Cheapest Car Insurance Quotes in Rustburg

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Rustburg 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 Rustburg

The car insurance rate in Rustburg is $612 for a six-month policy, which is $26 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Rustburg 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 Rustburg

$612

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Rustburg

1st place: Virginia Farm Bureau

At $353 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 $433 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 $439 for six months, making it the third cheapest auto insurance company in Rustburg.

Rustburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rustburg, VA is Virginia Farm Bureau, offering policies at just $353 for a six-month term. This is followed by American Family, which has an average six-month premium of $433.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1106 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rustburg drivers find the best deals.

Cheap Car Insurance Companies in Rustburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$353	$60
American Family	$433	$72
Auto-Owners Insurance Co	$439	$75
Cincinnati	$444	$74
Nationwide	$502	$84
Erie	$536	$90
Travelers	$576	$97
State Farm	$611	$102
USAA	$661	$111
Farm Bureau	$713	$119
Mercury	$747	$126
Progressive	$844	$141
Allstate	$1106	$188

Key Takeaways

Way's key takeaways about car insurance in Rustburg

The auto insurance costs in Rustburg fall around $353 for six months.
The cheapest auto insurance company in Rustburg is Virginia Farm Bureau.
Teen drivers pay the highest rate in Rustburg at $679 per month.

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

Cheapest Minimum Liability Car Insurance in Rustburg

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 Rustburg are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Rustburg. Their Average 6 Month Premium is $148. Nationwide is the most expensive at $479 for the same period.

Cheapest Liability Coverage in Rustburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$148	$25
American Family	$165	$28
Cincinnati	$200	$34
Travelers	$217	$36
Auto-Owners Insurance Co	$223	$37
Mercury	$228	$38
Farm Bureau	$239	$40
USAA	$239	$40
Erie	$268	$45
State Farm	$291	$49
Progressive	$371	$61
Allstate	$479	$82
Nationwide	$479	$80

Cheapest Full Coverage Car Insurance in Rustburg

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 Rustburg is Virginia Farm Bureau at $60 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rustburg, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$353	$60
American Family	$433	$72
Auto-Owners Insurance Co	$439	$75
Cincinnati	$444	$74
Nationwide	$502	$84
Erie	$536	$90
Travelers	$576	$97
State Farm	$611	$102
USAA	$661	$111
Farm Bureau	$713	$119
Mercury	$747	$126
Progressive	$844	$141
Allstate	$1106	$188

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Average Car Insurance in Rustburg 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 Rustburg, VA increasing?

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

Car Insurance Premiums by Age in Rustburg

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	$624
30s	Virginia Farm Bureau	$470
40s	USAA	$439
50s	USAA	$412
60s	USAA	$433
70s	USAA	$687

Cheapest Car Insurance Rates for Teen Drivers in Rustburg,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 Rustburg at $25 per month. At $4071 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	$148	$25
Farm Bureau	$188	$32
Mercury	$200	$34
American Family	$217	$36
Travelers	$223	$37
Auto-Owners Insurance Co	$256	$43
Erie	$861	$145
USAA	$1112	$187
State Farm	$1979	$333
Nationwide	$2504	$418
Allstate	$2908	$494
Progressive	$4071	$679

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 Rustburg.

As young drivers face the highest rates in Rustburg, USAA offers the cheapest auto insurance rates at $624 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 Rustburg, Mercury is the cheapest car insurance provider. At $211 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 Rustburg is Nationwide, offering rates of around $405 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Virginia Farm Bureau	$223	$37
Travelers	$342	$57
Cincinnati	$365	$62
Nationwide	$405	$67

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Car Insurance Rates with An Accident in Rustburg

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

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

The cheapest car insurance companies after an at-fault accident in Rustburg include AutoOwners Insurance Co and Virginia Farm Bureau, offering $205 and $205, respectively. Encompass is an expensive provider with an average six-month premium of $462.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$205	$35
Virginia Farm Bureau	$205	$35
American Family	$217	$36
Cincinnati	$262	$44
Farm Bureau	$268	$45
Travelers	$274	$46
Mercury	$302	$50
Electric	$365	$62
USAA	$514	$86
Erie	$570	$96
State Farm	$644	$108
Nationwide	$1090	$185
Progressive	$1449	$241
Allstate	$1870	$318
Encompass	$462	$79

Rustburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rustburg VA. For example, the car insurance in Rustburg after a DUI increases to $901 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Rustburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$901	$150
One Med/PIP claim	$901	$154
Not-at-fault accident	$935	$156
Two Med/PIP claims	$964	$164
One comp claim	$975	$162
Two comp claims	$1020	$174
Failure to show documents	$1026	$171
Driving without lights	$1044	$178
Child safety restraint	$1049	$175
Driving with expired registration	$1061	$180
Failure to wear a seat belt	$1072	$179
Cell phone violation	$1084	$184
Driving too slowly	$1084	$180
Failure to yield	$1084	$184
Speeding in school zone	$1084	$180
Texting while driving	$1084	$184
Wrong way/wrong lane	$1084	$180
Failure to stop at a red light	$1090	$185
Following too closely	$1090	$181
Illegal turn	$1090	$185
Improper passing	$1090	$181
Speeding 6 - 10 MPH over limit	$1090	$185
Speeding 16 - 20 MPH over limit	$1100	$183
Speeding 11 - 15 MPH over limit	$1106	$188
Passing school bus	$1140	$190
In 65 MPH zone	$1181	$201
Open container	$1197	$200
Speeding 21 - 25 MPH over limit	$1197	$204
At-fault accident - less than $1000	$1232	$205
Operating a vehicle without permission	$1323	$225
At-fault accident - $1000-$2000	$1340	$224
At-fault accident - greater than $2000	$1340	$228
Reckless driving	$1631	$272
Racing	$1751	$298
DUI	$1802	$300
Refusal to submit to a chemical test	$1802	$306
Driving with a suspended license	$1893	$316
Leaving scene of an accident/hit and run	$1893	$322

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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 Rustburg 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 Rustburg.

The cheapest car insurance premiums in Rustburg are offered by Virginia Farm Bureau at $182 for a six-month policy. However, it can be as expensive as $1569 with companies like Allstate.

Rustburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$182	$31
Mercury	$205	$35
Farm Bureau	$234	$39
Travelers	$302	$51
American Family	$325	$54
Auto-Owners Insurance Co	$353	$60
State Farm	$690	$116
USAA	$776	$131
Progressive	$1187	$198
Erie	$1214	$206
Nationwide	$1334	$223
Allstate	$1569	$267

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 Rustburg are offered by Mercury at $211. However, it can be as expensive as $285 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Rustburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$211	$36
Virginia Farm Bureau	$217	$36
American Family	$223	$37
Auto-Owners Insurance Co	$228	$38
Cincinnati	$228	$38
Travelers	$245	$41
Erie	$268	$45
State Farm	$285	$48

Car Insurance Price Trends in Rustburg, Virginia

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

The average cost of full coverage in the Rustburg rose by $86 in December compared to $84 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Rustburg rose to $44 in December, compared to $42 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 Rustburg?

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

What is the cheapest car insurance in Rustburg?

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

How much is car insurance in Rustburg for teenagers?

Car insurance for teenagers costs $148 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 Rustburg?

The average cost of car insurance is $638 for a six-month policy. It will cost around $103 per month to insure your car in Rustburg.

Is car insurance expensive in Rustburg?

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

Cheapest Car Insurance Quotes in Rustburg

Why you can trust Way?

How Much Is Car Insurance in Rustburg

Avg. Car Insurance in Rustburg

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Rustburg

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Rustburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Rustburg, VA

Way's key takeaways about car insurance in Rustburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rustburg

Cheapest Liability Coverage in Rustburg, VA

Cheapest Full Coverage Car Insurance in Rustburg

Cheapest Full Coverage Car Insurance Quotes in Rustburg, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rustburg by Rating Factor

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

Car Insurance Premiums by Age in Rustburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rustburg,VA

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

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 Rustburg

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

Rustburg Car Insurance Rates by Violation

Rustburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rustburg after a DUI

Rustburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rustburg after Speeding ticket

Car Insurance Price Trends in Rustburg, Virginia

Average Car Insurance Cost in Rustburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rustburg, VA

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

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