Cheapest Car Insurance Quotes in Lake Wilderness

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Lake Wilderness 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 Lake Wilderness

The car insurance rate in Lake Wilderness is $657 for a six-month policy, which is $19 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Lake Wilderness 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 Lake Wilderness

$657

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Lake Wilderness

1st place: Virginia Farm Bureau

At $379 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 $465 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 $471 for six months, making it the third cheapest auto insurance company in Lake Wilderness.

Lake Wilderness Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Wilderness, VA is Virginia Farm Bureau, offering policies at just $379 for a six-month term. This is followed by American Family, which has an average six-month premium of $465.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1187 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Wilderness drivers find the best deals.

Cheap Car Insurance Companies in Lake Wilderness, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$379	$65
American Family	$465	$77
Auto-Owners Insurance Co	$471	$80
Cincinnati	$477	$79
Nationwide	$539	$91
Erie	$575	$97
Travelers	$618	$104
State Farm	$655	$109
USAA	$710	$119
Farm Bureau	$765	$128
Mercury	$801	$135
Progressive	$905	$151
Allstate	$1187	$202

Key Takeaways

Way's key takeaways about car insurance in Lake Wilderness

The auto insurance costs in Lake Wilderness fall around $379 for six months.
The cheapest auto insurance company in Lake Wilderness is Virginia Farm Bureau.
Teen drivers pay the highest rate in Lake Wilderness at $728 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Wilderness

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 Lake Wilderness are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Lake Wilderness. Their Average 6 Month Premium is $159. Nationwide is the most expensive at $514 for the same period.

Cheapest Liability Coverage in Lake Wilderness, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$159	$27
American Family	$177	$30
Cincinnati	$214	$36
Travelers	$233	$39
Auto-Owners Insurance Co	$239	$40
Mercury	$245	$41
Farm Bureau	$256	$43
USAA	$256	$43
Erie	$287	$48
State Farm	$312	$53
Progressive	$398	$66
Allstate	$514	$88
Nationwide	$514	$85

Cheapest Full Coverage Car Insurance in Lake Wilderness

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 Lake Wilderness is Virginia Farm Bureau at $65 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Wilderness, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$379	$65
American Family	$465	$77
Auto-Owners Insurance Co	$471	$80
Cincinnati	$477	$79
Nationwide	$539	$91
Erie	$575	$97
Travelers	$618	$104
State Farm	$655	$109
USAA	$710	$119
Farm Bureau	$765	$128
Mercury	$801	$135
Progressive	$905	$151
Allstate	$1187	$202

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Average Car Insurance in Lake Wilderness 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 Lake Wilderness, VA increasing?

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

Car Insurance Premiums by Age in Lake Wilderness

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	$670
30s	Virginia Farm Bureau	$505
40s	USAA	$471
50s	USAA	$442
60s	USAA	$465
70s	USAA	$737

Cheapest Car Insurance Rates for Teen Drivers in Lake Wilderness,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 Lake Wilderness at $27 per month. At $4368 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	$159	$27
Farm Bureau	$202	$34
Mercury	$214	$36
American Family	$233	$39
Travelers	$239	$40
Auto-Owners Insurance Co	$275	$46
Erie	$924	$156
USAA	$1193	$201
State Farm	$2123	$357
Nationwide	$2686	$448
Allstate	$3120	$530
Progressive	$4368	$728

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 Lake Wilderness.

As young drivers face the highest rates in Lake Wilderness, USAA offers the cheapest auto insurance rates at $670 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 Lake Wilderness, Mercury is the cheapest car insurance provider. At $227 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 Lake Wilderness is Nationwide, offering rates of around $435 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$227	$38
Virginia Farm Bureau	$239	$40
Travelers	$367	$61
Cincinnati	$391	$67
Nationwide	$435	$72

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Car Insurance Rates with An Accident in Lake Wilderness

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Wilderness

The cheapest car insurance companies after an at-fault accident in Lake Wilderness include AutoOwners Insurance Co and Virginia Farm Bureau, offering $220 and $220, respectively. Encompass is an expensive provider with an average six-month premium of $495.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$220	$37
Virginia Farm Bureau	$220	$37
American Family	$233	$39
Cincinnati	$281	$47
Farm Bureau	$287	$48
Travelers	$294	$49
Mercury	$324	$54
Electric	$391	$67
USAA	$551	$93
Erie	$612	$103
State Farm	$691	$116
Nationwide	$1169	$199
Progressive	$1554	$259
Allstate	$2006	$341
Encompass	$495	$84

Lake Wilderness Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Wilderness VA. For example, the car insurance in Lake Wilderness after a DUI increases to $966 for a six month policy. While the rate increases by $202 for a six-month policy in the case of a speeding ticket.

