	$818	$138
Progressive	$1072	$180
Allstate	$1492	$251

Key Takeaways

Way's key takeaways about car insurance in Gloucester Point

The auto insurance costs in Gloucester Point fall around $357 for six months.
The cheapest auto insurance company in Gloucester Point is Virginia Farm Bureau.
Teen drivers pay the highest rate in Gloucester Point at $855 per month.

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Cheapest Minimum Liability Car Insurance in Gloucester Point

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 Gloucester Point are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Gloucester Point. Their Average 6 Month Premium is $149. Nationwide is the most expensive at $668 for the same period.

Cheapest Liability Coverage in Gloucester Point, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$149	$25
American Family	$167	$28
Cincinnati	$202	$34
Auto-Owners Insurance Co	$225	$38
Mercury	$231	$39
Travelers	$237	$40
USAA	$247	$42
Farm Bureau	$253	$43
Erie	$282	$48
State Farm	$357	$60
Progressive	$525	$88
Allstate	$628	$106
Nationwide	$668	$113

Cheapest Full Coverage Car Insurance in Gloucester Point

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 Gloucester Point is Virginia Farm Bureau at $61 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gloucester Point, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$357	$61
American Family	$437	$73
Auto-Owners Insurance Co	$443	$76
Cincinnati	$449	$75
Travelers	$599	$101
Erie	$605	$102
USAA	$651	$110
Farm Bureau	$680	$114
Nationwide	$680	$114
Mercury	$755	$127
State Farm	$818	$138
Progressive	$1072	$180
Allstate	$1492	$251

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Average Car Insurance in Gloucester Point 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 Gloucester Point, VA increasing?

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

Car Insurance Premiums by Age in Gloucester Point

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	$636
30s	Virginia Farm Bureau	$479
40s	USAA	$447
50s	USAA	$420
60s	USAA	$442
70s	USAA	$700

Cheapest Car Insurance Rates for Teen Drivers in Gloucester Point,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 Gloucester Point at $25 per month. At $5076 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	$149	$25
Mercury	$202	$34
American Family	$219	$37
Auto-Owners Insurance Co	$259	$44
Travelers	$755	$127
Farm Bureau	$790	$133
Erie	$1083	$182
USAA	$1274	$214
State Farm	$2385	$402
Nationwide	$3665	$617
Allstate	$3682	$620
Progressive	$5076	$855

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 Gloucester Point.

As young drivers face the highest rates in Gloucester Point, USAA offers the cheapest auto insurance rates at $636 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 Gloucester Point, Mercury is the cheapest car insurance provider. At $213 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 Gloucester Point is State Farm, offering rates of around $3970 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Virginia Farm Bureau	$225	$38
Cincinnati	$369	$61
Travelers	$760	$128
Nationwide	$1049	$177
USAA	$1089	$185
Farm Bureau	$1245	$208
Erie	$1711	$291
Progressive	$2074	$345
Allstate	$2264	$385
State Farm	$3970	$662

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

Car Insurance Rates with An Accident in Gloucester Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gloucester Point

The cheapest car insurance companies after an at-fault accident in Gloucester Point include AutoOwners Insurance Co and Virginia Farm Bureau, offering $208 and $208, respectively. Encompass is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$208	$35
Virginia Farm Bureau	$208	$35
American Family	$219	$37
Cincinnati	$265	$45
Mercury	$306	$50
Electric	$369	$63
Travelers	$437	$74
Farm Bureau	$541	$91
USAA	$611	$103
Erie	$715	$120
State Farm	$743	$125
Nationwide	$1527	$257
Progressive	$1729	$291
Allstate	$3192	$537
Encompass	$467	$80

