Cheap Quotes for Ophelia, VA Car Insurance (2021)

Ophelia, Virginia car insurance rates average $187 a month and Virginia law requires coverage of at least 25/50/20. By comparing rates from multiple Ophelia, VA companies, you can find cheap Ophelia 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 Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Ophelia is USAA
  • Average car insurance rates in Ophelia, VA are $187/month
  • Average car insurance rates in Ophelia, VA for senior drivers are $1,311/year

How do the Ophelia, Virginia monthly average car insurance rates of $187/month compare to nearby cities like Alexandria car insurance rates, Suffolk car insurance rates, and Hampton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Ophelia, VA.

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

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

What are the minimum Ophelia, VA car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ophelia, 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 $2,015 $1,901 $2,005 $2,005 $6,296 $7,230 $2,621 $2,621
GEICO $1,490 $1,493 $1,413 $1,413 $3,090 $4,147 $1,729 $1,719
Nationwide $1,364 $1,375 $1,210 $1,247 $3,168 $4,103 $1,500 $1,640
Progressive $1,212 $1,159 $1,089 $1,096 $5,361 $6,034 $1,469 $1,507
State Farm $1,269 $1,269 $1,133 $1,133 $3,640 $4,593 $1,430 $1,631
USAA $1,064 $1,054 $983 $1,001 $3,143 $3,759 $1,377 $1,521

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

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

Annual Car Insurance Rates for Teen Drivers in Ophelia, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,296 $7,230
GEICO $3,090 $4,147
Nationwide $3,168 $4,103
Progressive $5,361 $6,034
State Farm $3,640 $4,593
USAA $3,143 $3,759

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

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

Annual Car Insurance Rates for Senior Drivers in Ophelia, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,005 $2,005
GEICO $1,413 $1,413
Nationwide $1,210 $1,247
Progressive $1,089 $1,096
State Farm $1,133 $1,133
USAA $983 $1,001

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

Annual Car Insurance Rates by Coverage Level in Ophelia, Virginia

Insurance Company Low Medium High
Allstate $3,234 $3,337 $3,439
GEICO $1,983 $2,059 $2,142
Nationwide $2,044 $1,932 $1,877
Progressive $2,263 $2,339 $2,496
State Farm $1,897 $2,008 $2,131
USAA $1,670 $1,741 $1,803

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

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

Annual Ophelia, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,496 $3,987 $3,647 $3,216
GEICO $1,560 $2,032 $3,095 $1,560
Nationwide $1,695 $1,695 $2,488 $1,925
Progressive $2,034 $2,661 $2,409 $2,360
State Farm $1,849 $2,176 $2,012 $2,012
USAA $1,352 $1,743 $2,305 $1,551

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

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

Annual Car Insurance Rates After a DUI in Ophelia, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,647
GEICO $3,095
Nationwide $2,488
Progressive $2,409
State Farm $2,012
USAA $2,305

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

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

Annual Car Insurance Rates by Credit Score in Ophelia, Virginia

Insurance Company Poor Fair Good
Allstate $4,063 $3,258 $2,689
GEICO $2,290 $1,947 $1,947
Nationwide $2,311 $1,856 $1,685
Progressive $2,651 $2,302 $2,145
State Farm $2,860 $1,774 $1,402
USAA $2,330 $1,581 $1,302

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

Ophelia, 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 Ophelia if you’re financing.

Annual Car Insurance Rates by Commute Length in Ophelia, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,235 $3,438
GEICO $2,023 $2,101
Nationwide $1,951 $1,951
Progressive $2,366 $2,366
State Farm $1,963 $2,062
USAA $1,673 $1,802

Who has the cheapest Ophelia, VA car insurance rates?

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

Best Annual Car Insurance Rates by Company in Ophelia, Virginia

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

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What are the top Ophelia, VA car insurance companies?

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

Average Annual Car Insurance Rates by Company in Ophelia, Virginia

Insurance Company Average Annual Rates
Allstate $3,337
GEICO $2,062
Nationwide $1,951
Progressive $2,366
State Farm $2,012
USAA $1,738

Car Insurance Quotes for Ophelia, VA

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