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Toano Car Insurance
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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.
The car insurance rate in Toano is $600 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Toano 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 $346 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.
American Family offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $430 for six months, making it the third cheapest auto insurance company in Toano.
Based on our research, the cheapest car insurance company in Toano, VA is Virginia Farm Bureau, offering policies at just $346 for a six-month term. This is followed by American Family, which has an average six-month premium of $424.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Toano drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $346 | $59 |
| American Family | $424 | $71 |
| Auto-Owners Insurance Co | $430 | $73 |
| Cincinnati | $435 | $72 |
| Nationwide | $492 | $83 |
| Erie | $525 | $88 |
| Travelers | $564 | $95 |
| State Farm | $598 | $100 |
| USAA | $648 | $109 |
| Farm Bureau | $698 | $117 |
| Mercury | $731 | $123 |
| Progressive | $826 | $138 |
| Allstate | $1083 | $184 |
Save up to $971/yr with our auto insurance quotes
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 Toano are given below.
Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Toano. Their Average 6 Month Premium is $145. Nationwide is the most expensive at $469 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $145 | $24 |
| American Family | $162 | $27 |
| Cincinnati | $196 | $33 |
| Travelers | $212 | $36 |
| Auto-Owners Insurance Co | $218 | $37 |
| Mercury | $224 | $38 |
| Farm Bureau | $234 | $39 |
| USAA | $234 | $39 |
| Erie | $262 | $44 |
| State Farm | $285 | $48 |
| Progressive | $363 | $60 |
| Allstate | $469 | $80 |
| Nationwide | $469 | $78 |
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 Toano is Virginia Farm Bureau at $59 per month and $346 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $346 | $59 |
| American Family | $424 | $71 |
| Auto-Owners Insurance Co | $430 | $73 |
| Cincinnati | $435 | $72 |
| Nationwide | $492 | $83 |
| Erie | $525 | $88 |
| Travelers | $564 | $95 |
| State Farm | $598 | $100 |
| USAA | $648 | $109 |
| Farm Bureau | $698 | $117 |
| Mercury | $731 | $123 |
| Progressive | $826 | $138 |
| Allstate | $1083 | $184 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Toano, 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, Toano's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $611 |
| 30s | Virginia Farm Bureau | $461 |
| 40s | USAA | $430 |
| 50s | USAA | $403 |
| 60s | USAA | $424 |
| 70s | USAA | $673 |
If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Toano at $24 per month. At $3987 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 | $145 | $24 |
| Farm Bureau | $184 | $31 |
| Mercury | $196 | $33 |
| American Family | $212 | $36 |
| Travelers | $218 | $37 |
| Auto-Owners Insurance Co | $251 | $42 |
| Erie | $843 | $142 |
| USAA | $1089 | $183 |
| State Farm | $1937 | $326 |
| Nationwide | $2452 | $409 |
| Allstate | $2847 | $484 |
| Progressive | $3987 | $665 |
Teen Car Insurance Rates in VA by Age
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.
For those with poor credit scores in Toano, Mercury is the cheapest car insurance provider. At $207 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 Toano is Nationwide, offering rates of around $397 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $207 | $35 |
| Virginia Farm Bureau | $218 | $37 |
| Travelers | $335 | $55 |
| Cincinnati | $357 | $61 |
| Nationwide | $397 | $66 |
Save up to $971/yr on car insurance rates in Toano.
