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Get Cheap Car Insurance in Colonial Heights City, VA

We monitor insurance prices, helping the average driver in Colonial Heights City save up to 38.8% on car insurance.

 

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The Cheapest Minimum Coverage in Colonial Heights City

The chart below shows the cheapest car insurance company in Colonial Heights City 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.

 
Colonial Heights City Insurer Monthly Cost
Metromile $43
Geico $49
Farm Bureau $52
Safeco Insurance $55

Savings for Every Kind of Colonial Heights City Driver

The table shows how much the average auto insurance customer in Colonial Heights City might save by following our recommendations.

Based on our extensive insurance data, we know the average Colonial Heights City 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 $455 per year by choosing the right vehicle insurance company. Some Colonial Heights City residents are paying out over $1,208 extra every year for auto insurance in Colonial Heights City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Colonial Heights City, VA Savings / Yr.
Drivers with good records
$455
Drivers with accidents
$777
Drivers with speeding tickets
$665
Drivers with a DUI conviction
$650
Young drivers
$1,064
Married drivers
$244
Drivers with bad credit
$438

Colonial Heights City Car Insurance vs. Virginia

People living in Colonial Heights City pay an average of 0.60% less than the typical driver in the state. The average driver in Colonial Heights City can expect to pay about $836 per year, or $1,208 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Colonial Heights City for most people.

Car Insurance Prices by Colonial Heights City Neighborhood

Colonial Heights City, VA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Colonial Heights City?

The map shows insurance prices in and around Colonial Heights City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $195 per year within the county boundaries, with insurance premiums ranging from a high of $1,336 to a low of $1,141. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Colonial Heights City.

Pick the Best Car Insurance Company for You in Colonial Heights City

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Colonial Heights City insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Colonial Heights City

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $455 over the average Colonial Heights City car insurance company.

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We use the average good driver, paying $63 per month, as our baseline for pricing in Colonial Heights City. Metromile, Elephant, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Colonial Heights City drivers with accidents on their records

In Colonial Heights City getting into an accident will raise premiums an average 40% for a yearly cost of $2,003. That's $795 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and Farm Bureau are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $777 over the competition.

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The best car insurance company for Colonial Heights City drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $665 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Colonial Heights City, tickets raise premiums on new quotes about $560. If you have a speeding ticket, we recommend State Farm, Metromile, and Farm Bureau for savings that beat the average insurance cost of $1,767 per year.

The best auto insurance for Colonial Heights City drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,940 per year in auto insurance premiums, which was $733 more than a driver with no major issues. Farm Bureau, Clearcover, and Elephant penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $650 less each year.

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The least expensive car insurance company for new and young drivers in Colonial Heights City

In Colonial Heights City, Erie Insurance costs young drivers $1,064 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Colonial Heights City. With an average cost of $3,857 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Colonial Heights City

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $119. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Colonial Heights City.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $244 saved each year compared to an average Colonial Heights City couple's premiums.

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The cheapest car insurance in Colonial Heights City for drivers with bad credit

People with poor credit saved an average of $438 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $600 every year. Premiums for people with poor credit were about $1,808 in Colonial Heights City. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Elephant.

The best Colonial Heights City car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Colonial Heights City, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Colonial Heights City.

Nationwide was the best company for customer service in Colonial Heights City according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Colonial Heights City, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Colonial Heights City. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Colonial Heights City

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of Colonial Heights City residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Colonial Heights City driver can expect to pay about $89 per month.

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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 Colonial Heights City, 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.
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Auto Insurance Prices in and Around Colonial Heights City

What Influences the Cost of Car Insurance in Colonial Heights City?

On average, car insurance in Colonial Heights City is actually less expensive than the rest of the state. These low 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 county are influenced by the following factors:

  • The average commute time in Colonial Heights City is 28 minutes, which is a little less 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 Colonial Heights City are lower than average 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.
  • Colonial Heights City is one of the least populated areas in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Colonial Heights City is $70 per month for minimum coverage and $101 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 Counties

Counties with Similar Populations

* Who is the average Colonial Heights City driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Colonial Heights City with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.