Cheapest Car Insurance Quotes in South Riding

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South Riding Car Insurance

^$ 29

/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 South Riding

The car insurance rate in South Riding is $721 for a six-month policy, which is $83 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in South Riding 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 South Riding

$721

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in South Riding

1st place: Virginia Farm Bureau

At $416 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 $510 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 $516 for six months, making it the third cheapest auto insurance company in South Riding.

South Riding Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Riding, VA is Virginia Farm Bureau, offering policies at just $416 for a six-month term. This is followed by American Family, which has an average six-month premium of $510.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Riding drivers find the best deals.

Cheap Car Insurance Companies in South Riding, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$416	$71
American Family	$510	$85
Auto-Owners Insurance Co	$516	$88
Cincinnati	$523	$87
Nationwide	$591	$99
Erie	$631	$106
Travelers	$678	$114
State Farm	$719	$120
USAA	$779	$131
Farm Bureau	$840	$140
Mercury	$879	$148
Progressive	$993	$166
Allstate	$1302	$221

Key Takeaways

Way's key takeaways about car insurance in South Riding

The auto insurance costs in South Riding fall around $416 for six months.
The cheapest auto insurance company in South Riding is Virginia Farm Bureau.
Teen drivers pay the highest rate in South Riding at $799 per month.

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Cheapest Minimum Liability Car Insurance in South Riding

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 South Riding are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in South Riding. Their Average 6 Month Premium is $174. Nationwide is the most expensive at $564 for the same period.

Cheapest Liability Coverage in South Riding, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$174	$29
American Family	$194	$33
Cincinnati	$235	$40
Travelers	$255	$43
Auto-Owners Insurance Co	$262	$44
Mercury	$269	$45
Farm Bureau	$281	$47
USAA	$281	$47
Erie	$315	$53
State Farm	$342	$58
Progressive	$436	$72
Allstate	$564	$96
Nationwide	$564	$94

Cheapest Full Coverage Car Insurance in South Riding

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 South Riding is Virginia Farm Bureau at $71 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Riding, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$416	$71
American Family	$510	$85
Auto-Owners Insurance Co	$516	$88
Cincinnati	$523	$87
Nationwide	$591	$99
Erie	$631	$106
Travelers	$678	$114
State Farm	$719	$120
USAA	$779	$131
Farm Bureau	$840	$140
Mercury	$879	$148
Progressive	$993	$166
Allstate	$1302	$221

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Average Car Insurance in South Riding 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 South Riding, VA increasing?

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

Car Insurance Premiums by Age in South Riding

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	$734
30s	Virginia Farm Bureau	$554
40s	USAA	$516
50s	USAA	$485
60s	USAA	$510
70s	USAA	$809

Cheapest Car Insurance Rates for Teen Drivers in South Riding,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 South Riding at $29 per month. At $4792 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	$174	$29
Farm Bureau	$221	$37
Mercury	$235	$40
American Family	$255	$43
Travelers	$262	$44
Auto-Owners Insurance Co	$302	$51
Erie	$1014	$171
USAA	$1309	$220
State Farm	$2329	$392
Nationwide	$2947	$492
Allstate	$3423	$582
Progressive	$4792	$799

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 South Riding.

As young drivers face the highest rates in South Riding, USAA offers the cheapest auto insurance rates at $734 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 South Riding, Mercury is the cheapest car insurance provider. At $249 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 South Riding is Nationwide, offering rates of around $477 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
Virginia Farm Bureau	$262	$44
Travelers	$402	$67
Cincinnati	$429	$73
Nationwide	$477	$79

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Car Insurance Rates with An Accident in South Riding

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Riding

The cheapest car insurance companies after an at-fault accident in South Riding include AutoOwners Insurance Co and Virginia Farm Bureau, offering $242 and $242, respectively. Encompass is an expensive provider with an average six-month premium of $544.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$242	$41
Virginia Farm Bureau	$242	$41
American Family	$255	$43
Cincinnati	$308	$52
Farm Bureau	$315	$53
Travelers	$322	$54
Mercury	$356	$59
Electric	$429	$73
USAA	$605	$102
Erie	$671	$113
State Farm	$758	$128
Nationwide	$1283	$218
Progressive	$1705	$284
Allstate	$2201	$374
Encompass	$544	$93

