Cheap Quotes for Locust Dale, VA Car Insurance (2021)

Locust Dale, Virginia car insurance rates average $200 a month and Virginia law requires coverage of at least 25/50/20. By comparing rates from multiple Locust Dale, VA companies, you can find cheap Locust Dale 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

  • Average car insurance rates in Locust Dale, VA after a DUI are $2,834/year
  • Average car insurance rates in Locust Dale, VA for senior drivers are $1,384/year
  • Average car insurance rates in Locust Dale, VA are $200/month

How do the Locust Dale, Virginia monthly average car insurance rates of $200/month compare to nearby cities like Newport News car insurance rates, Roanoke car insurance rates, and Virginia Beach car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Locust Dale, VA.

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

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

What are the minimum Locust Dale, VA car insurance requirements?

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

Minimum Required Car Insurance Coverage in Locust Dale, 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 Locust Dale, VA car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Locust Dale, 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 $1,993 $1,884 $1,980 $1,980 $6,233 $7,190 $2,592 $2,602
GEICO $1,578 $1,578 $1,496 $1,496 $3,315 $4,446 $1,833 $1,818
Nationwide $1,430 $1,440 $1,268 $1,305 $3,388 $4,375 $1,576 $1,719
Progressive $1,343 $1,280 $1,207 $1,213 $6,070 $6,835 $1,630 $1,670
State Farm $1,465 $1,465 $1,318 $1,318 $4,379 $5,503 $1,655 $1,903
USAA $1,077 $1,062 $1,008 $1,015 $3,308 $3,932 $1,386 $1,525

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

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

Annual Car Insurance Rates for Teen Drivers in Locust Dale, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,233 $7,190
GEICO $3,315 $4,446
Nationwide $3,388 $4,375
Progressive $6,070 $6,835
State Farm $4,379 $5,503
USAA $3,308 $3,932

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

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

Annual Car Insurance Rates for Senior Drivers in Locust Dale, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,980 $1,980
GEICO $1,496 $1,496
Nationwide $1,268 $1,305
Progressive $1,207 $1,213
State Farm $1,318 $1,318
USAA $1,008 $1,015

How does coverage level affect Locust Dale, 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 Locust Dale, VA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Locust Dale, Virginia

Insurance Company Low Medium High
Allstate $3,228 $3,308 $3,384
GEICO $2,110 $2,192 $2,283
Nationwide $2,168 $2,042 $1,977
Progressive $2,537 $2,625 $2,805
State Farm $2,240 $2,372 $2,515
USAA $1,711 $1,792 $1,864

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

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

Annual Locust Dale, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,482 $3,926 $3,628 $3,191
GEICO $1,663 $2,164 $3,291 $1,663
Nationwide $1,793 $1,793 $2,630 $2,035
Progressive $2,274 $2,998 $2,706 $2,646
State Farm $2,172 $2,580 $2,376 $2,376
USAA $1,386 $1,801 $2,375 $1,594

How does a DUI affect Locust Dale, VA car insurance rates?

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

Annual Car Insurance Rates After a DUI in Locust Dale, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,628
GEICO $3,291
Nationwide $2,630
Progressive $2,706
State Farm $2,376
USAA $2,375

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

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

Annual Car Insurance Rates by Credit Score in Locust Dale, Virginia

Insurance Company Poor Fair Good
Allstate $4,030 $3,229 $2,662
GEICO $2,439 $2,073 $2,073
Nationwide $2,445 $1,962 $1,781
Progressive $2,971 $2,586 $2,411
State Farm $3,379 $2,094 $1,654
USAA $2,388 $1,631 $1,348

How does your commute affect Locust Dale, VA car insurance rates?

Locust Dale, 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 Locust Dale if you’re financing.

Annual Car Insurance Rates by Commute Length in Locust Dale, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,208 $3,405
GEICO $2,154 $2,236
Nationwide $2,063 $2,063
Progressive $2,656 $2,656
State Farm $2,318 $2,434
USAA $1,723 $1,855

Who has the cheapest Locust Dale, VA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Locust Dale, Virginia

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

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What are the top Locust Dale, VA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Locust Dale, Virginia

Insurance Company Average Annual Rates
Allstate $3,307
GEICO $2,195
Nationwide $2,063
Progressive $2,656
State Farm $2,376
USAA $1,789

Car Insurance Quotes for Locust Dale, VA

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