Cheapest Car Insurance Quotes in Loudoun Valley Estates

Finding the cheapest car insurance quotes in Loudoun Valley Estates 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.
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Loudoun Valley Estates Car Insurance

^$ 28

/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 Loudoun Valley Estates

The car insurance rate in Loudoun Valley Estates is $676 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Loudoun Valley Estates 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 Loudoun Valley Estates

$676

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Loudoun Valley Estates

1st place: Virginia Farm Bureau

At $390 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 $478 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 $484 for six months, making it the third cheapest auto insurance company in Loudoun Valley Estates.

Loudoun Valley Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Loudoun Valley Estates, VA is Virginia Farm Bureau, offering policies at just $390 for a six-month term. This is followed by American Family, which has an average six-month premium of $478.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Loudoun Valley Estates drivers find the best deals.

Cheap Car Insurance Companies in Loudoun Valley Estates, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$390	$67
American Family	$478	$80
Auto-Owners Insurance Co	$484	$83
Cincinnati	$491	$82
Nationwide	$554	$93
Erie	$591	$100
Travelers	$636	$107
State Farm	$674	$112
USAA	$730	$123
Farm Bureau	$788	$131
Mercury	$825	$139
Progressive	$932	$156
Allstate	$1221	$208

Key Takeaways

Way's key takeaways about car insurance in Loudoun Valley Estates

The auto insurance costs in Loudoun Valley Estates fall around $390 for six months.
The cheapest auto insurance company in Loudoun Valley Estates is Virginia Farm Bureau.
Teen drivers pay the highest rate in Loudoun Valley Estates at $749 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 Loudoun Valley Estates

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 Loudoun Valley Estates are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Loudoun Valley Estates. Their Average 6 Month Premium is $163. Nationwide is the most expensive at $529 for the same period.

Cheapest Liability Coverage in Loudoun Valley Estates, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$163	$28
American Family	$182	$31
Cincinnati	$220	$37
Travelers	$240	$40
Auto-Owners Insurance Co	$246	$41
Mercury	$252	$42
Farm Bureau	$264	$45
USAA	$264	$45
Erie	$296	$50
State Farm	$321	$54
Progressive	$409	$68
Allstate	$529	$90
Nationwide	$529	$88

Cheapest Full Coverage Car Insurance in Loudoun Valley Estates

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 Loudoun Valley Estates is Virginia Farm Bureau at $67 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Loudoun Valley Estates, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$390	$67
American Family	$478	$80
Auto-Owners Insurance Co	$484	$83
Cincinnati	$491	$82
Nationwide	$554	$93
Erie	$591	$100
Travelers	$636	$107
State Farm	$674	$112
USAA	$730	$123
Farm Bureau	$788	$131
Mercury	$825	$139
Progressive	$932	$156
Allstate	$1221	$208

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Average Car Insurance in Loudoun Valley Estates 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 Loudoun Valley Estates, VA increasing?

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

Car Insurance Premiums by Age in Loudoun Valley Estates

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	$689
30s	Virginia Farm Bureau	$519
40s	USAA	$484
50s	USAA	$455
60s	USAA	$478
70s	USAA	$759

Cheapest Car Insurance Rates for Teen Drivers in Loudoun Valley Estates,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 Loudoun Valley Estates at $28 per month. At $4495 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	$163	$28
Farm Bureau	$208	$35
Mercury	$220	$37
American Family	$240	$40
Travelers	$246	$41
Auto-Owners Insurance Co	$283	$48
Erie	$951	$160
USAA	$1227	$207
State Farm	$2185	$368
Nationwide	$2764	$461
Allstate	$3211	$546
Progressive	$4495	$749

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 Loudoun Valley Estates.

As young drivers face the highest rates in Loudoun Valley Estates, USAA offers the cheapest auto insurance rates at $689 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 Loudoun Valley Estates, Mercury is the cheapest car insurance provider. At $233 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 Loudoun Valley Estates is Nationwide, offering rates of around $447 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Virginia Farm Bureau	$246	$41
Travelers	$377	$63
Cincinnati	$403	$69
Nationwide	$447	$74

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Loudoun Valley Estates.

Car Insurance Rates with An Accident in Loudoun Valley Estates

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 Loudoun Valley Estates, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Loudoun Valley Estates

The cheapest car insurance companies after an at-fault accident in Loudoun Valley Estates include AutoOwners Insurance Co and Virginia Farm Bureau, offering $227 and $227, respectively. Encompass is an expensive provider with an average six-month premium of $510.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$227	$38
Virginia Farm Bureau	$227	$38
American Family	$240	$40
Cincinnati	$289	$49
Farm Bureau	$296	$50
Travelers	$302	$51
Mercury	$334	$55
Electric	$403	$69
USAA	$567	$95
Erie	$630	$106
State Farm	$711	$120
Nationwide	$1203	$205
Progressive	$1600	$266
Allstate	$2065	$351
Encompass	$510	$87

Loudoun Valley Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Loudoun Valley Estates VA. For example, the car insurance in Loudoun Valley Estates after a DUI increases to $995 for a six month policy. While the rate increases by $208 for a six-month policy in the case of a speeding ticket.

