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Finding the cheapest car insurance quotes in Spencer 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.
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 Spencer
The car insurance rate in Spencer 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 Spencer 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.
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 Spencer.
Spencer Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Spencer, 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 Spencer drivers find the best deals.
Way's key takeaways about car insurance in Spencer
The auto insurance costs in Spencer fall around $353 for six
months.
The cheapest auto insurance company in Spencer is Virginia Farm Bureau.
Teen drivers pay the highest rate in Spencer at $679 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Spencer
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 Spencer are given below.
Virginia Farm Bureau provides
the cheapest minimum car insurance
coverage in Spencer. Their Average 6 Month Premium is $148.
Nationwide is the most
expensive at $479 for the same
period.
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 Spencer is Virginia Farm Bureau
at $60 per month and $353
for six months.
Cheapest Full Coverage Car Insurance Quotes in Spencer,
VA
Get Your Car Insurance Quote in Spencer
Instantly!
Average Car Insurance in Spencer 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 Spencer, VA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Spencer, 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, Spencer's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Spencer
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
Spencer,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 Spencer at $25
per
month. At $4071 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Spencer.
As young drivers face the highest rates in Spencer, 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 Spencer,
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
Spencer is Nationwide, offering
rates of around $405 for six
months.
Save up to $971/yr on car insurance rates in Spencer.
Car Insurance Rates with An Accident in Spencer
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 Spencer, VA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Spencer
The cheapest car insurance companies after an at-fault accident in
Spencer 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.
Here is a list of driving violations that can increase your car
insurance rates in Spencer VA. For example, the car
insurance in Spencer
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.
Spencer 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 Spencer 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 Spencer.
The cheapest car insurance premiums in
Spencer 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.
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 Spencer 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 Spencer after Speeding ticket
Car insurance rates in Spencer have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Spencer 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 Spencer rose to $44 in December,
compared to $42 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Spencer. At $1224 for a
six-month policy, insuring
your car at 24165 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Spencer?
The car insurance in Spencer is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Spencer?
The cheapest car insurance in Spencer
is $60 per month
for full coverage.
How much is car insurance in Spencer 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
Spencer?
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 Spencer.
Is car insurance expensive in Spencer?
Car insurance can be expensive in Spencer if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Spencer can be
affordable.
What is the best car insurance in Spencer,
VA?
The best car insurance company in Spencer
VA is
Virginia Farm Bureau, offering $353 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Spencer, VA
Car Insurance Rates by State in the USA (2025 Update)
Spencer Car Insurance
