Cheapest Car Insurance Quotes in Montclair

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Montclair Car Insurance

^$ 30

/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 Montclair

The car insurance rate in Montclair is $740 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Montclair 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 Montclair

$740

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Montclair

1st place: Virginia Farm Bureau

At $427 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 $523 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 $530 for six months, making it the third cheapest auto insurance company in Montclair.

Montclair Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Montclair, VA is Virginia Farm Bureau, offering policies at just $427 for a six-month term. This is followed by American Family, which has an average six-month premium of $523.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montclair drivers find the best deals.

Cheap Car Insurance Companies in Montclair, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$427	$73
American Family	$523	$87
Auto-Owners Insurance Co	$530	$90
Cincinnati	$537	$89
Nationwide	$607	$102
Erie	$647	$109
Travelers	$696	$117
State Farm	$738	$123
USAA	$799	$135
Farm Bureau	$862	$144
Mercury	$902	$152
Progressive	$1020	$171
Allstate	$1336	$227

Key Takeaways

Way's key takeaways about car insurance in Montclair

The auto insurance costs in Montclair fall around $427 for six months.
The cheapest auto insurance company in Montclair is Virginia Farm Bureau.
Teen drivers pay the highest rate in Montclair at $820 per month.

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Cheapest Minimum Liability Car Insurance in Montclair

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 Montclair are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Montclair. Their Average 6 Month Premium is $179. Nationwide is the most expensive at $579 for the same period.

Cheapest Liability Coverage in Montclair, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$179	$30
American Family	$200	$34
Cincinnati	$241	$41
Travelers	$262	$44
Auto-Owners Insurance Co	$269	$45
Mercury	$276	$46
Farm Bureau	$289	$49
USAA	$289	$49
Erie	$324	$55
State Farm	$351	$59
Progressive	$448	$74
Allstate	$579	$99
Nationwide	$579	$96

Cheapest Full Coverage Car Insurance in Montclair

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 Montclair is Virginia Farm Bureau at $73 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Montclair, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$427	$73
American Family	$523	$87
Auto-Owners Insurance Co	$530	$90
Cincinnati	$537	$89
Nationwide	$607	$102
Erie	$647	$109
Travelers	$696	$117
State Farm	$738	$123
USAA	$799	$135
Farm Bureau	$862	$144
Mercury	$902	$152
Progressive	$1020	$171
Allstate	$1336	$227

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Average Car Insurance in Montclair 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 Montclair, VA increasing?

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

Car Insurance Premiums by Age in Montclair

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	$754
30s	Virginia Farm Bureau	$568
40s	USAA	$530
50s	USAA	$498
60s	USAA	$523
70s	USAA	$831

Cheapest Car Insurance Rates for Teen Drivers in Montclair,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 Montclair at $30 per month. At $4920 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	$179	$30
Farm Bureau	$227	$38
Mercury	$241	$41
American Family	$262	$44
Travelers	$269	$45
Auto-Owners Insurance Co	$310	$52
Erie	$1041	$175
USAA	$1343	$226
State Farm	$2391	$403
Nationwide	$3025	$505
Allstate	$3514	$597
Progressive	$4920	$820

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 Montclair.

As young drivers face the highest rates in Montclair, USAA offers the cheapest auto insurance rates at $754 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 Montclair, Mercury is the cheapest car insurance provider. At $255 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 Montclair is Nationwide, offering rates of around $490 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Virginia Farm Bureau	$269	$45
Travelers	$413	$68
Cincinnati	$441	$75
Nationwide	$490	$81

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Car Insurance Rates with An Accident in Montclair

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

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

The cheapest car insurance companies after an at-fault accident in Montclair include AutoOwners Insurance Co and Virginia Farm Bureau, offering $248 and $248, respectively. Encompass is an expensive provider with an average six-month premium of $558.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$42
Virginia Farm Bureau	$248	$42
American Family	$262	$44
Cincinnati	$317	$53
Farm Bureau	$324	$55
Travelers	$331	$56
Mercury	$365	$60
Electric	$441	$75
USAA	$621	$104
Erie	$689	$116
State Farm	$778	$131
Nationwide	$1317	$224
Progressive	$1750	$291
Allstate	$2260	$384
Encompass	$558	$95

