Cheapest Car Insurance Quotes in Villa Heights

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Villa Heights Car Insurance

^$ 25

/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 Villa Heights

The car insurance rate in Villa Heights is $619 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Villa Heights 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 Villa Heights

$619

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Villa Heights

1st place: Virginia Farm Bureau

At $357 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 $437 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 $443 for six months, making it the third cheapest auto insurance company in Villa Heights.

Villa Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Villa Heights, VA is Virginia Farm Bureau, offering policies at just $357 for a six-month term. This is followed by American Family, which has an average six-month premium of $437.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1117 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Villa Heights drivers find the best deals.

Cheap Car Insurance Companies in Villa Heights, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$357	$61
American Family	$437	$73
Auto-Owners Insurance Co	$443	$76
Cincinnati	$449	$75
Nationwide	$507	$85
Erie	$541	$91
Travelers	$582	$98
State Farm	$617	$103
USAA	$668	$113
Farm Bureau	$721	$120
Mercury	$755	$127
Progressive	$853	$143
Allstate	$1117	$190

Key Takeaways

Way's key takeaways about car insurance in Villa Heights

The auto insurance costs in Villa Heights fall around $357 for six months.
The cheapest auto insurance company in Villa Heights is Virginia Farm Bureau.
Teen drivers pay the highest rate in Villa Heights at $686 per month.

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Cheapest Minimum Liability Car Insurance in Villa Heights

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 Villa Heights are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Villa Heights. Their Average 6 Month Premium is $149. Nationwide is the most expensive at $484 for the same period.

Cheapest Liability Coverage in Villa Heights, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$149	$25
American Family	$167	$28
Cincinnati	$202	$34
Travelers	$219	$37
Auto-Owners Insurance Co	$225	$38
Mercury	$231	$39
Farm Bureau	$242	$41
USAA	$242	$41
Erie	$271	$46
State Farm	$294	$49
Progressive	$374	$62
Allstate	$484	$82
Nationwide	$484	$81

Cheapest Full Coverage Car Insurance in Villa Heights

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 Villa Heights is Virginia Farm Bureau at $61 per month and $357 for six months.

Cheapest Full Coverage Car Insurance Quotes in Villa Heights, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$357	$61
American Family	$437	$73
Auto-Owners Insurance Co	$443	$76
Cincinnati	$449	$75
Nationwide	$507	$85
Erie	$541	$91
Travelers	$582	$98
State Farm	$617	$103
USAA	$668	$113
Farm Bureau	$721	$120
Mercury	$755	$127
Progressive	$853	$143
Allstate	$1117	$190

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Average Car Insurance in Villa Heights 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 Villa Heights, VA increasing?

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

Car Insurance Premiums by Age in Villa Heights

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	$631
30s	Virginia Farm Bureau	$475
40s	USAA	$443
50s	USAA	$416
60s	USAA	$437
70s	USAA	$695

Cheapest Car Insurance Rates for Teen Drivers in Villa Heights,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 Villa Heights at $25 per month. At $4114 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	$149	$25
Farm Bureau	$190	$32
Mercury	$202	$34
American Family	$219	$37
Travelers	$225	$38
Auto-Owners Insurance Co	$259	$44
Erie	$870	$146
USAA	$1123	$189
State Farm	$1999	$337
Nationwide	$2530	$422
Allstate	$2938	$500
Progressive	$4114	$686

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 Villa Heights.

As young drivers face the highest rates in Villa Heights, USAA offers the cheapest auto insurance rates at $631 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 Villa Heights, Mercury is the cheapest car insurance provider. At $213 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 Villa Heights is Nationwide, offering rates of around $409 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Virginia Farm Bureau	$225	$38
Travelers	$345	$57
Cincinnati	$369	$63
Nationwide	$409	$68

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Car Insurance Rates with An Accident in Villa Heights

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

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Heights

The cheapest car insurance companies after an at-fault accident in Villa Heights include AutoOwners Insurance Co and Virginia Farm Bureau, offering $208 and $208, respectively. Encompass is an expensive provider with an average six-month premium of $467.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$208	$35
Virginia Farm Bureau	$208	$35
American Family	$219	$37
Cincinnati	$265	$45
Farm Bureau	$271	$46
Travelers	$276	$47
Mercury	$306	$50
Electric	$369	$63
USAA	$519	$87
Erie	$576	$97
State Farm	$651	$110
Nationwide	$1101	$187
Progressive	$1464	$243
Allstate	$1890	$321
Encompass	$467	$80