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 Toano, VA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Toano include AutoOwners Insurance Co and Virginia Farm Bureau, offering $201 and $201, respectively. Encompass is an expensive provider with an average six-month premium of $452.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $201 | $34 |
| Virginia Farm Bureau | $201 | $34 |
| American Family | $212 | $36 |
| Cincinnati | $257 | $43 |
| Farm Bureau | $262 | $44 |
| Travelers | $268 | $45 |
| Mercury | $296 | $49 |
| Electric | $357 | $61 |
| USAA | $503 | $85 |
| Erie | $558 | $94 |
| State Farm | $631 | $106 |
| Nationwide | $1067 | $181 |
| Progressive | $1418 | $236 |
| Allstate | $1831 | $311 |
| Encompass | $452 | $77 |
Here is a list of driving violations that can increase your car insurance rates in Toano VA. For example, the car insurance in Toano after a DUI increases to $881 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $883 | $147 |
| One Med/PIP claim | $883 | $150 |
| Not-at-fault accident | $916 | $152 |
| Two Med/PIP claims | $944 | $161 |
| One comp claim | $955 | $159 |
| Two comp claims | $999 | $170 |
| Failure to show documents | $1005 | $167 |
| Driving without lights | $1022 | $174 |
| Child safety restraint | $1027 | $171 |
| Driving with expired registration | $1039 | $177 |
| Failure to wear a seat belt | $1050 | $175 |
| Cell phone violation | $1061 | $180 |
| Driving too slowly | $1061 | $177 |
| Failure to yield | $1061 | $180 |
| Speeding in school zone | $1061 | $177 |
| Texting while driving | $1061 | $180 |
| Wrong way/wrong lane | $1061 | $177 |
| Failure to stop at a red light | $1067 | $181 |
| Following too closely | $1067 | $178 |
| Illegal turn | $1067 | $181 |
| Improper passing | $1067 | $178 |
| Speeding 6 - 10 MPH over limit | $1067 | $181 |
| Speeding 16 - 20 MPH over limit | $1077 | $180 |
| Speeding 11 - 15 MPH over limit | $1083 | $184 |
| Passing school bus | $1117 | $186 |
| In 65 MPH zone | $1156 | $196 |
| Open container | $1172 | $196 |
| Speeding 21 - 25 MPH over limit | $1172 | $199 |
| At-fault accident - less than $1000 | $1206 | $201 |
| Operating a vehicle without permission | $1295 | $220 |
| At-fault accident - $1000-$2000 | $1312 | $219 |
| At-fault accident - greater than $2000 | $1312 | $223 |
| Reckless driving | $1597 | $266 |
| Racing | $1715 | $291 |
| DUI | $1764 | $294 |
| Refusal to submit to a chemical test | $1764 | $300 |
| Driving with a suspended license | $1854 | $309 |
| Leaving scene of an accident/hit and run | $1854 | $315 |
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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.
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 Toano.
The cheapest car insurance premiums in Toano are offered by Virginia Farm Bureau at $179 for a six-month policy. However, it can be as expensive as $1536 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $179 | $30 |
| Mercury | $201 | $34 |
| Farm Bureau | $229 | $39 |
| Travelers | $296 | $50 |
| American Family | $319 | $53 |
| Auto-Owners Insurance Co | $346 | $59 |
| State Farm | $676 | $114 |
| USAA | $760 | $128 |
| Progressive | $1162 | $194 |
| Erie | $1189 | $202 |
| Nationwide | $1307 | $218 |
| Allstate | $1536 | $261 |
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 Toano are offered by Mercury at $207. However, it can be as expensive as $279 with companies like State Farm for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $207 | $35 |
| Virginia Farm Bureau | $212 | $36 |
| American Family | $218 | $37 |
| Auto-Owners Insurance Co | $224 | $38 |
| Cincinnati | $224 | $38 |
| Travelers | $240 | $40 |
| Erie | $262 | $44 |
| State Farm | $279 | $47 |
Car insurance rates in Toano have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Toano rose by $85 in December compared to $82 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 Toano rose to $43 in December, compared to $41 in November. This represents an increase of $2 when comparing December and November.
How much is car insurance in Toano?
The car insurance in Toano is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Toano?
The cheapest car insurance in Toano is $59 per month for full coverage.
How much is car insurance in Toano for teenagers?
Car insurance for teenagers costs $145 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 Toano?
The average cost of car insurance is $638 for a six-month policy. It will cost around $101 per month to insure your car in Toano.
Is car insurance expensive in Toano?
Car insurance can be expensive in Toano if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Toano can be affordable.
What is the best car insurance in Toano, VA?
The best car insurance company in Toano VA is Virginia Farm Bureau, offering $346 for a six-month policy.
Cut auto insurance costs in Toano right now.