Cheapest Car Insurance Quotes in Patrick Springs

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Patrick Springs Car Insurance

^$ 24

/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 Patrick Springs

The car insurance rate in Patrick Springs is $593 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Patrick Springs 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 Patrick Springs

$593

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Patrick Springs

1st place: Virginia Farm Bureau

At $342 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 $419 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 $425 for six months, making it the third cheapest auto insurance company in Patrick Springs.

Patrick Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Patrick Springs, VA is Virginia Farm Bureau, offering policies at just $342 for a six-month term. This is followed by American Family, which has an average six-month premium of $419.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Patrick Springs drivers find the best deals.

Cheap Car Insurance Companies in Patrick Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$342	$59
American Family	$419	$70
Auto-Owners Insurance Co	$425	$73
Cincinnati	$431	$72
Nationwide	$486	$82
Erie	$519	$87
Travelers	$558	$94
State Farm	$591	$99
USAA	$641	$108
Farm Bureau	$691	$115
Mercury	$724	$122
Progressive	$817	$137
Allstate	$1071	$182

Key Takeaways

Way's key takeaways about car insurance in Patrick Springs

The auto insurance costs in Patrick Springs fall around $342 for six months.
The cheapest auto insurance company in Patrick Springs is Virginia Farm Bureau.
Teen drivers pay the highest rate in Patrick Springs at $658 per month.

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

Cheapest Minimum Liability Car Insurance in Patrick Springs

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 Patrick Springs are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Patrick Springs. Their Average 6 Month Premium is $143. Nationwide is the most expensive at $464 for the same period.

Cheapest Liability Coverage in Patrick Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$143	$24
American Family	$160	$27
Cincinnati	$193	$33
Travelers	$210	$35
Auto-Owners Insurance Co	$216	$36
Mercury	$221	$37
Farm Bureau	$232	$39
USAA	$232	$39
Erie	$259	$44
State Farm	$282	$47
Progressive	$359	$60
Allstate	$464	$79
Nationwide	$464	$77

Cheapest Full Coverage Car Insurance in Patrick Springs

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 Patrick Springs is Virginia Farm Bureau at $59 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Patrick Springs, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$342	$59
American Family	$419	$70
Auto-Owners Insurance Co	$425	$73
Cincinnati	$431	$72
Nationwide	$486	$82
Erie	$519	$87
Travelers	$558	$94
State Farm	$591	$99
USAA	$641	$108
Farm Bureau	$691	$115
Mercury	$724	$122
Progressive	$817	$137
Allstate	$1071	$182

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Average Car Insurance in Patrick Springs 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 Patrick Springs, VA increasing?

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

Car Insurance Premiums by Age in Patrick Springs

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	$605
30s	Virginia Farm Bureau	$456
40s	USAA	$425
50s	USAA	$399
60s	USAA	$419
70s	USAA	$666

Cheapest Car Insurance Rates for Teen Drivers in Patrick Springs,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 Patrick Springs at $24 per month. At $3944 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	$143	$24
Farm Bureau	$182	$31
Mercury	$193	$33
American Family	$210	$35
Travelers	$216	$36
Auto-Owners Insurance Co	$248	$42
Erie	$834	$140
USAA	$1077	$181
State Farm	$1917	$323
Nationwide	$2425	$405
Allstate	$2817	$479
Progressive	$3944	$658

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 Patrick Springs.

As young drivers face the highest rates in Patrick Springs, USAA offers the cheapest auto insurance rates at $605 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 Patrick Springs, Mercury is the cheapest car insurance provider. At $205 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 Patrick Springs is Nationwide, offering rates of around $392 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$205	$34
Virginia Farm Bureau	$216	$36
Travelers	$331	$55
Cincinnati	$353	$60
Nationwide	$392	$65

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Car Insurance Rates with An Accident in Patrick Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Patrick Springs

The cheapest car insurance companies after an at-fault accident in Patrick Springs include AutoOwners Insurance Co and Virginia Farm Bureau, offering $199 and $199, respectively. Encompass is an expensive provider with an average six-month premium of $447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$199	$33
Virginia Farm Bureau	$199	$33
American Family	$210	$35
Cincinnati	$254	$43
Farm Bureau	$259	$44
Travelers	$265	$45
Mercury	$293	$48
Electric	$353	$60
USAA	$498	$84
Erie	$552	$93
State Farm	$624	$105
Nationwide	$1056	$179
Progressive	$1403	$233
Allstate	$1812	$308
Encompass	$447	$76