Villa Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Villa Heights VA. For example, the car insurance in Villa Heights after a DUI increases to $910 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Villa Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$911	$151
One Med/PIP claim	$911	$155
Not-at-fault accident	$945	$157
Two Med/PIP claims	$974	$166
One comp claim	$986	$164
Two comp claims	$1031	$176
Failure to show documents	$1037	$173
Driving without lights	$1054	$179
Child safety restraint	$1060	$177
Driving with expired registration	$1072	$182
Failure to wear a seat belt	$1083	$180
Cell phone violation	$1095	$186
Driving too slowly	$1095	$182
Failure to yield	$1095	$186
Speeding in school zone	$1095	$182
Texting while driving	$1095	$186
Wrong way/wrong lane	$1095	$182
Failure to stop at a red light	$1101	$187
Following too closely	$1101	$183
Illegal turn	$1101	$187
Improper passing	$1101	$183
Speeding 6 - 10 MPH over limit	$1101	$187
Speeding 16 - 20 MPH over limit	$1112	$185
Speeding 11 - 15 MPH over limit	$1117	$190
Passing school bus	$1152	$192
In 65 MPH zone	$1193	$203
Open container	$1210	$202
Speeding 21 - 25 MPH over limit	$1210	$206
At-fault accident - less than $1000	$1245	$208
Operating a vehicle without permission	$1337	$227
At-fault accident - $1000-$2000	$1354	$226
At-fault accident - greater than $2000	$1354	$230
Reckless driving	$1648	$275
Racing	$1769	$301
DUI	$1821	$304
Refusal to submit to a chemical test	$1821	$309
Driving with a suspended license	$1913	$319
Leaving scene of an accident/hit and run	$1913	$325

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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 Villa Heights 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 Villa Heights.

The cheapest car insurance premiums in Villa Heights are offered by Virginia Farm Bureau at $184 for a six-month policy. However, it can be as expensive as $1585 with companies like Allstate.

Villa Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$184	$31
Mercury	$208	$35
Farm Bureau	$237	$40
Travelers	$306	$51
American Family	$329	$54
Auto-Owners Insurance Co	$357	$61
State Farm	$697	$117
USAA	$784	$132
Progressive	$1199	$200
Erie	$1227	$209
Nationwide	$1348	$225
Allstate	$1585	$270

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 Villa Heights are offered by Mercury at $213. However, it can be as expensive as $288 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Villa Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$213	$36
Virginia Farm Bureau	$219	$37
American Family	$225	$38
Auto-Owners Insurance Co	$231	$39
Cincinnati	$231	$39
Travelers	$247	$42
Erie	$271	$46
State Farm	$288	$49

Car Insurance Price Trends in Villa Heights, Virginia

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

The average cost of full coverage in the Villa Heights rose by $87 in December compared to $84 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 Villa Heights rose to $45 in December, compared to $43 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 Villa Heights?

The car insurance in Villa Heights is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Villa Heights?

The cheapest car insurance in Villa Heights is $61 per month for full coverage.

How much is car insurance in Villa Heights for teenagers?

Car insurance for teenagers costs $149 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 Villa Heights?

The average cost of car insurance is $638 for a six-month policy. It will cost around $104 per month to insure your car in Villa Heights.

Is car insurance expensive in Villa Heights?

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

Cheapest Car Insurance Quotes in Villa Heights

Why you can trust Way?

How Much Is Car Insurance in Villa Heights

Avg. Car Insurance in Villa Heights

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Villa Heights

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Villa Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Villa Heights, VA

Way's key takeaways about car insurance in Villa Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Villa Heights

Cheapest Liability Coverage in Villa Heights, VA

Cheapest Full Coverage Car Insurance in Villa Heights

Cheapest Full Coverage Car Insurance Quotes in Villa Heights, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Villa Heights by Rating Factor

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

Car Insurance Premiums by Age in Villa Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Villa Heights,VA

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

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 Villa Heights

Cheapest Car Insurance Companies after an At-Fault Accident in Villa Heights

Villa Heights Car Insurance Rates by Violation

Villa Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Villa Heights after a DUI

Villa Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Villa Heights after Speeding ticket

Car Insurance Price Trends in Villa Heights, Virginia

Average Car Insurance Cost in Villa Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Villa Heights, VA

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

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