Cheapest Car Insurance Quotes in Timberville

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Timberville Car Insurance

^$ 22

/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 Timberville

The car insurance rate in Timberville is $536 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Timberville 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 Timberville

$536

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Timberville

1st place: Virginia Farm Bureau

At $309 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 $379 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 $384 for six months, making it the third cheapest auto insurance company in Timberville.

Timberville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Timberville, VA is Virginia Farm Bureau, offering policies at just $309 for a six-month term. This is followed by American Family, which has an average six-month premium of $379.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $968 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Timberville drivers find the best deals.

Cheap Car Insurance Companies in Timberville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$309	$53
American Family	$379	$63
Auto-Owners Insurance Co	$384	$66
Cincinnati	$389	$65
Nationwide	$439	$74
Erie	$469	$79
Travelers	$504	$85
State Farm	$534	$89
USAA	$579	$97
Farm Bureau	$624	$104
Mercury	$654	$110
Progressive	$738	$123
Allstate	$968	$165

Key Takeaways

Way's key takeaways about car insurance in Timberville

The auto insurance costs in Timberville fall around $309 for six months.
The cheapest auto insurance company in Timberville is Virginia Farm Bureau.
Teen drivers pay the highest rate in Timberville at $594 per month.

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Cheapest Minimum Liability Car Insurance in Timberville

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 Timberville are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Timberville. Their Average 6 Month Premium is $129. Nationwide is the most expensive at $419 for the same period.

Cheapest Liability Coverage in Timberville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$129	$22
American Family	$144	$24
Cincinnati	$175	$29
Travelers	$190	$32
Auto-Owners Insurance Co	$195	$33
Mercury	$200	$34
Farm Bureau	$209	$35
USAA	$209	$35
Erie	$234	$39
State Farm	$255	$43
Progressive	$324	$54
Allstate	$419	$71
Nationwide	$419	$70

Cheapest Full Coverage Car Insurance in Timberville

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 Timberville is Virginia Farm Bureau at $53 per month and $309 for six months.

Cheapest Full Coverage Car Insurance Quotes in Timberville, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$309	$53
American Family	$379	$63
Auto-Owners Insurance Co	$384	$66
Cincinnati	$389	$65
Nationwide	$439	$74
Erie	$469	$79
Travelers	$504	$85
State Farm	$534	$89
USAA	$579	$97
Farm Bureau	$624	$104
Mercury	$654	$110
Progressive	$738	$123
Allstate	$968	$165

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Average Car Insurance in Timberville 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 Timberville, VA increasing?

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

Car Insurance Premiums by Age in Timberville

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	$546
30s	Virginia Farm Bureau	$412
40s	USAA	$384
50s	USAA	$360
60s	USAA	$379
70s	USAA	$601

Cheapest Car Insurance Rates for Teen Drivers in Timberville,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 Timberville at $22 per month. At $3562 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	$129	$22
Farm Bureau	$165	$28
Mercury	$175	$29
American Family	$190	$32
Travelers	$195	$33
Auto-Owners Insurance Co	$224	$38
Erie	$753	$127
USAA	$973	$164
State Farm	$1731	$291
Nationwide	$2191	$365
Allstate	$2544	$433
Progressive	$3562	$594

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 Timberville.

As young drivers face the highest rates in Timberville, USAA offers the cheapest auto insurance rates at $546 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 Timberville, Mercury is the cheapest car insurance provider. At $185 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 Timberville is Nationwide, offering rates of around $354 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$185	$31
Virginia Farm Bureau	$195	$33
Travelers	$299	$50
Cincinnati	$319	$55
Nationwide	$354	$59

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Car Insurance Rates with An Accident in Timberville

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

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

The cheapest car insurance companies after an at-fault accident in Timberville include AutoOwners Insurance Co and Virginia Farm Bureau, offering $180 and $180, respectively. Encompass is an expensive provider with an average six-month premium of $404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$180	$30
Virginia Farm Bureau	$180	$30
American Family	$190	$32
Cincinnati	$229	$39
Farm Bureau	$234	$39
Travelers	$239	$40
Mercury	$265	$44
Electric	$319	$55
USAA	$449	$76
Erie	$499	$84
State Farm	$564	$95
Nationwide	$953	$162
Progressive	$1268	$211
Allstate	$1636	$278
Encompass	$404	$69

Timberville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Timberville VA. For example, the car insurance in Timberville after a DUI increases to $788 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.