Montclair Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Montclair VA. For example, the car insurance in Montclair after a DUI increases to $1088 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Montclair auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1089	$186
Not-at-fault accident	$1130	$188
Two Med/PIP claims	$1165	$198
One comp claim	$1179	$196
Two comp claims	$1233	$210
Failure to show documents	$1240	$206
Driving without lights	$1261	$215
Child safety restraint	$1268	$211
Driving with expired registration	$1282	$218
Failure to wear a seat belt	$1296	$216
Cell phone violation	$1310	$223
Driving too slowly	$1310	$218
Failure to yield	$1310	$223
Speeding in school zone	$1310	$218
Texting while driving	$1310	$223
Wrong way/wrong lane	$1310	$218
Failure to stop at a red light	$1317	$224
Following too closely	$1317	$219
Illegal turn	$1317	$224
Improper passing	$1317	$219
Speeding 6 - 10 MPH over limit	$1317	$224
Speeding 16 - 20 MPH over limit	$1329	$222
Speeding 11 - 15 MPH over limit	$1336	$227
Passing school bus	$1378	$230
In 65 MPH zone	$1427	$242
Open container	$1447	$241
Speeding 21 - 25 MPH over limit	$1447	$246
At-fault accident - less than $1000	$1488	$248
Operating a vehicle without permission	$1598	$271
At-fault accident - $1000-$2000	$1619	$270
At-fault accident - greater than $2000	$1619	$275
Reckless driving	$1971	$328
Racing	$2116	$360
DUI	$2177	$363
Refusal to submit to a chemical test	$2177	$370
Driving with a suspended license	$2288	$382
Leaving scene of an accident/hit and run	$2288	$389

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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 Montclair 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 Montclair.

The cheapest car insurance premiums in Montclair are offered by Virginia Farm Bureau at $220 for a six-month policy. However, it can be as expensive as $1895 with companies like Allstate.

Montclair car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$220	$37
Mercury	$248	$42
Farm Bureau	$283	$48
Travelers	$365	$61
American Family	$393	$65
Auto-Owners Insurance Co	$427	$73
State Farm	$834	$140
USAA	$937	$158
Progressive	$1434	$239
Erie	$1467	$249
Nationwide	$1612	$269
Allstate	$1895	$322

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 Montclair are offered by Mercury at $255. However, it can be as expensive as $345 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Montclair after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Virginia Farm Bureau	$262	$44
American Family	$269	$45
Auto-Owners Insurance Co	$276	$46
Cincinnati	$276	$46
Travelers	$296	$50
Erie	$324	$55
State Farm	$345	$58

Car Insurance Price Trends in Montclair, Virginia

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

The average cost of full coverage in the Montclair rose by $104 in December compared to $101 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 Montclair rose to $53 in December, compared to $51 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 Montclair?

The car insurance in Montclair is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Montclair?

The cheapest car insurance in Montclair is $73 per month for full coverage.

How much is car insurance in Montclair for teenagers?

Car insurance for teenagers costs $179 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 Montclair?

The average cost of car insurance is $638 for a six-month policy. It will cost around $124 per month to insure your car in Montclair.

Is car insurance expensive in Montclair?

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

Cheapest Car Insurance Quotes in Montclair

Why you can trust Way?

How Much Is Car Insurance in Montclair

Avg. Car Insurance in Montclair

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Montclair

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Montclair Car Insurance Rates by Company

Cheap Car Insurance Companies in Montclair, VA

Way's key takeaways about car insurance in Montclair

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Montclair

Cheapest Liability Coverage in Montclair, VA

Cheapest Full Coverage Car Insurance in Montclair

Cheapest Full Coverage Car Insurance Quotes in Montclair, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Montclair by Rating Factor

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

Car Insurance Premiums by Age in Montclair

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Montclair,VA

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

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 Montclair

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

Montclair Car Insurance Rates by Violation

Montclair auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Montclair after a DUI

Montclair car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Montclair after Speeding ticket

Car Insurance Price Trends in Montclair, Virginia

Average Car Insurance Cost in Montclair by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Montclair, VA

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

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