Cheapest Car Insurance Quotes in Lowes Island

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Lowes Island Car Insurance

^$ 29

/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 Lowes Island

The car insurance rate in Lowes Island is $708 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Lowes Island 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 Lowes Island

$708

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Lowes Island

1st place: Virginia Farm Bureau

At $408 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 $501 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 $507 for six months, making it the third cheapest auto insurance company in Lowes Island.

Lowes Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lowes Island, VA is Virginia Farm Bureau, offering policies at just $408 for a six-month term. This is followed by American Family, which has an average six-month premium of $501.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lowes Island drivers find the best deals.

Cheap Car Insurance Companies in Lowes Island, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$408	$70
American Family	$501	$83
Auto-Owners Insurance Co	$507	$87
Cincinnati	$514	$85
Nationwide	$581	$98
Erie	$619	$104
Travelers	$666	$112
State Farm	$706	$118
USAA	$765	$129
Farm Bureau	$825	$138
Mercury	$864	$145
Progressive	$976	$163
Allstate	$1279	$218

Key Takeaways

Way's key takeaways about car insurance in Lowes Island

The auto insurance costs in Lowes Island fall around $408 for six months.
The cheapest auto insurance company in Lowes Island is Virginia Farm Bureau.
Teen drivers pay the highest rate in Lowes Island at $785 per month.

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Cheapest Minimum Liability Car Insurance in Lowes Island

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 Lowes Island are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Lowes Island. Their Average 6 Month Premium is $171. Nationwide is the most expensive at $554 for the same period.

Cheapest Liability Coverage in Lowes Island, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$171	$29
American Family	$191	$32
Cincinnati	$231	$39
Travelers	$251	$42
Auto-Owners Insurance Co	$258	$43
Mercury	$264	$44
Farm Bureau	$276	$47
USAA	$276	$47
Erie	$310	$52
State Farm	$336	$57
Progressive	$428	$71
Allstate	$554	$94
Nationwide	$554	$92

Cheapest Full Coverage Car Insurance in Lowes Island

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 Lowes Island is Virginia Farm Bureau at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lowes Island, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$408	$70
American Family	$501	$83
Auto-Owners Insurance Co	$507	$87
Cincinnati	$514	$85
Nationwide	$581	$98
Erie	$619	$104
Travelers	$666	$112
State Farm	$706	$118
USAA	$765	$129
Farm Bureau	$825	$138
Mercury	$864	$145
Progressive	$976	$163
Allstate	$1279	$218

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Average Car Insurance in Lowes Island 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 Lowes Island, VA increasing?

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

Car Insurance Premiums by Age in Lowes Island

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	$722
30s	Virginia Farm Bureau	$544
40s	USAA	$507
50s	USAA	$476
60s	USAA	$501
70s	USAA	$795

Cheapest Car Insurance Rates for Teen Drivers in Lowes Island,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 Lowes Island at $29 per month. At $4708 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	$171	$29
Farm Bureau	$218	$37
Mercury	$231	$39
American Family	$251	$42
Travelers	$258	$43
Auto-Owners Insurance Co	$296	$50
Erie	$996	$168
USAA	$1285	$216
State Farm	$2288	$385
Nationwide	$2895	$483
Allstate	$3362	$572
Progressive	$4708	$785

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 Lowes Island.

As young drivers face the highest rates in Lowes Island, USAA offers the cheapest auto insurance rates at $722 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 Lowes Island, Mercury is the cheapest car insurance provider. At $244 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 Lowes Island is Nationwide, offering rates of around $468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
Virginia Farm Bureau	$258	$43
Travelers	$395	$65
Cincinnati	$422	$72
Nationwide	$468	$78

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Car Insurance Rates with An Accident in Lowes Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lowes Island

The cheapest car insurance companies after an at-fault accident in Lowes Island include AutoOwners Insurance Co and Virginia Farm Bureau, offering $238 and $238, respectively. Encompass is an expensive provider with an average six-month premium of $534.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Virginia Farm Bureau	$238	$40
American Family	$251	$42
Cincinnati	$303	$51
Farm Bureau	$310	$52
Travelers	$316	$53
Mercury	$350	$58
Electric	$422	$72
USAA	$594	$100
Erie	$659	$111
State Farm	$745	$125
Nationwide	$1260	$214
Progressive	$1675	$279
Allstate	$2162	$367
Encompass	$534	$91

