Cheapest Car Insurance Quotes in Lynchburg

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Lynchburg 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 Lynchburg

The car insurance rate in Lynchburg is $680 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Lynchburg 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 Lynchburg

$680

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Lynchburg

1st place: Virginia Farm Bureau

At $350 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 $428 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 $434 for six months, making it the third cheapest auto insurance company in Lynchburg.

Lynchburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lynchburg, VA is Virginia Farm Bureau, offering policies at just $350 for a six-month term. This is followed by American Family, which has an average six-month premium of $428.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lynchburg drivers find the best deals.

Cheap Car Insurance Companies in Lynchburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$350	$60
American Family	$428	$71
Auto-Owners Insurance Co	$434	$74
Cincinnati	$440	$73
Travelers	$587	$99
Erie	$593	$100
USAA	$637	$107
Farm Bureau	$666	$112
Nationwide	$666	$112
Mercury	$739	$124
State Farm	$801	$135
Progressive	$1050	$177
Allstate	$1461	$246

Key Takeaways

Way's key takeaways about car insurance in Lynchburg

The auto insurance costs in Lynchburg fall around $350 for six months.
The cheapest auto insurance company in Lynchburg is Virginia Farm Bureau.
Teen drivers pay the highest rate in Lynchburg at $837 per month.

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

Cheapest Minimum Liability Car Insurance in Lynchburg

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 Lynchburg are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Lynchburg. Their Average 6 Month Premium is $146. Nationwide is the most expensive at $655 for the same period.

Cheapest Liability Coverage in Lynchburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$146	$25
American Family	$163	$28
Cincinnati	$198	$33
Auto-Owners Insurance Co	$220	$37
Mercury	$226	$38
Travelers	$232	$39
USAA	$242	$41
Farm Bureau	$248	$42
Erie	$276	$47
State Farm	$350	$59
Progressive	$514	$86
Allstate	$615	$104
Nationwide	$655	$110

Cheapest Full Coverage Car Insurance in Lynchburg

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 Lynchburg is Virginia Farm Bureau at $60 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lynchburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$350	$60
American Family	$428	$71
Auto-Owners Insurance Co	$434	$74
Cincinnati	$440	$73
Travelers	$587	$99
Erie	$593	$100
USAA	$637	$107
Farm Bureau	$666	$112
Nationwide	$666	$112
Mercury	$739	$124
State Farm	$801	$135
Progressive	$1050	$177
Allstate	$1461	$246

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Average Car Insurance in Lynchburg 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 Lynchburg, VA increasing?

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

Car Insurance Premiums by Age in Lynchburg

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	$623
30s	Virginia Farm Bureau	$469
40s	USAA	$438
50s	USAA	$411
60s	USAA	$433
70s	USAA	$686

Cheapest Car Insurance Rates for Teen Drivers in Lynchburg,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 Lynchburg at $25 per month. At $4971 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	$146	$25
Mercury	$198	$33
American Family	$215	$36
Auto-Owners Insurance Co	$254	$43
Travelers	$739	$124
Farm Bureau	$773	$130
Erie	$1061	$179
USAA	$1247	$210
State Farm	$2336	$393
Nationwide	$3589	$604
Allstate	$3606	$607
Progressive	$4971	$837

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 Lynchburg.

As young drivers face the highest rates in Lynchburg, USAA offers the cheapest auto insurance rates at $623 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 Lynchburg, Mercury is the cheapest car insurance provider. At $209 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 Lynchburg is State Farm, offering rates of around $3888 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Virginia Farm Bureau	$220	$37
Cincinnati	$361	$60
Travelers	$745	$125
Nationwide	$1027	$173
USAA	$1067	$181
Farm Bureau	$1219	$203
Erie	$1676	$285
Progressive	$2031	$338
Allstate	$2217	$377
State Farm	$3888	$648

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Car Insurance Rates with An Accident in Lynchburg

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

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

The cheapest car insurance companies after an at-fault accident in Lynchburg include AutoOwners Insurance Co and Virginia Farm Bureau, offering $203 and $203, respectively. Encompass is an expensive provider with an average six-month premium of $457.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$203	$34
Virginia Farm Bureau	$203	$34
American Family	$215	$36
Cincinnati	$259	$44
Mercury	$299	$49
Electric	$361	$62
Travelers	$428	$72
Farm Bureau	$530	$89
USAA	$599	$101
Erie	$700	$118
State Farm	$728	$123
Nationwide	$1495	$252
Progressive	$1693	$285
Allstate	$3126	$526
Encompass	$457	$78

Lynchburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lynchburg VA. For example, the car insurance in Lynchburg after a DUI increases to $891 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Lynchburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$892	$148
One Med/PIP claim	$892	$152
Not-at-fault accident	$925	$154
Two Med/PIP claims	$954	$162
One comp claim	$965	$161
Two comp claims	$1010	$172
Failure to show documents	$1016	$169
Driving without lights	$1033	$176
Child safety restraint	$1038	$173
Driving with expired registration	$1050	$179
Failure to wear a seat belt	$1061	$177
Cell phone violation	$1073	$182
Driving too slowly	$1073	$179
Failure to yield	$1073	$182
Speeding in school zone	$1073	$179
Texting while driving	$1073	$182
Wrong way/wrong lane	$1073	$179
Failure to stop at a red light	$1078	$183
Following too closely	$1078	$180
Illegal turn	$1078	$183
Improper passing	$1078	$180
Speeding 6 - 10 MPH over limit	$1078	$183
Speeding 16 - 20 MPH over limit	$1089	$181
Speeding 11 - 15 MPH over limit	$1094	$186
Passing school bus	$1129	$188
In 65 MPH zone	$1169	$199
Open container	$1185	$198
Speeding 21 - 25 MPH over limit	$1185	$201
At-fault accident - less than $1000	$1219	$203
Operating a vehicle without permission	$1309	$222
At-fault accident - $1000-$2000	$1326	$221
At-fault accident - greater than $2000	$1326	$225
Reckless driving	$1614	$269
Racing	$1733	$295
DUI	$1783	$297
Refusal to submit to a chemical test	$1783	$303
Driving with a suspended license	$1873	$313
Leaving scene of an accident/hit and run	$1873	$318

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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 Lynchburg 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 Lynchburg.

The cheapest car insurance premiums in Lynchburg are offered by Virginia Farm Bureau at $181 for a six-month policy. However, it can be as expensive as $2127 with companies like Allstate.

Lynchburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$181	$30
Mercury	$203	$34
American Family	$322	$53
Auto-Owners Insurance Co	$350	$60
Travelers	$536	$90
Farm Bureau	$553	$93
USAA	$903	$152
State Farm	$1151	$194
Erie	$1355	$228
Progressive	$1451	$244
Nationwide	$1919	$323
Allstate	$2127	$358

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 Lynchburg are offered by Mercury at $209. However, it can be as expensive as $2336 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lynchburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$209	$35
Virginia Farm Bureau	$215	$36
American Family	$220	$37
Auto-Owners Insurance Co	$226	$38
Cincinnati	$226	$38
Travelers	$446	$75
Erie	$542	$91
State Farm	$677	$114
USAA	$733	$124
Farm Bureau	$790	$132
Nationwide	$1563	$266
Progressive	$1643	$274
Allstate	$2336	$397

Car Insurance Price Trends in Lynchburg, Virginia

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

The average cost of full coverage in the Lynchburg rose by $156 in January compared to $86 of December. In other words, there has been an increase by $70 when you compare January and December.

The average cost of liability insurance in the Lynchburg rose to $52 in January, compared to $44 in December. This represents an increase of $8 when comparing January and December.

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Average Car Insurance Cost in Lynchburg by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Lynchburg. At $979 for a six-month policy, insuring your car at 24502 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
24502	$979	$164
24501	$863	$144
24504	$741	$124
24503	$802	$134

Frequently Asked Questions

How much is car insurance in Lynchburg?

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

What is the cheapest car insurance in Lynchburg?

The cheapest car insurance in Lynchburg is $60 per month for full coverage.

How much is car insurance in Lynchburg for teenagers?

Car insurance for teenagers costs $146 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 Lynchburg?

The average cost of car insurance is $716 for a six-month policy. It will cost around $114 per month to insure your car in Lynchburg.

Is car insurance expensive in Lynchburg?

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

Cheapest Car Insurance Quotes in Lynchburg

Why you can trust Way?

How Much Is Car Insurance in Lynchburg

Avg. Car Insurance in Lynchburg

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Lynchburg

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Lynchburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Lynchburg, VA

Way's key takeaways about car insurance in Lynchburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lynchburg

Cheapest Liability Coverage in Lynchburg, VA

Cheapest Full Coverage Car Insurance in Lynchburg

Cheapest Full Coverage Car Insurance Quotes in Lynchburg, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lynchburg by Rating Factor

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

Car Insurance Premiums by Age in Lynchburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lynchburg,VA

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

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 Lynchburg

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

Lynchburg Car Insurance Rates by Violation

Lynchburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lynchburg after a DUI

Lynchburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lynchburg after Speeding ticket

Car Insurance Price Trends in Lynchburg, Virginia

Average Car Insurance Cost in Lynchburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lynchburg, VA

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

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