Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 23004, VA
We monitor insurance prices, helping the average driver in 23004 save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in 23004
The chart below shows the cheapest car insurance company in 23004 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.
| 23004 Insurer | Monthly Cost |
|---|---|
| Metromile | $45 |
| Geico | $51 |
| Farm Bureau | $54 |
| Safeco Insurance | $57 |
Savings for Every Kind of 23004 Driver
Based on our extensive insurance data, we know the average 23004 driver will save about 38% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $470 per year by choosing the right vehicle insurance company. Some 23004 residents are paying out over $1,248 extra every year for auto insurance in 23004. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
23004, VA Savings / Yr. |
|---|---|
$470 |
|
$803 |
|
$687 |
|
$672 |
|
$1,099 |
|
$252 |
|
$453 |
23004 Car Insurance vs. Virginia
People living in 23004 pay an average of 2.68% more than the typical driver in the state. The average driver in 23004 can expect to pay about $864 per year, or $1,248 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in 23004 for most people.
Car Insurance Prices by 23004 Neighborhood
Insurance Prices
Where is insurance cheapest within 23004?
The map shows insurance prices in and around 23004, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $47 per year within the zip boundaries, with insurance premiums ranging from a high of $1,285 to a low of $1,238. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of 23004.Pick the Best Car Insurance Company for You in 23004
The best car insurance provider for most drivers in 23004
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $470 over the average 23004 car insurance company.
The best car insurance provider for 23004 drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $803 over the competition.
The best car insurance company for 23004 drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $687 better than other car insurance companies.
The best auto insurance for 23004 drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $672 less each year.
The least expensive car insurance company for new and young drivers in 23004
In 23004, Erie Insurance costs young drivers $1,099 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 23004
Farm Bureau gave the largest car insurance discounts to married couples, averaging $252 saved each year compared to an average 23004 couple's premiums.
The cheapest car insurance in 23004 for drivers with bad credit
The best 23004 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 23004, which was better than other insurers.
The cheapest large national provider in 23004
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 23004 driver can expect to pay about $89 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 23004, USAA has the best prices for young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around 23004
What Influences the Cost of Car Insurance in 23004?
On average, car insurance in 23004 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 23004 is 50 minutes, which is far more than average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 23004 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- 23004 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 23004 is $72 per month for minimum coverage and $104 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 23123: Insurance costs 1.44% more
- 23022: Insurance costs 1.20% less
- 23936: Insurance costs 0.48% less
- 23055: Insurance costs 0.24% more
- 24562: Insurance costs 1.28% less
- 23921: Insurance costs 0.16% less
- 23027: Insurance costs 0.16% less
- 23040: Insurance costs 0.32% more
- 23038: Insurance costs 0.16% less
- 22969: Insurance costs 2.88% less
Zip Codes with Similar Populations
- 50522: Insurance costs 2.40% less
- 73528: Insurance costs 34.62% more
- 72079: Insurance costs 35.02% more
- 72036: Insurance costs 40.38% more
- 66868: Insurance costs 20.43% more
- 66710: Insurance costs 24.20% more
- 65732: Insurance costs 45.03% more
- 65034: Insurance costs 41.59% more
- 64021: Insurance costs 42.39% more
- 58348: Insurance costs 17.79% more