Cheap Quotes for Gloucester, VA Car Insurance (2021)

Gloucester, Virginia car insurance rates average $185 a month and Virginia law requires coverage of at least 25/50/20. By comparing rates from multiple Gloucester, VA companies, you can find cheap Gloucester car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Gloucester has an average commute time of 38.3 minutes
  • Average car insurance rates in Gloucester, VA after a DUI are $2,614/year
  • The cheapest car insurance company in Gloucester is USAA

How do the Gloucester, Virginia monthly average car insurance rates of $185/month compare to nearby cities like Newport News car insurance rates, Hampton car insurance rates, and Norfolk car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Gloucester, VA.

We’ll cover the Virginia minimum coverage requirements, Virginia car insurance laws, and Gloucester, VA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Gloucester, Virginia companies to find the most affordable Gloucester car insurance rates.

Enter your ZIP code above to find cheap Gloucester, VA car insurance quotes today.

What are the minimum Gloucester, VA car insurance requirements?

To meet Virginia minimum car insurance coverage requirements, Gloucester, VA drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Gloucester, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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How do age, gender, and marital status affect Gloucester, VA car insurance rates?

Three of the criteria that most affect car insurance rates in Gloucester, Virginia are age, gender, and marital status. Let’s take a look at how each of these stack up with top Gloucester car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gloucester, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,949 $1,841 $1,940 $1,940 $6,004 $6,882 $2,529 $2,531
GEICO $1,306 $1,299 $1,241 $1,241 $2,816 $3,756 $1,518 $1,495
Nationwide $1,362 $1,372 $1,210 $1,244 $3,198 $4,128 $1,500 $1,635
Progressive $1,132 $1,075 $1,026 $1,029 $5,156 $5,785 $1,366 $1,392
State Farm $1,422 $1,422 $1,288 $1,288 $4,337 $5,455 $1,609 $1,841
USAA $1,070 $1,057 $997 $1,009 $3,250 $3,867 $1,381 $1,523

How much do teen drivers pay for car insurance in Gloucester, VA?

Gloucester, Virginia car insurance rates for teens are often higher than rates for other drivers. Compare Gloucester car insurance rates from multiple Gloucester, Virginia car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Gloucester, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,004 $6,882
GEICO $2,816 $3,756
Nationwide $3,198 $4,128
Progressive $5,156 $5,785
State Farm $4,337 $5,455
USAA $3,250 $3,867

How much do senior drivers pay for car insurance in Gloucester, VA?

With a little research, seniors can find affordable car insurance in Gloucester, Virginia. Here’s a look at how the top Gloucester car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Gloucester, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,940 $1,940
GEICO $1,241 $1,241
Nationwide $1,210 $1,244
Progressive $1,026 $1,029
State Farm $1,288 $1,288
USAA $997 $1,009

How does coverage level affect Gloucester, VA car insurance rates?

How much coverage do you need? Are you comfortable with the Virginia minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Gloucester, VA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Gloucester, Virginia

Insurance Company Low Medium High
Allstate $3,091 $3,203 $3,313
GEICO $1,758 $1,832 $1,912
Nationwide $2,043 $1,938 $1,887
Progressive $2,141 $2,219 $2,376
State Farm $2,180 $2,330 $2,488
USAA $1,694 $1,773 $1,841

How does your driving record affect Gloucester, VA car insurance rates?

Safe driving pays off. The more traffic violations you have in Gloucester, VA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Gloucester, Virginia companies.

Annual Gloucester, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,403 $3,828 $3,489 $3,088
GEICO $1,397 $1,808 $2,734 $1,397
Nationwide $1,702 $1,702 $2,491 $1,930
Progressive $1,921 $2,539 $2,288 $2,232
State Farm $2,127 $2,539 $2,333 $2,333
USAA $1,372 $1,778 $2,348 $1,579

How does a DUI affect Gloucester, VA car insurance rates?

With even one DUI on your record, you can see an increase in your Gloucester, VA car insurance rates.

Annual Car Insurance Rates After a DUI in Gloucester, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,489
GEICO $2,734
Nationwide $2,491
Progressive $2,288
State Farm $2,333
USAA $2,348

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How does your credit history affect Gloucester, VA car insurance rates?

Take a look at the data here to see how your Gloucester, Virginia car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Gloucester, Virginia

Insurance Company Poor Fair Good
Allstate $3,903 $3,117 $2,586
GEICO $2,037 $1,732 $1,732
Nationwide $2,314 $1,862 $1,692
Progressive $2,502 $2,189 $2,045
State Farm $3,318 $2,056 $1,624
USAA $2,364 $1,612 $1,331

How does your commute affect Gloucester, VA car insurance rates?

Gloucester, VA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Virginia can be seen here. Remember, though, that you may have to carry substantially more car insurance in Gloucester if you’re financing.

Annual Car Insurance Rates by Commute Length in Gloucester, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,103 $3,301
GEICO $1,800 $1,868
Nationwide $1,956 $1,956
Progressive $2,245 $2,245
State Farm $2,274 $2,392
USAA $1,704 $1,834

Who has the cheapest Gloucester, VA car insurance rates?

Here’s a breakdown of Gloucester, Virginia car insurance rates by company. You can see which company offers the cheapest Gloucester car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Gloucester, Virginia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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What are the top Gloucester, VA car insurance companies?

Which Gloucester, Virginia car insurance company will best fit your needs and budget? Check out this comparison of the top Gloucester companies to find the one for you.

Average Annual Car Insurance Rates by Company in Gloucester, Virginia

Insurance Company Average Annual Rates
Allstate $3,202
GEICO $1,834
Nationwide $1,956
Progressive $2,245
State Farm $2,333
USAA $1,769

What factors affect Gloucester, VA car insurance rates?

Why are Gloucester, Virginia car insurance rates different than rates in Newport News or Hampton? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Gloucester, VA?

More time spent behind the wheel can lead to higher Gloucester, Virginia car insurance rates. In Gloucester, VA, the average commute length is 38.3 minutes.

What is the traffic like in Gloucester, VA

Like commute length, time spent in traffic also increase risk of accidents. Gloucester, VA is listed as 582nd in INRIX congested cities data.

Car Insurance Quotes for Gloucester, VA

Shop for affordable Gloucester, Virginia car insurance rates today. Enter your ZIP code to compare quotes from multiple Gloucester, VA car insurance companies.

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