Patrick Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Patrick Springs VA. For example, the car insurance in Patrick Springs after a DUI increases to $873 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Patrick Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$873	$145
One Med/PIP claim	$873	$149
Not-at-fault accident	$906	$151
Two Med/PIP claims	$934	$159
One comp claim	$945	$157
Two comp claims	$989	$168
Failure to show documents	$994	$166
Driving without lights	$1011	$172
Child safety restraint	$1016	$169
Driving with expired registration	$1028	$175
Failure to wear a seat belt	$1039	$173
Cell phone violation	$1050	$179
Driving too slowly	$1050	$175
Failure to yield	$1050	$179
Speeding in school zone	$1050	$175
Texting while driving	$1050	$179
Wrong way/wrong lane	$1050	$175
Failure to stop at a red light	$1056	$179
Following too closely	$1056	$176
Illegal turn	$1056	$179
Improper passing	$1056	$176
Speeding 6 - 10 MPH over limit	$1056	$179
Speeding 16 - 20 MPH over limit	$1066	$178
Speeding 11 - 15 MPH over limit	$1071	$182
Passing school bus	$1105	$184
In 65 MPH zone	$1144	$194
Open container	$1160	$193
Speeding 21 - 25 MPH over limit	$1160	$197
At-fault accident - less than $1000	$1193	$199
Operating a vehicle without permission	$1282	$218
At-fault accident - $1000-$2000	$1298	$217
At-fault accident - greater than $2000	$1298	$220
Reckless driving	$1580	$263
Racing	$1696	$288
DUI	$1746	$291
Refusal to submit to a chemical test	$1746	$297
Driving with a suspended license	$1834	$306
Leaving scene of an accident/hit and run	$1834	$312

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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 Patrick Springs 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 Patrick Springs.

The cheapest car insurance premiums in Patrick Springs are offered by Virginia Farm Bureau at $177 for a six-month policy. However, it can be as expensive as $1520 with companies like Allstate.

Patrick Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$177	$30
Mercury	$199	$33
Farm Bureau	$227	$38
Travelers	$293	$49
American Family	$315	$52
Auto-Owners Insurance Co	$342	$59
State Farm	$669	$113
USAA	$751	$126
Progressive	$1149	$192
Erie	$1176	$200
Nationwide	$1293	$216
Allstate	$1520	$259

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 Patrick Springs are offered by Mercury at $205. However, it can be as expensive as $276 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Patrick Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$205	$34
Virginia Farm Bureau	$210	$35
American Family	$216	$36
Auto-Owners Insurance Co	$221	$37
Cincinnati	$221	$37
Travelers	$237	$40
Erie	$259	$44
State Farm	$276	$47

Car Insurance Price Trends in Patrick Springs, Virginia

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

The average cost of full coverage in the Patrick Springs rose by $84 in December compared to $81 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 Patrick Springs rose to $43 in December, compared to $41 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 Patrick Springs?

The car insurance in Patrick Springs is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Patrick Springs?

The cheapest car insurance in Patrick Springs is $59 per month for full coverage.

How much is car insurance in Patrick Springs for teenagers?

Car insurance for teenagers costs $143 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 Patrick Springs?

The average cost of car insurance is $638 for a six-month policy. It will cost around $100 per month to insure your car in Patrick Springs.

Is car insurance expensive in Patrick Springs?

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

Cheapest Car Insurance Quotes in Patrick Springs

Why you can trust Way?

How Much Is Car Insurance in Patrick Springs

Avg. Car Insurance in Patrick Springs

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Patrick Springs

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Patrick Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Patrick Springs, VA

Way's key takeaways about car insurance in Patrick Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Patrick Springs

Cheapest Liability Coverage in Patrick Springs, VA

Cheapest Full Coverage Car Insurance in Patrick Springs

Cheapest Full Coverage Car Insurance Quotes in Patrick Springs, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Patrick Springs by Rating Factor

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

Car Insurance Premiums by Age in Patrick Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Patrick Springs,VA

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

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 Patrick Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Patrick Springs

Patrick Springs Car Insurance Rates by Violation

Patrick Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Patrick Springs after a DUI

Patrick Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Patrick Springs after Speeding ticket

Car Insurance Price Trends in Patrick Springs, Virginia

Average Car Insurance Cost in Patrick Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Patrick Springs, VA

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

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