Cheapest Car Insurance Quotes in Merrimac

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Merrimac Car Insurance

^$ 21

/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 Merrimac

The car insurance rate in Merrimac is $587 for a six-month policy, which is $129 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $302, making it a popular choice for budget-conscious drivers. Rates in Merrimac 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 Merrimac

$587

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Merrimac

1st place: Virginia Farm Bureau

At $302 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 $370 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 $375 for six months, making it the third cheapest auto insurance company in Merrimac.

Merrimac Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merrimac, VA is Virginia Farm Bureau, offering policies at just $302 for a six-month term. This is followed by American Family, which has an average six-month premium of $370.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merrimac drivers find the best deals.

Cheap Car Insurance Companies in Merrimac, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$302	$52
American Family	$370	$61
Auto-Owners Insurance Co	$375	$64
Cincinnati	$380	$63
Travelers	$507	$85
Erie	$512	$86
USAA	$550	$93
Farm Bureau	$575	$97
Nationwide	$575	$97
Mercury	$638	$107
State Farm	$691	$116
Progressive	$906	$153
Allstate	$1261	$212

Key Takeaways

Way's key takeaways about car insurance in Merrimac

The auto insurance costs in Merrimac fall around $302 for six months.
The cheapest auto insurance company in Merrimac is Virginia Farm Bureau.
Teen drivers pay the highest rate in Merrimac at $722 per month.

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Cheapest Minimum Liability Car Insurance in Merrimac

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 Merrimac are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Merrimac. Their Average 6 Month Premium is $126. Nationwide is the most expensive at $565 for the same period.

Cheapest Liability Coverage in Merrimac, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$126	$21
American Family	$141	$24
Cincinnati	$171	$29
Auto-Owners Insurance Co	$190	$32
Mercury	$195	$33
Travelers	$200	$34
USAA	$209	$35
Farm Bureau	$214	$36
Erie	$239	$40
State Farm	$302	$51
Progressive	$444	$75
Allstate	$531	$89
Nationwide	$565	$95

Cheapest Full Coverage Car Insurance in Merrimac

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 Merrimac is Virginia Farm Bureau at $52 per month and $302 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merrimac, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$302	$52
American Family	$370	$61
Auto-Owners Insurance Co	$375	$64
Cincinnati	$380	$63
Travelers	$507	$85
Erie	$512	$86
USAA	$550	$93
Farm Bureau	$575	$97
Nationwide	$575	$97
Mercury	$638	$107
State Farm	$691	$116
Progressive	$906	$153
Allstate	$1261	$212

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Average Car Insurance in Merrimac 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 Merrimac, VA increasing?

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

Car Insurance Premiums by Age in Merrimac

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	$538
30s	Virginia Farm Bureau	$405
40s	USAA	$378
50s	USAA	$355
60s	USAA	$374
70s	USAA	$592

Cheapest Car Insurance Rates for Teen Drivers in Merrimac,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 Merrimac at $21 per month. At $4291 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	$126	$21
Mercury	$171	$29
American Family	$185	$31
Auto-Owners Insurance Co	$219	$37
Travelers	$638	$107
Farm Bureau	$667	$112
Erie	$916	$154
USAA	$1077	$181
State Farm	$2016	$339
Nationwide	$3098	$522
Allstate	$3113	$524
Progressive	$4291	$722

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 Merrimac.

As young drivers face the highest rates in Merrimac, USAA offers the cheapest auto insurance rates at $538 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 Merrimac, Mercury is the cheapest car insurance provider. At $180 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 Merrimac is State Farm, offering rates of around $3356 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$180	$30
Virginia Farm Bureau	$190	$32
Cincinnati	$312	$52
Travelers	$643	$108
Nationwide	$886	$149
USAA	$921	$157
Farm Bureau	$1052	$175
Erie	$1446	$246
Progressive	$1753	$292
Allstate	$1914	$326
State Farm	$3356	$559

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Car Insurance Rates with An Accident in Merrimac

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

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

The cheapest car insurance companies after an at-fault accident in Merrimac include AutoOwners Insurance Co and Virginia Farm Bureau, offering $175 and $175, respectively. Encompass is an expensive provider with an average six-month premium of $394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$175	$30
Virginia Farm Bureau	$175	$30
American Family	$185	$31
Cincinnati	$224	$38
Mercury	$258	$43
Electric	$312	$53
Travelers	$370	$62
Farm Bureau	$458	$77
USAA	$517	$87
Erie	$604	$102
State Farm	$628	$106
Nationwide	$1291	$217
Progressive	$1461	$246
Allstate	$2699	$454
Encompass	$394	$67

