Cheapest Car Insurance Quotes in Hayfield

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Hayfield Car Insurance

^$ 31

/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 Hayfield

The car insurance rate in Hayfield is $759 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Hayfield 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 Hayfield

$759

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Hayfield

1st place: Virginia Farm Bureau

At $438 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 $537 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 $544 for six months, making it the third cheapest auto insurance company in Hayfield.

Hayfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hayfield, VA is Virginia Farm Bureau, offering policies at just $438 for a six-month term. This is followed by American Family, which has an average six-month premium of $537.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1371 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hayfield drivers find the best deals.

Cheap Car Insurance Companies in Hayfield, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$438	$75
American Family	$537	$89
Auto-Owners Insurance Co	$544	$93
Cincinnati	$551	$92
Nationwide	$622	$105
Erie	$664	$112
Travelers	$714	$120
State Farm	$757	$126
USAA	$820	$138
Farm Bureau	$884	$148
Mercury	$926	$156
Progressive	$1046	$175
Allstate	$1371	$233

Key Takeaways

Way's key takeaways about car insurance in Hayfield

The auto insurance costs in Hayfield fall around $438 for six months.
The cheapest auto insurance company in Hayfield is Virginia Farm Bureau.
Teen drivers pay the highest rate in Hayfield at $841 per month.

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Cheapest Minimum Liability Car Insurance in Hayfield

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 Hayfield are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Hayfield. Their Average 6 Month Premium is $183. Nationwide is the most expensive at $594 for the same period.

Cheapest Liability Coverage in Hayfield, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$183	$31
American Family	$205	$35
Cincinnati	$248	$42
Travelers	$269	$45
Auto-Owners Insurance Co	$276	$46
Mercury	$283	$48
Farm Bureau	$296	$50
USAA	$296	$50
Erie	$332	$56
State Farm	$361	$61
Progressive	$459	$76
Allstate	$594	$101
Nationwide	$594	$99

Cheapest Full Coverage Car Insurance in Hayfield

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 Hayfield is Virginia Farm Bureau at $75 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hayfield, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$438	$75
American Family	$537	$89
Auto-Owners Insurance Co	$544	$93
Cincinnati	$551	$92
Nationwide	$622	$105
Erie	$664	$112
Travelers	$714	$120
State Farm	$757	$126
USAA	$820	$138
Farm Bureau	$884	$148
Mercury	$926	$156
Progressive	$1046	$175
Allstate	$1371	$233

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Average Car Insurance in Hayfield 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 Hayfield, VA increasing?

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

Car Insurance Premiums by Age in Hayfield

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	$774
30s	Virginia Farm Bureau	$583
40s	USAA	$544
50s	USAA	$511
60s	USAA	$537
70s	USAA	$852

Cheapest Car Insurance Rates for Teen Drivers in Hayfield,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 Hayfield at $31 per month. At $5047 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	$183	$31
Farm Bureau	$233	$39
Mercury	$248	$42
American Family	$269	$45
Travelers	$276	$46
Auto-Owners Insurance Co	$318	$54
Erie	$1067	$180
USAA	$1378	$232
State Farm	$2453	$413
Nationwide	$3104	$518
Allstate	$3605	$613
Progressive	$5047	$841

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 Hayfield.

As young drivers face the highest rates in Hayfield, USAA offers the cheapest auto insurance rates at $774 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 Hayfield, Mercury is the cheapest car insurance provider. At $262 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 Hayfield is Nationwide, offering rates of around $502 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Virginia Farm Bureau	$276	$46
Travelers	$424	$70
Cincinnati	$452	$77
Nationwide	$502	$83

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Car Insurance Rates with An Accident in Hayfield

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

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

The cheapest car insurance companies after an at-fault accident in Hayfield include AutoOwners Insurance Co and Virginia Farm Bureau, offering $255 and $255, respectively. Encompass is an expensive provider with an average six-month premium of $572.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Virginia Farm Bureau	$255	$43
American Family	$269	$45
Cincinnati	$325	$55
Farm Bureau	$332	$56
Travelers	$339	$57
Mercury	$375	$62
Electric	$452	$77
USAA	$637	$107
Erie	$707	$119
State Farm	$798	$134
Nationwide	$1351	$230
Progressive	$1796	$299
Allstate	$2318	$394
Encompass	$572	$98

Hayfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hayfield VA. For example, the car insurance in Hayfield after a DUI increases to $1117 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

Hayfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1117	$186
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1159	$193
Two Med/PIP claims	$1195	$203
One comp claim	$1209	$201
Two comp claims	$1265	$215
Failure to show documents	$1272	$212
Driving without lights	$1294	$220
Child safety restraint	$1301	$217
Driving with expired registration	$1315	$224
Failure to wear a seat belt	$1329	$221
Cell phone violation	$1344	$228
Driving too slowly	$1344	$224
Failure to yield	$1344	$228
Speeding in school zone	$1344	$224
Texting while driving	$1344	$228
Wrong way/wrong lane	$1344	$224
Failure to stop at a red light	$1351	$230
Following too closely	$1351	$225
Illegal turn	$1351	$230
Improper passing	$1351	$225
Speeding 6 - 10 MPH over limit	$1351	$230
Speeding 16 - 20 MPH over limit	$1364	$227
Speeding 11 - 15 MPH over limit	$1371	$233
Passing school bus	$1414	$236
In 65 MPH zone	$1464	$249
Open container	$1484	$248
Speeding 21 - 25 MPH over limit	$1484	$252
At-fault accident - less than $1000	$1527	$255
Operating a vehicle without permission	$1640	$278
At-fault accident - $1000-$2000	$1661	$277
At-fault accident - greater than $2000	$1661	$282
Reckless driving	$2022	$337
Racing	$2171	$369
DUI	$2234	$372
Refusal to submit to a chemical test	$2234	$380
Driving with a suspended license	$2347	$392
Leaving scene of an accident/hit and run	$2347	$399

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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 Hayfield 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 Hayfield.

The cheapest car insurance premiums in Hayfield are offered by Virginia Farm Bureau at $226 for a six-month policy. However, it can be as expensive as $1944 with companies like Allstate.

Hayfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$226	$38
Mercury	$255	$43
Farm Bureau	$290	$49
Travelers	$375	$63
American Family	$403	$67
Auto-Owners Insurance Co	$438	$75
State Farm	$856	$144
USAA	$962	$162
Progressive	$1471	$245
Erie	$1505	$256
Nationwide	$1654	$276
Allstate	$1944	$331

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 Hayfield are offered by Mercury at $262. However, it can be as expensive as $353 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Hayfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Virginia Farm Bureau	$269	$45
American Family	$276	$46
Auto-Owners Insurance Co	$283	$48
Cincinnati	$283	$48
Travelers	$303	$51
Erie	$332	$56
State Farm	$353	$60

Car Insurance Price Trends in Hayfield, Virginia

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

The average cost of full coverage in the Hayfield rose by $107 in December compared to $104 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 Hayfield rose to $55 in December, compared to $52 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hayfield?

The car insurance in Hayfield is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Hayfield?

The cheapest car insurance in Hayfield is $75 per month for full coverage.

How much is car insurance in Hayfield for teenagers?

Car insurance for teenagers costs $183 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 Hayfield?

The average cost of car insurance is $638 for a six-month policy. It will cost around $127 per month to insure your car in Hayfield.

Is car insurance expensive in Hayfield?

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

Cheapest Car Insurance Quotes in Hayfield

Why you can trust Way?

How Much Is Car Insurance in Hayfield

Avg. Car Insurance in Hayfield

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Hayfield

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Hayfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Hayfield, VA

Way's key takeaways about car insurance in Hayfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hayfield

Cheapest Liability Coverage in Hayfield, VA

Cheapest Full Coverage Car Insurance in Hayfield

Cheapest Full Coverage Car Insurance Quotes in Hayfield, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hayfield by Rating Factor

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

Car Insurance Premiums by Age in Hayfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hayfield,VA

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

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 Hayfield

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

Hayfield Car Insurance Rates by Violation

Hayfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hayfield after a DUI

Hayfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hayfield after Speeding ticket

Car Insurance Price Trends in Hayfield, Virginia

Average Car Insurance Cost in Hayfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hayfield, VA

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

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