We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in State Farm 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 State Farm
The car insurance rate in State Farm is $708 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in State Farm 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 $408 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 $501 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 $507
for six months, making it
the third cheapest auto insurance company in State Farm.
State Farm Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in State Farm, VA is Virginia Farm Bureau, offering policies at just $408 for a six-month term. This is followed by American Family, which has an average six-month premium of $501.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help State Farm drivers find the best deals.
Way's key takeaways about car insurance in State Farm
The auto insurance costs in State Farm fall around $408 for six
months.
The cheapest auto insurance company in State Farm is Virginia Farm Bureau.
Teen drivers pay the highest rate in State Farm at $785 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 State Farm
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 State Farm are given below.
Virginia Farm Bureau provides
the cheapest minimum car insurance
coverage in State Farm. Their Average 6 Month Premium is $171.
Nationwide is the most
expensive at $554 for the same
period.
Cheapest Full Coverage Car Insurance in State Farm
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 State Farm is Virginia Farm Bureau
at $70 per month and $408
for six months.
Cheapest Full Coverage Car Insurance Quotes in State Farm,
VA
Get Your Car Insurance Quote in State Farm
Instantly!
Average Car Insurance in State Farm 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 State Farm, VA increasing?
Despite maintaining a clean driving record, your car insurance rates
in State Farm, 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, State Farm's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in State Farm
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
$722
30s
Virginia Farm Bureau
$544
40s
USAA
$507
50s
USAA
$476
60s
USAA
$501
70s
USAA
$795
Cheapest Car Insurance Rates for Teen Drivers in
State Farm,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 State Farm at $29
per
month. At $4708 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 State Farm.
As young drivers face the highest rates in State Farm, USAA
offers the cheapest auto insurance rates at $722 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 State Farm,
Mercury is
the cheapest car insurance provider. At $244 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
State Farm is Nationwide, offering
rates of around $468 for six
months.
Save up to $971/yr on car insurance rates in State Farm.
Car Insurance Rates with An Accident in State Farm
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 State Farm, VA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in State Farm
The cheapest car insurance companies after an at-fault accident in
State Farm include AutoOwners Insurance Co
and Virginia Farm Bureau, offering $238
and $238,
respectively. Encompass is an expensive provider
with an average six-month premium of
$534.
Here is a list of driving violations that can increase your car
insurance rates in State Farm VA. For example, the car
insurance in State Farm
after a DUI increases to $1041 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
State Farm auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1042
$173
One Med/PIP claim
$1042
$178
Not-at-fault accident
$1081
$180
Two Med/PIP claims
$1114
$190
One comp claim
$1128
$188
Two comp claims
$1180
$201
Failure to show documents
$1187
$198
Driving without lights
$1207
$205
Child safety restraint
$1213
$202
Driving with expired registration
$1227
$209
Failure to wear a seat belt
$1240
$206
Cell phone violation
$1253
$213
Driving too slowly
$1253
$209
Failure to yield
$1253
$213
Speeding in school zone
$1253
$209
Texting while driving
$1253
$213
Wrong way/wrong lane
$1253
$209
Failure to stop at a red light
$1260
$214
Following too closely
$1260
$210
Illegal turn
$1260
$214
Improper passing
$1260
$210
Speeding 6 - 10 MPH over limit
$1260
$214
Speeding 16 - 20 MPH over limit
$1272
$212
Speeding 11 - 15 MPH over limit
$1279
$218
Passing school bus
$1319
$220
In 65 MPH zone
$1365
$232
Open container
$1384
$231
Speeding 21 - 25 MPH over limit
$1384
$235
At-fault accident - less than $1000
$1424
$238
Operating a vehicle without permission
$1530
$260
At-fault accident - $1000-$2000
$1550
$259
At-fault accident - greater than $2000
$1550
$263
Reckless driving
$1886
$314
Racing
$2025
$344
DUI
$2083
$347
Refusal to submit to a chemical test
$2083
$354
Driving with a suspended license
$2189
$365
Leaving scene of an accident/hit and run
$2189
$372
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 State Farm 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 State Farm.
The cheapest car insurance premiums in
State Farm are
offered by Virginia Farm Bureau at $211 for a six-month policy.
However, it can be as
expensive as $1814 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 State Farm are offered by Mercury
at $244. However,
it can be as expensive as $330
with companies like State Farm for a similar
six-month premium.
Cheapest Car Insurance in State Farm after Speeding ticket
Car Insurance Price Trends in State Farm,
Virginia
Car insurance rates in State Farm have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the State Farm rose by
$100 in December
compared to $97 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 State Farm rose to $51 in December,
compared to $49 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in State Farm by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
State Farm. At $1416 for a
six-month policy, insuring
your car at 23160 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in State Farm?
The car insurance in State Farm is $29 per month, which is lower than the national average.
What is the cheapest car insurance in State Farm?
The cheapest car insurance in State Farm
is $70 per month
for full coverage.
How much is car insurance in State Farm for teenagers?
Car insurance for teenagers costs $171 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
State Farm?
The average cost of car insurance is $638 for a six-month
policy. It will cost around $119 per month to insure your
car in State Farm.
Is car insurance expensive in State Farm?
Car insurance can be expensive in State Farm if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in State Farm can be
affordable.
What is the best car insurance in State Farm,
VA?
The best car insurance company in State Farm
VA is
Virginia Farm Bureau, offering $408 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in State Farm right now.
Find Car Insurance Rates in Cities Near State Farm, VA
Car Insurance Rates by State in the USA (2025 Update)
State Farm Car Insurance
