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Cheapest Car Insurance Quotes in Pocahontas

  • Finding the cheapest car insurance quotes in Pocahontas shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
  • We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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406,175 Policies Sold
Pocahontas Car Insurance
$ 25

/mo

Sara Sam
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.

How Much Is Car Insurance in Pocahontas

The car insurance rate in Pocahontas is $702 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, making it a popular choice for budget-conscious drivers. Rates in Pocahontas 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 Pocahontas

$702

National Average

$1278

Cheapest Car Insurance Companies in Pocahontas

1st place: Virginia Farm Bureau

At $361 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 $442 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 $448 for six months, making it the third cheapest auto insurance company in Pocahontas.

Pocahontas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pocahontas, VA is Virginia Farm Bureau, offering policies at just $361 for a six-month term. This is followed by American Family, which has an average six-month premium of $442.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1507 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pocahontas drivers find the best deals.

Cheap Car Insurance Companies in Pocahontas, VA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Virginia Farm Bureau $361 $62
American Family $442 $74
Auto-Owners Insurance Co $448 $76
Cincinnati $454 $75
Travelers $606 $102
Erie $612 $103
USAA $658 $111
Farm Bureau $687 $116
Nationwide $687 $116
Mercury $762 $128
State Farm $826 $139
Progressive $1083 $182
Allstate $1507 $254
Key Takeaways

Way's key takeaways about car insurance in Pocahontas

  • The auto insurance costs in Pocahontas fall around $361 for six months. 
  • The cheapest auto insurance company in Pocahontas is Virginia Farm Bureau.
  • Teen drivers pay the highest rate in Pocahontas at $863 per month.

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Cheapest Minimum Liability Car Insurance in Pocahontas

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 Pocahontas are given below. 

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Pocahontas. Their Average 6 Month Premium is $151. Nationwide is the most expensive at $675 for the same period. 

Cheapest Liability Coverage in Pocahontas, VA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Virginia Farm Bureau $151 $25
American Family $169 $28
Cincinnati $204 $34
Auto-Owners Insurance Co $227 $38
Mercury $233 $39
Travelers $239 $40
USAA $250 $42
Farm Bureau $256 $43
Erie $285 $48
State Farm $361 $61
Progressive $530 $89
Allstate $634 $107
Nationwide $675 $114

Cheapest Full Coverage Car Insurance in Pocahontas

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 Pocahontas is Virginia Farm Bureau at $62 per month and $361 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Pocahontas, VA

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Virginia Farm Bureau $361 $62
American Family $442 $74
Auto-Owners Insurance Co $448 $76
Cincinnati $454 $75
Travelers $606 $102
Erie $612 $103
USAA $658 $111
Farm Bureau $687 $116
Nationwide $687 $116
Mercury $762 $128
State Farm $826 $139
Progressive $1083 $182
Allstate $1507 $254

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Average Car Insurance in Pocahontas 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 Pocahontas, VA increasing?

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

Car Insurance Premiums by Age in Pocahontas

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 $643
30s Virginia Farm Bureau $484
40s USAA $452
50s USAA $424
60s USAA $447
70s USAA $708

Cheapest Car Insurance Rates for Teen Drivers in Pocahontas,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 Pocahontas at $25 per month. At $5128 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 $151 $25
Mercury $204 $34
American Family $221 $37
Auto-Owners Insurance Co $262 $44
Travelers $762 $128
Farm Bureau $798 $134
Erie $1095 $184
USAA $1287 $217
State Farm $2410 $406
Nationwide $3702 $623
Allstate $3720 $626
Progressive $5128 $863

Teen Car Insurance Rates in VA by Age

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Way Tip

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

As young drivers face the highest rates in Pocahontas, USAA offers the cheapest auto insurance rates at $643 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 Pocahontas, Mercury is the cheapest car insurance provider. At $216 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 Pocahontas is State Farm, offering rates of around $4011 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $216 $36
Virginia Farm Bureau $227 $38
Cincinnati $372 $62
Travelers $768 $129
Nationwide $1059 $178
USAA $1101 $187
Farm Bureau $1257 $210
Erie $1729 $294
Progressive $2095 $349
Allstate $2287 $389
State Farm $4011 $668

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Car Insurance Rates with An Accident in Pocahontas