Lowes Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lowes Island VA. For example, the car insurance in Lowes Island after a DUI increases to $1041 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Lowes Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$173
One Med/PIP claim	$1042	$178
Not-at-fault accident	$1081	$180
Two Med/PIP claims	$1114	$190
One comp claim	$1128	$188
Two comp claims	$1180	$201
Failure to show documents	$1187	$198
Driving without lights	$1207	$205
Child safety restraint	$1213	$202
Driving with expired registration	$1227	$209
Failure to wear a seat belt	$1240	$206
Cell phone violation	$1253	$213
Driving too slowly	$1253	$209
Failure to yield	$1253	$213
Speeding in school zone	$1253	$209
Texting while driving	$1253	$213
Wrong way/wrong lane	$1253	$209
Failure to stop at a red light	$1260	$214
Following too closely	$1260	$210
Illegal turn	$1260	$214
Improper passing	$1260	$210
Speeding 6 - 10 MPH over limit	$1260	$214
Speeding 16 - 20 MPH over limit	$1272	$212
Speeding 11 - 15 MPH over limit	$1279	$218
Passing school bus	$1319	$220
In 65 MPH zone	$1365	$232
Open container	$1384	$231
Speeding 21 - 25 MPH over limit	$1384	$235
At-fault accident - less than $1000	$1424	$238
Operating a vehicle without permission	$1530	$260
At-fault accident - $1000-$2000	$1550	$259
At-fault accident - greater than $2000	$1550	$263
Reckless driving	$1886	$314
Racing	$2025	$344
DUI	$2083	$347
Refusal to submit to a chemical test	$2083	$354
Driving with a suspended license	$2189	$365
Leaving scene of an accident/hit and run	$2189	$372

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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 Lowes Island 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 Lowes Island.

The cheapest car insurance premiums in Lowes Island are offered by Virginia Farm Bureau at $211 for a six-month policy. However, it can be as expensive as $1814 with companies like Allstate.

Lowes Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$211	$36
Mercury	$238	$40
Farm Bureau	$271	$46
Travelers	$350	$59
American Family	$376	$62
Auto-Owners Insurance Co	$408	$70
State Farm	$798	$134
USAA	$897	$151
Progressive	$1372	$229
Erie	$1404	$239
Nationwide	$1543	$258
Allstate	$1814	$309

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 Lowes Island are offered by Mercury at $244. However, it can be as expensive as $330 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Lowes Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$244	$41
Virginia Farm Bureau	$251	$42
American Family	$258	$43
Auto-Owners Insurance Co	$264	$44
Cincinnati	$264	$44
Travelers	$283	$48
Erie	$310	$52
State Farm	$330	$56

Car Insurance Price Trends in Lowes Island, Virginia

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

The average cost of full coverage in the Lowes Island rose by $100 in December compared to $97 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 Lowes Island rose to $51 in December, compared to $49 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 Lowes Island?

The car insurance in Lowes Island is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lowes Island?

The cheapest car insurance in Lowes Island is $70 per month for full coverage.

How much is car insurance in Lowes Island for teenagers?

Car insurance for teenagers costs $171 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 Lowes Island?

The average cost of car insurance is $638 for a six-month policy. It will cost around $119 per month to insure your car in Lowes Island.

Is car insurance expensive in Lowes Island?

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

Cheapest Car Insurance Quotes in Lowes Island

Why you can trust Way?

How Much Is Car Insurance in Lowes Island

Avg. Car Insurance in Lowes Island

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Lowes Island

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Lowes Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Lowes Island, VA

Way's key takeaways about car insurance in Lowes Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lowes Island

Cheapest Liability Coverage in Lowes Island, VA

Cheapest Full Coverage Car Insurance in Lowes Island

Cheapest Full Coverage Car Insurance Quotes in Lowes Island, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lowes Island by Rating Factor

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

Car Insurance Premiums by Age in Lowes Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lowes Island,VA

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

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 Lowes Island

Cheapest Car Insurance Companies after an At-Fault Accident in Lowes Island

Lowes Island Car Insurance Rates by Violation

Lowes Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lowes Island after a DUI

Lowes Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lowes Island after Speeding ticket

Car Insurance Price Trends in Lowes Island, Virginia

Average Car Insurance Cost in Lowes Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lowes Island, VA

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

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