Cheapest Car Insurance Quotes in Sandy Level

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Sandy Level Car Insurance

^$ 26

/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 Sandy Level

The car insurance rate in Sandy Level is $638 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Sandy Level 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 Sandy Level

$638

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Sandy Level

1st place: Virginia Farm Bureau

At $368 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 $451 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 $457 for six months, making it the third cheapest auto insurance company in Sandy Level.

Sandy Level Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sandy Level, VA is Virginia Farm Bureau, offering policies at just $368 for a six-month term. This is followed by American Family, which has an average six-month premium of $451.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sandy Level drivers find the best deals.

Cheap Car Insurance Companies in Sandy Level, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$368	$63
American Family	$451	$75
Auto-Owners Insurance Co	$457	$78
Cincinnati	$463	$77
Nationwide	$523	$88
Erie	$558	$94
Travelers	$600	$101
State Farm	$636	$106
USAA	$689	$116
Farm Bureau	$743	$124
Mercury	$778	$131
Progressive	$879	$147
Allstate	$1152	$196

Key Takeaways

Way's key takeaways about car insurance in Sandy Level

The auto insurance costs in Sandy Level fall around $368 for six months.
The cheapest auto insurance company in Sandy Level is Virginia Farm Bureau.
Teen drivers pay the highest rate in Sandy Level at $707 per month.

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

Cheapest Minimum Liability Car Insurance in Sandy Level

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 Sandy Level are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Sandy Level. Their Average 6 Month Premium is $154. Nationwide is the most expensive at $499 for the same period.

Cheapest Liability Coverage in Sandy Level, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$154	$26
American Family	$172	$29
Cincinnati	$208	$35
Travelers	$226	$38
Auto-Owners Insurance Co	$232	$39
Mercury	$238	$40
Farm Bureau	$249	$42
USAA	$249	$42
Erie	$279	$47
State Farm	$303	$51
Progressive	$386	$64
Allstate	$499	$85
Nationwide	$499	$83

Cheapest Full Coverage Car Insurance in Sandy Level

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 Sandy Level is Virginia Farm Bureau at $63 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sandy Level, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$368	$63
American Family	$451	$75
Auto-Owners Insurance Co	$457	$78
Cincinnati	$463	$77
Nationwide	$523	$88
Erie	$558	$94
Travelers	$600	$101
State Farm	$636	$106
USAA	$689	$116
Farm Bureau	$743	$124
Mercury	$778	$131
Progressive	$879	$147
Allstate	$1152	$196

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Average Car Insurance in Sandy Level 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 Sandy Level, VA increasing?

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

Car Insurance Premiums by Age in Sandy Level

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	$650
30s	Virginia Farm Bureau	$490
40s	USAA	$457
50s	USAA	$429
60s	USAA	$451
70s	USAA	$716

Cheapest Car Insurance Rates for Teen Drivers in Sandy Level,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 Sandy Level at $26 per month. At $4241 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	$154	$26
Farm Bureau	$196	$33
Mercury	$208	$35
American Family	$226	$38
Travelers	$232	$39
Auto-Owners Insurance Co	$267	$45
Erie	$897	$151
USAA	$1158	$195
State Farm	$2061	$347
Nationwide	$2608	$435
Allstate	$3029	$515
Progressive	$4241	$707

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 Sandy Level.

As young drivers face the highest rates in Sandy Level, USAA offers the cheapest auto insurance rates at $650 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 Sandy Level, Mercury is the cheapest car insurance provider. At $220 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 Sandy Level is Nationwide, offering rates of around $422 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$220	$37
Virginia Farm Bureau	$232	$39
Travelers	$356	$59
Cincinnati	$380	$65
Nationwide	$422	$70

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Car Insurance Rates with An Accident in Sandy Level

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Level

The cheapest car insurance companies after an at-fault accident in Sandy Level include AutoOwners Insurance Co and Virginia Farm Bureau, offering $214 and $214, respectively. Encompass is an expensive provider with an average six-month premium of $481.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$214	$36
Virginia Farm Bureau	$214	$36
American Family	$226	$38
Cincinnati	$273	$46
Farm Bureau	$279	$47
Travelers	$285	$48
Mercury	$315	$52
Electric	$380	$65
USAA	$535	$90
Erie	$594	$100
State Farm	$671	$113
Nationwide	$1135	$193
Progressive	$1509	$251
Allstate	$1948	$331
Encompass	$481	$82