Gloucester Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gloucester Point VA. For example, the car insurance in Gloucester Point after a DUI increases to $910 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Gloucester Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$911	$151
One Med/PIP claim	$911	$155
Not-at-fault accident	$945	$157
Two Med/PIP claims	$974	$166
One comp claim	$986	$164
Two comp claims	$1031	$176
Failure to show documents	$1037	$173
Driving without lights	$1054	$179
Child safety restraint	$1060	$177
Driving with expired registration	$1072	$182
Failure to wear a seat belt	$1083	$180
Cell phone violation	$1095	$186
Driving too slowly	$1095	$182
Failure to yield	$1095	$186
Speeding in school zone	$1095	$182
Texting while driving	$1095	$186
Wrong way/wrong lane	$1095	$182
Failure to stop at a red light	$1101	$187
Following too closely	$1101	$183
Illegal turn	$1101	$187
Improper passing	$1101	$183
Speeding 6 - 10 MPH over limit	$1101	$187
Speeding 16 - 20 MPH over limit	$1112	$185
Speeding 11 - 15 MPH over limit	$1117	$190
Passing school bus	$1152	$192
In 65 MPH zone	$1193	$203
Open container	$1210	$202
Speeding 21 - 25 MPH over limit	$1210	$206
At-fault accident - less than $1000	$1245	$208
Operating a vehicle without permission	$1337	$227
At-fault accident - $1000-$2000	$1354	$226
At-fault accident - greater than $2000	$1354	$230
Reckless driving	$1648	$275
Racing	$1769	$301
DUI	$1821	$304
Refusal to submit to a chemical test	$1821	$309
Driving with a suspended license	$1913	$319
Leaving scene of an accident/hit and run	$1913	$325

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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 Gloucester Point 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 Gloucester Point.

The cheapest car insurance premiums in Gloucester Point are offered by Virginia Farm Bureau at $184 for a six-month policy. However, it can be as expensive as $2172 with companies like Allstate.

Gloucester Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$184	$31
Mercury	$208	$35
American Family	$329	$54
Auto-Owners Insurance Co	$357	$61
Travelers	$547	$92
Farm Bureau	$565	$95
USAA	$922	$155
State Farm	$1176	$198
Erie	$1383	$233
Progressive	$1481	$249
Nationwide	$1959	$330
Allstate	$2172	$366

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 Gloucester Point are offered by Mercury at $213. However, it can be as expensive as $2385 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gloucester Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Virginia Farm Bureau	$219	$37
American Family	$225	$38
Auto-Owners Insurance Co	$231	$39
Cincinnati	$231	$39
Travelers	$455	$77
Erie	$553	$93
State Farm	$692	$116
USAA	$749	$127
Farm Bureau	$807	$135
Nationwide	$1596	$272
Progressive	$1677	$279
Allstate	$2385	$405

Car Insurance Price Trends in Gloucester Point, Virginia

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

The average cost of full coverage in the Gloucester Point rose by $159 in January compared to $87 of December. In other words, there has been an increase by $72 when you compare January and December.

The average cost of liability insurance in the Gloucester Point rose to $53 in January, compared to $45 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gloucester Point?

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

What is the cheapest car insurance in Gloucester Point?

The cheapest car insurance in Gloucester Point is $61 per month for full coverage.

How much is car insurance in Gloucester Point for teenagers?

Car insurance for teenagers costs $149 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 Gloucester Point?

The average cost of car insurance is $716 for a six-month policy. It will cost around $116 per month to insure your car in Gloucester Point.

Is car insurance expensive in Gloucester Point?

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

Cheapest Car Insurance Quotes in Gloucester Point

Why you can trust Way?

How Much Is Car Insurance in Gloucester Point

Avg. Car Insurance in Gloucester Point

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Gloucester Point

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Gloucester Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Gloucester Point, VA

Way's key takeaways about car insurance in Gloucester Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gloucester Point

Cheapest Liability Coverage in Gloucester Point, VA

Cheapest Full Coverage Car Insurance in Gloucester Point

Cheapest Full Coverage Car Insurance Quotes in Gloucester Point, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gloucester Point by Rating Factor

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

Car Insurance Premiums by Age in Gloucester Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gloucester Point,VA

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

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 Gloucester Point

Cheapest Car Insurance Companies after an At-Fault Accident in Gloucester Point

Gloucester Point Car Insurance Rates by Violation

Gloucester Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gloucester Point after a DUI

Gloucester Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gloucester Point after Speeding ticket

Car Insurance Price Trends in Gloucester Point, Virginia

Average Car Insurance Cost in Gloucester Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gloucester Point, VA

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

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