Timberville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$789	$131
One Med/PIP claim	$789	$134
Not-at-fault accident	$818	$136
Two Med/PIP claims	$843	$144
One comp claim	$853	$142
Two comp claims	$893	$152
Failure to show documents	$898	$150
Driving without lights	$913	$155
Child safety restraint	$918	$153
Driving with expired registration	$928	$158
Failure to wear a seat belt	$938	$156
Cell phone violation	$948	$161
Driving too slowly	$948	$158
Failure to yield	$948	$161
Speeding in school zone	$948	$158
Texting while driving	$948	$161
Wrong way/wrong lane	$948	$158
Failure to stop at a red light	$953	$162
Following too closely	$953	$159
Illegal turn	$953	$162
Improper passing	$953	$159
Speeding 6 - 10 MPH over limit	$953	$162
Speeding 16 - 20 MPH over limit	$963	$160
Speeding 11 - 15 MPH over limit	$968	$165
Passing school bus	$998	$166
In 65 MPH zone	$1033	$176
Open container	$1047	$175
Speeding 21 - 25 MPH over limit	$1047	$178
At-fault accident - less than $1000	$1078	$180
Operating a vehicle without permission	$1158	$197
At-fault accident - $1000-$2000	$1173	$196
At-fault accident - greater than $2000	$1173	$199
Reckless driving	$1427	$238
Racing	$1532	$260
DUI	$1577	$263
Refusal to submit to a chemical test	$1577	$268
Driving with a suspended license	$1656	$276
Leaving scene of an accident/hit and run	$1656	$281

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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 Timberville 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 Timberville.

The cheapest car insurance premiums in Timberville are offered by Virginia Farm Bureau at $160 for a six-month policy. However, it can be as expensive as $1373 with companies like Allstate.

Timberville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$160	$27
Mercury	$180	$30
Farm Bureau	$205	$34
Travelers	$265	$45
American Family	$285	$47
Auto-Owners Insurance Co	$309	$53
State Farm	$604	$102
USAA	$679	$114
Progressive	$1038	$173
Erie	$1063	$181
Nationwide	$1168	$195
Allstate	$1373	$234

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 Timberville are offered by Mercury at $185. However, it can be as expensive as $249 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Timberville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$185	$31
Virginia Farm Bureau	$190	$32
American Family	$195	$33
Auto-Owners Insurance Co	$200	$34
Cincinnati	$200	$34
Travelers	$214	$36
Erie	$234	$39
State Farm	$249	$42

Car Insurance Price Trends in Timberville, Virginia

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

The average cost of full coverage in the Timberville rose by $76 in December compared to $73 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 Timberville rose to $39 in December, compared to $37 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 Timberville?

The car insurance in Timberville is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Timberville?

The cheapest car insurance in Timberville is $53 per month for full coverage.

How much is car insurance in Timberville for teenagers?

Car insurance for teenagers costs $129 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 Timberville?

The average cost of car insurance is $638 for a six-month policy. It will cost around $90 per month to insure your car in Timberville.

Is car insurance expensive in Timberville?

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

Cheapest Car Insurance Quotes in Timberville

Why you can trust Way?

How Much Is Car Insurance in Timberville

Avg. Car Insurance in Timberville

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Timberville

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Timberville Car Insurance Rates by Company

Cheap Car Insurance Companies in Timberville, VA

Way's key takeaways about car insurance in Timberville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Timberville

Cheapest Liability Coverage in Timberville, VA

Cheapest Full Coverage Car Insurance in Timberville

Cheapest Full Coverage Car Insurance Quotes in Timberville, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Timberville by Rating Factor

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

Car Insurance Premiums by Age in Timberville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Timberville,VA

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

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 Timberville

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

Timberville Car Insurance Rates by Violation

Timberville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Timberville after a DUI

Timberville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Timberville after Speeding ticket

Car Insurance Price Trends in Timberville, Virginia

Average Car Insurance Cost in Timberville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Timberville, VA

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

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