South Riding Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Riding VA. For example, the car insurance in South Riding after a DUI increases to $1060 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

South Riding auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1061	$176
One Med/PIP claim	$1061	$181
Not-at-fault accident	$1101	$183
Two Med/PIP claims	$1135	$193
One comp claim	$1148	$191
Two comp claims	$1201	$205
Failure to show documents	$1208	$201
Driving without lights	$1228	$209
Child safety restraint	$1235	$206
Driving with expired registration	$1249	$212
Failure to wear a seat belt	$1262	$210
Cell phone violation	$1276	$217
Driving too slowly	$1276	$212
Failure to yield	$1276	$217
Speeding in school zone	$1276	$212
Texting while driving	$1276	$217
Wrong way/wrong lane	$1276	$212
Failure to stop at a red light	$1283	$218
Following too closely	$1283	$214
Illegal turn	$1283	$218
Improper passing	$1283	$214
Speeding 6 - 10 MPH over limit	$1283	$218
Speeding 16 - 20 MPH over limit	$1295	$216
Speeding 11 - 15 MPH over limit	$1302	$221
Passing school bus	$1342	$224
In 65 MPH zone	$1390	$236
Open container	$1409	$235
Speeding 21 - 25 MPH over limit	$1409	$240
At-fault accident - less than $1000	$1450	$242
Operating a vehicle without permission	$1557	$264
At-fault accident - $1000-$2000	$1577	$263
At-fault accident - greater than $2000	$1577	$268
Reckless driving	$1920	$320
Racing	$2061	$350
DUI	$2121	$354
Refusal to submit to a chemical test	$2121	$360
Driving with a suspended license	$2228	$372
Leaving scene of an accident/hit and run	$2228	$379

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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 South Riding 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 South Riding.

The cheapest car insurance premiums in South Riding are offered by Virginia Farm Bureau at $215 for a six-month policy. However, it can be as expensive as $1846 with companies like Allstate.

South Riding car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$215	$36
Mercury	$242	$41
Farm Bureau	$276	$46
Travelers	$356	$60
American Family	$383	$63
Auto-Owners Insurance Co	$416	$71
State Farm	$812	$137
USAA	$913	$154
Progressive	$1397	$233
Erie	$1429	$243
Nationwide	$1571	$262
Allstate	$1846	$314

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 South Riding are offered by Mercury at $249. However, it can be as expensive as $336 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in South Riding after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
Virginia Farm Bureau	$255	$43
American Family	$262	$44
Auto-Owners Insurance Co	$269	$45
Cincinnati	$269	$45
Travelers	$288	$49
Erie	$315	$53
State Farm	$336	$56

Car Insurance Price Trends in South Riding, Virginia

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

The average cost of full coverage in the South Riding rose by $102 in December compared to $98 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the South Riding rose to $52 in December, compared to $50 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 South Riding?

The car insurance in South Riding is $29 per month, which is lower than the national average.

What is the cheapest car insurance in South Riding?

The cheapest car insurance in South Riding is $71 per month for full coverage.

How much is car insurance in South Riding for teenagers?

Car insurance for teenagers costs $174 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 South Riding?

The average cost of car insurance is $638 for a six-month policy. It will cost around $121 per month to insure your car in South Riding.

Is car insurance expensive in South Riding?

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

Cheapest Car Insurance Quotes in South Riding

Why you can trust Way?

How Much Is Car Insurance in South Riding

Avg. Car Insurance in South Riding

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in South Riding

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

South Riding Car Insurance Rates by Company

Cheap Car Insurance Companies in South Riding, VA

Way's key takeaways about car insurance in South Riding

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Riding

Cheapest Liability Coverage in South Riding, VA

Cheapest Full Coverage Car Insurance in South Riding

Cheapest Full Coverage Car Insurance Quotes in South Riding, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Riding by Rating Factor

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

Car Insurance Premiums by Age in South Riding

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Riding,VA

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

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 South Riding

Cheapest Car Insurance Companies after an At-Fault Accident in South Riding

South Riding Car Insurance Rates by Violation

South Riding auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Riding after a DUI

South Riding car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Riding after Speeding ticket

Car Insurance Price Trends in South Riding, Virginia

Average Car Insurance Cost in South Riding by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Riding, VA

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

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