Sandy Level Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sandy Level VA. For example, the car insurance in Sandy Level after a DUI increases to $938 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Sandy Level auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$939	$156
One Med/PIP claim	$939	$160
Not-at-fault accident	$974	$162
Two Med/PIP claims	$1004	$171
One comp claim	$1016	$169
Two comp claims	$1063	$181
Failure to show documents	$1069	$178
Driving without lights	$1087	$185
Child safety restraint	$1093	$182
Driving with expired registration	$1105	$188
Failure to wear a seat belt	$1117	$186
Cell phone violation	$1129	$192
Driving too slowly	$1129	$188
Failure to yield	$1129	$192
Speeding in school zone	$1129	$188
Texting while driving	$1129	$192
Wrong way/wrong lane	$1129	$188
Failure to stop at a red light	$1135	$193
Following too closely	$1135	$189
Illegal turn	$1135	$193
Improper passing	$1135	$189
Speeding 6 - 10 MPH over limit	$1135	$193
Speeding 16 - 20 MPH over limit	$1146	$191
Speeding 11 - 15 MPH over limit	$1152	$196
Passing school bus	$1188	$198
In 65 MPH zone	$1230	$209
Open container	$1247	$208
Speeding 21 - 25 MPH over limit	$1247	$212
At-fault accident - less than $1000	$1283	$214
Operating a vehicle without permission	$1378	$234
At-fault accident - $1000-$2000	$1396	$233
At-fault accident - greater than $2000	$1396	$237
Reckless driving	$1699	$283
Racing	$1824	$310
DUI	$1877	$313
Refusal to submit to a chemical test	$1877	$319
Driving with a suspended license	$1972	$329
Leaving scene of an accident/hit and run	$1972	$335

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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 Sandy Level 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 Sandy Level.

The cheapest car insurance premiums in Sandy Level are offered by Virginia Farm Bureau at $190 for a six-month policy. However, it can be as expensive as $1634 with companies like Allstate.

Sandy Level car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$190	$32
Mercury	$214	$36
Farm Bureau	$244	$41
Travelers	$315	$53
American Family	$339	$56
Auto-Owners Insurance Co	$368	$63
State Farm	$719	$121
USAA	$808	$136
Progressive	$1236	$206
Erie	$1265	$215
Nationwide	$1390	$232
Allstate	$1634	$278

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 Sandy Level are offered by Mercury at $220. However, it can be as expensive as $297 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Sandy Level after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$220	$37
Virginia Farm Bureau	$226	$38
American Family	$232	$39
Auto-Owners Insurance Co	$238	$40
Cincinnati	$238	$40
Travelers	$255	$43
Erie	$279	$47
State Farm	$297	$50

Car Insurance Price Trends in Sandy Level, Virginia

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

The average cost of full coverage in the Sandy Level rose by $90 in December compared to $87 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 Sandy Level rose to $46 in December, compared to $44 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 Sandy Level?

The car insurance in Sandy Level is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Sandy Level?

The cheapest car insurance in Sandy Level is $63 per month for full coverage.

How much is car insurance in Sandy Level for teenagers?

Car insurance for teenagers costs $154 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 Sandy Level?

The average cost of car insurance is $638 for a six-month policy. It will cost around $107 per month to insure your car in Sandy Level.

Is car insurance expensive in Sandy Level?

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

Cheapest Car Insurance Quotes in Sandy Level

Why you can trust Way?

How Much Is Car Insurance in Sandy Level

Avg. Car Insurance in Sandy Level

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Sandy Level

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Sandy Level Car Insurance Rates by Company

Cheap Car Insurance Companies in Sandy Level, VA

Way's key takeaways about car insurance in Sandy Level

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sandy Level

Cheapest Liability Coverage in Sandy Level, VA

Cheapest Full Coverage Car Insurance in Sandy Level

Cheapest Full Coverage Car Insurance Quotes in Sandy Level, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sandy Level by Rating Factor

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

Car Insurance Premiums by Age in Sandy Level

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sandy Level,VA

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

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 Sandy Level

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Level

Sandy Level Car Insurance Rates by Violation

Sandy Level auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sandy Level after a DUI

Sandy Level car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sandy Level after Speeding ticket

Car Insurance Price Trends in Sandy Level, Virginia

Average Car Insurance Cost in Sandy Level by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sandy Level, VA

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

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