Merrimac Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merrimac VA. For example, the car insurance in Merrimac after a DUI increases to $769 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Merrimac auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$770	$128
One Med/PIP claim	$770	$131
Not-at-fault accident	$799	$133
Two Med/PIP claims	$823	$140
One comp claim	$833	$139
Two comp claims	$872	$148
Failure to show documents	$877	$146
Driving without lights	$891	$152
Child safety restraint	$896	$149
Driving with expired registration	$906	$154
Failure to wear a seat belt	$916	$153
Cell phone violation	$926	$157
Driving too slowly	$926	$154
Failure to yield	$926	$157
Speeding in school zone	$926	$154
Texting while driving	$926	$157
Wrong way/wrong lane	$926	$154
Failure to stop at a red light	$931	$158
Following too closely	$931	$155
Illegal turn	$931	$158
Improper passing	$931	$155
Speeding 6 - 10 MPH over limit	$931	$158
Speeding 16 - 20 MPH over limit	$940	$157
Speeding 11 - 15 MPH over limit	$945	$161
Passing school bus	$974	$162
In 65 MPH zone	$1009	$171
Open container	$1023	$171
Speeding 21 - 25 MPH over limit	$1023	$174
At-fault accident - less than $1000	$1052	$175
Operating a vehicle without permission	$1130	$192
At-fault accident - $1000-$2000	$1145	$191
At-fault accident - greater than $2000	$1145	$194
Reckless driving	$1393	$232
Racing	$1496	$254
DUI	$1539	$257
Refusal to submit to a chemical test	$1539	$262
Driving with a suspended license	$1617	$270
Leaving scene of an accident/hit and run	$1617	$275

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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 Merrimac 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 Merrimac.

The cheapest car insurance premiums in Merrimac are offered by Virginia Farm Bureau at $156 for a six-month policy. However, it can be as expensive as $1836 with companies like Allstate.

Merrimac car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$156	$26
Mercury	$175	$30
American Family	$278	$46
Auto-Owners Insurance Co	$302	$52
Travelers	$462	$78
Farm Bureau	$477	$80
USAA	$779	$131
State Farm	$994	$167
Erie	$1169	$197
Progressive	$1252	$211
Nationwide	$1656	$279
Allstate	$1836	$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 Merrimac are offered by Mercury at $180. However, it can be as expensive as $2016 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Merrimac after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$180	$30
Virginia Farm Bureau	$185	$31
American Family	$190	$32
Auto-Owners Insurance Co	$195	$33
Cincinnati	$195	$33
Travelers	$385	$65
Erie	$467	$79
State Farm	$585	$98
USAA	$633	$107
Farm Bureau	$682	$114
Nationwide	$1349	$230
Progressive	$1418	$236
Allstate	$2016	$343

Car Insurance Price Trends in Merrimac, Virginia

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

The average cost of full coverage in the Merrimac rose by $134 in January compared to $74 of December. In other words, there has been an increase by $60 when you compare January and December.

The average cost of liability insurance in the Merrimac rose to $45 in January, compared to $38 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Merrimac?

The car insurance in Merrimac is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Merrimac?

The cheapest car insurance in Merrimac is $52 per month for full coverage.

How much is car insurance in Merrimac for teenagers?

Car insurance for teenagers costs $126 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 Merrimac?

The average cost of car insurance is $716 for a six-month policy. It will cost around $98 per month to insure your car in Merrimac.

Is car insurance expensive in Merrimac?

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

Cheapest Car Insurance Quotes in Merrimac

Why you can trust Way?

How Much Is Car Insurance in Merrimac

Avg. Car Insurance in Merrimac

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Merrimac

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Merrimac Car Insurance Rates by Company

Cheap Car Insurance Companies in Merrimac, VA

Way's key takeaways about car insurance in Merrimac

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merrimac

Cheapest Liability Coverage in Merrimac, VA

Cheapest Full Coverage Car Insurance in Merrimac

Cheapest Full Coverage Car Insurance Quotes in Merrimac, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merrimac by Rating Factor

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

Car Insurance Premiums by Age in Merrimac

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merrimac,VA

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

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 Merrimac

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

Merrimac Car Insurance Rates by Violation

Merrimac auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merrimac after a DUI

Merrimac car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merrimac after Speeding ticket

Car Insurance Price Trends in Merrimac, Virginia

Average Car Insurance Cost in Merrimac by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merrimac, VA

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

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Data Sources