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

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

The cheapest car insurance companies after an at-fault accident in Pocahontas include AutoOwners Insurance Co and Virginia Farm Bureau, offering $210 and $210, respectively. Encompass is an expensive provider with an average six-month premium of $471.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Auto-Owners Insurance Co $210 $35
Virginia Farm Bureau $210 $35
American Family $221 $37
Cincinnati $268 $45
Mercury $309 $51
Electric $372 $64
Travelers $442 $74
Farm Bureau $547 $92
USAA $617 $104
Erie $722 $122
State Farm $751 $126
Nationwide $1543 $260
Progressive $1746 $294
Allstate $3225 $543
Encompass $471 $80

Pocahontas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pocahontas VA. For example, the car insurance in Pocahontas after a DUI increases to $919 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.  

Pocahontas auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $920 $153
One Med/PIP claim $920 $157
Not-at-fault accident $955 $159
Two Med/PIP claims $984 $168
One comp claim $996 $166
Two comp claims $1042 $177
Failure to show documents $1048 $174
Driving without lights $1065 $181
Child safety restraint $1071 $178
Driving with expired registration $1083 $184
Failure to wear a seat belt $1095 $182
Cell phone violation $1106 $188
Driving too slowly $1106 $184
Failure to yield $1106 $188
Speeding in school zone $1106 $184
Texting while driving $1106 $188
Wrong way/wrong lane $1106 $184
Failure to stop at a red light $1112 $189
Following too closely $1112 $185
Illegal turn $1112 $189
Improper passing $1112 $185
Speeding 6 - 10 MPH over limit $1112 $189
Speeding 16 - 20 MPH over limit $1123 $187
Speeding 11 - 15 MPH over limit $1129 $192
Passing school bus $1164 $194
In 65 MPH zone $1205 $205
Open container $1222 $204
Speeding 21 - 25 MPH over limit $1222 $208
At-fault accident - less than $1000 $1257 $210
Operating a vehicle without permission $1350 $229
At-fault accident - $1000-$2000 $1368 $228
At-fault accident - greater than $2000 $1368 $232
Reckless driving $1665 $277
Racing $1788 $304
DUI $1839 $307
Refusal to submit to a chemical test $1839 $313
Driving with a suspended license $1933 $322
Leaving scene of an accident/hit and run $1933 $328

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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 Pocahontas 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 Pocahontas.

The cheapest car insurance premiums in Pocahontas are offered by Virginia Farm Bureau at $186 for a six-month policy. However, it can be as expensive as $2194 with companies like Allstate.

Pocahontas car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Virginia Farm Bureau $186 $31
Mercury $210 $35
American Family $332 $55
Auto-Owners Insurance Co $361 $62
Travelers $553 $93
Farm Bureau $570 $96
USAA $931 $157
State Farm $1188 $200
Erie $1397 $235
Progressive $1496 $252
Nationwide $1980 $333
Allstate $2194 $369

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 Pocahontas are offered by Mercury at $216. However, it can be as expensive as $2410 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pocahontas after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $216 $36
Virginia Farm Bureau $221 $37
American Family $227 $38
Auto-Owners Insurance Co $233 $39
Cincinnati $233 $39
Travelers $460 $77
Erie $559 $94
State Farm $699 $118
USAA $757 $128
Farm Bureau $815 $136
Nationwide $1612 $274
Progressive $1694 $282
Allstate $2410 $410

Car Insurance Price Trends in Pocahontas, Virginia

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

The average cost of full coverage in the Pocahontas rose by $161 in January compared to $88 of December. In other words, there has been an increase by $73 when you compare January and December.

The average cost of liability insurance in the Pocahontas rose to $54 in January, compared to $45 in December. This represents an increase of $9 when comparing January and December.


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Frequently Asked Questions

How much is car insurance in Pocahontas?

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

What is the cheapest car insurance in Pocahontas?

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The cheapest car insurance in Pocahontas is $62 per month for full coverage.

How much is car insurance in Pocahontas for teenagers?

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Car insurance for teenagers costs $151 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 Pocahontas?

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The average cost of car insurance is $716 for a six-month policy. It will cost around $118 per month to insure your car in Pocahontas.

Is car insurance expensive in Pocahontas?

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

What is the best car insurance in Pocahontas, VA?

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The best car insurance company in Pocahontas VA is Virginia Farm Bureau, offering $361 for a six-month policy.

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