Lake Wilderness auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$967	$161
One Med/PIP claim	$967	$165
Not-at-fault accident	$1003	$167
Two Med/PIP claims	$1034	$176
One comp claim	$1046	$174
Two comp claims	$1095	$186
Failure to show documents	$1101	$183
Driving without lights	$1120	$191
Child safety restraint	$1126	$187
Driving with expired registration	$1138	$194
Failure to wear a seat belt	$1151	$192
Cell phone violation	$1163	$198
Driving too slowly	$1163	$194
Failure to yield	$1163	$198
Speeding in school zone	$1163	$194
Texting while driving	$1163	$198
Wrong way/wrong lane	$1163	$194
Failure to stop at a red light	$1169	$199
Following too closely	$1169	$195
Illegal turn	$1169	$199
Improper passing	$1169	$195
Speeding 6 - 10 MPH over limit	$1169	$199
Speeding 16 - 20 MPH over limit	$1180	$197
Speeding 11 - 15 MPH over limit	$1187	$202
Passing school bus	$1224	$204
In 65 MPH zone	$1267	$215
Open container	$1284	$214
Speeding 21 - 25 MPH over limit	$1284	$218
At-fault accident - less than $1000	$1321	$220
Operating a vehicle without permission	$1419	$241
At-fault accident - $1000-$2000	$1438	$240
At-fault accident - greater than $2000	$1438	$244
Reckless driving	$1750	$291
Racing	$1879	$319
DUI	$1933	$322
Refusal to submit to a chemical test	$1933	$329
Driving with a suspended license	$2031	$339
Leaving scene of an accident/hit and run	$2031	$345

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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 Lake Wilderness 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 Lake Wilderness.

The cheapest car insurance premiums in Lake Wilderness are offered by Virginia Farm Bureau at $196 for a six-month policy. However, it can be as expensive as $1683 with companies like Allstate.

Lake Wilderness car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$196	$33
Mercury	$220	$37
Farm Bureau	$251	$42
Travelers	$324	$55
American Family	$349	$58
Auto-Owners Insurance Co	$379	$65
State Farm	$741	$125
USAA	$832	$140
Progressive	$1273	$212
Erie	$1303	$221
Nationwide	$1432	$239
Allstate	$1683	$286

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 Lake Wilderness are offered by Mercury at $227. However, it can be as expensive as $306 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Lake Wilderness after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$227	$38
Virginia Farm Bureau	$233	$39
American Family	$239	$40
Auto-Owners Insurance Co	$245	$41
Cincinnati	$245	$41
Travelers	$263	$44
Erie	$287	$48
State Farm	$306	$52

Car Insurance Price Trends in Lake Wilderness, Virginia

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

The average cost of full coverage in the Lake Wilderness rose by $93 in December compared to $90 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 Lake Wilderness rose to $47 in December, compared to $45 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 Lake Wilderness?

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

What is the cheapest car insurance in Lake Wilderness?

The cheapest car insurance in Lake Wilderness is $65 per month for full coverage.

How much is car insurance in Lake Wilderness for teenagers?

Car insurance for teenagers costs $159 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 Lake Wilderness?

The average cost of car insurance is $638 for a six-month policy. It will cost around $110 per month to insure your car in Lake Wilderness.

Is car insurance expensive in Lake Wilderness?

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

Cheapest Car Insurance Quotes in Lake Wilderness

Why you can trust Way?

How Much Is Car Insurance in Lake Wilderness

Avg. Car Insurance in Lake Wilderness

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Lake Wilderness

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Lake Wilderness Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Wilderness, VA

Way's key takeaways about car insurance in Lake Wilderness

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Wilderness

Cheapest Liability Coverage in Lake Wilderness, VA

Cheapest Full Coverage Car Insurance in Lake Wilderness

Cheapest Full Coverage Car Insurance Quotes in Lake Wilderness, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Wilderness by Rating Factor

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

Car Insurance Premiums by Age in Lake Wilderness

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Wilderness,VA

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

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 Lake Wilderness

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Wilderness

Lake Wilderness Car Insurance Rates by Violation

Lake Wilderness auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Wilderness after a DUI

Lake Wilderness car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Wilderness after Speeding ticket

Car Insurance Price Trends in Lake Wilderness, Virginia

Average Car Insurance Cost in Lake Wilderness by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Wilderness, VA

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

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