Loudoun Valley Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$995	$165
One Med/PIP claim	$995	$170
Not-at-fault accident	$1032	$172
Two Med/PIP claims	$1064	$181
One comp claim	$1077	$179
Two comp claims	$1127	$192
Failure to show documents	$1133	$189
Driving without lights	$1152	$196
Child safety restraint	$1159	$193
Driving with expired registration	$1171	$199
Failure to wear a seat belt	$1184	$197
Cell phone violation	$1197	$204
Driving too slowly	$1197	$199
Failure to yield	$1197	$204
Speeding in school zone	$1197	$199
Texting while driving	$1197	$204
Wrong way/wrong lane	$1197	$199
Failure to stop at a red light	$1203	$205
Following too closely	$1203	$200
Illegal turn	$1203	$205
Improper passing	$1203	$200
Speeding 6 - 10 MPH over limit	$1203	$205
Speeding 16 - 20 MPH over limit	$1215	$202
Speeding 11 - 15 MPH over limit	$1221	$208
Passing school bus	$1259	$210
In 65 MPH zone	$1304	$222
Open container	$1322	$220
Speeding 21 - 25 MPH over limit	$1322	$225
At-fault accident - less than $1000	$1360	$227
Operating a vehicle without permission	$1461	$248
At-fault accident - $1000-$2000	$1480	$247
At-fault accident - greater than $2000	$1480	$251
Reckless driving	$1801	$300
Racing	$1933	$329
DUI	$1990	$332
Refusal to submit to a chemical test	$1990	$338
Driving with a suspended license	$2090	$349
Leaving scene of an accident/hit and run	$2090	$355

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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 Loudoun Valley Estates 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 Loudoun Valley Estates.

The cheapest car insurance premiums in Loudoun Valley Estates are offered by Virginia Farm Bureau at $201 for a six-month policy. However, it can be as expensive as $1732 with companies like Allstate.

Loudoun Valley Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$201	$34
Mercury	$227	$38
Farm Bureau	$259	$43
Travelers	$334	$56
American Family	$359	$59
Auto-Owners Insurance Co	$390	$67
State Farm	$762	$128
USAA	$856	$144
Progressive	$1310	$218
Erie	$1341	$228
Nationwide	$1473	$246
Allstate	$1732	$295

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 Loudoun Valley Estates are offered by Mercury at $233. However, it can be as expensive as $315 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Loudoun Valley Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$233	$39
Virginia Farm Bureau	$240	$40
American Family	$246	$41
Auto-Owners Insurance Co	$252	$42
Cincinnati	$252	$42
Travelers	$270	$46
Erie	$296	$50
State Farm	$315	$53

Car Insurance Price Trends in Loudoun Valley Estates, Virginia

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

The average cost of full coverage in the Loudoun Valley Estates rose by $95 in December compared to $92 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 Loudoun Valley Estates rose to $49 in December, compared to $47 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 Loudoun Valley Estates?

The car insurance in Loudoun Valley Estates is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Loudoun Valley Estates?

The cheapest car insurance in Loudoun Valley Estates is $67 per month for full coverage.

How much is car insurance in Loudoun Valley Estates for teenagers?

Car insurance for teenagers costs $163 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 Loudoun Valley Estates?

The average cost of car insurance is $638 for a six-month policy. It will cost around $113 per month to insure your car in Loudoun Valley Estates.

Is car insurance expensive in Loudoun Valley Estates?

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

Cheapest Car Insurance Quotes in Loudoun Valley Estates

Why you can trust Way?

How Much Is Car Insurance in Loudoun Valley Estates

Avg. Car Insurance in Loudoun Valley Estates

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Loudoun Valley Estates

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Loudoun Valley Estates Car Insurance Rates by Company

Cheap Car Insurance Companies in Loudoun Valley Estates, VA

Way's key takeaways about car insurance in Loudoun Valley Estates

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Loudoun Valley Estates

Cheapest Liability Coverage in Loudoun Valley Estates, VA

Cheapest Full Coverage Car Insurance in Loudoun Valley Estates

Cheapest Full Coverage Car Insurance Quotes in Loudoun Valley Estates, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Loudoun Valley Estates by Rating Factor

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

Car Insurance Premiums by Age in Loudoun Valley Estates

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Loudoun Valley Estates,VA

If you are in your twenties USAA is the best choice for car insurance in Loudoun Valley Estates.

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 Loudoun Valley Estates

Cheapest Car Insurance Companies after an At-Fault Accident in Loudoun Valley Estates

Loudoun Valley Estates Car Insurance Rates by Violation

Loudoun Valley Estates auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Loudoun Valley Estates after a DUI

Loudoun Valley Estates car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Loudoun Valley Estates after Speeding ticket

Car Insurance Price Trends in Loudoun Valley Estates, Virginia

Average Car Insurance Cost in Loudoun Valley Estates by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Loudoun Valley Estates, VA

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

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