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Get Cheap Car Insurance in Fair Oaks, VA

We monitor insurance prices, helping the average driver in Fair Oaks save up to 38.8% on car insurance.

 

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The Cheapest Minimum Coverage in Fair Oaks

The chart below shows the cheapest car insurance company in Fair Oaks 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.

 
Fair Oaks Insurer Monthly Cost
Metromile $47
Geico $53
Farm Bureau $56
Safeco Insurance $59

Savings for Every Kind of Fair Oaks Driver

The table shows how much the average auto insurance customer in Fair Oaks might save by following our recommendations.

Based on our extensive insurance data, we know the average Fair Oaks 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 $489 per year by choosing the right vehicle insurance company. Some Fair Oaks residents are paying out over $1,297 extra every year for auto insurance in Fair Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fair Oaks, VA Savings / Yr.
Drivers with good records
$489
Drivers with accidents
$835
Drivers with speeding tickets
$714
Drivers with a DUI conviction
$698
Young drivers
$1,142
Married drivers
$262
Drivers with bad credit
$471

Fair Oaks Car Insurance vs. Virginia

People living in Fair Oaks pay an average of 6.76% more than the typical driver in the state. The average driver in Fair Oaks can expect to pay about $898 per year, or $1,297 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Fair Oaks for most people.

Car Insurance Prices by Fair Oaks Neighborhood

Fair Oaks, VA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Fair Oaks?

The map shows insurance prices in and around Fair Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $84 per year within the city boundaries, with insurance premiums ranging from a high of $1,339 to a low of $1,255. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Fair Oaks.

Pick the Best Car Insurance Company for You in Fair Oaks

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 Fair Oaks insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fair Oaks

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $489 over the average Fair Oaks car insurance company.

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We use the average good driver, paying $67 per month, as our baseline for pricing in Fair Oaks. 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 Fair Oaks drivers with accidents on their records

In Fair Oaks getting into an accident will raise premiums an average 40% for a yearly cost of $2,151. That's $854 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 $835 over the competition.

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The best car insurance company for Fair Oaks drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $714 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 Fair Oaks, tickets raise premiums on new quotes about $601. If you have a speeding ticket, we recommend State Farm, Metromile, and Farm Bureau for savings that beat the average insurance cost of $1,898 per year.

The best auto insurance for Fair Oaks drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,084 per year in auto insurance premiums, which was $787 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 $698 less each year.

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The least expensive car insurance company for new and young drivers in Fair Oaks

In Fair Oaks, Erie Insurance costs young drivers $1,142 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 Fair Oaks. With an average cost of $4,142 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 Fair Oaks

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $128. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Fair Oaks.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $262 saved each year compared to an average Fair Oaks couple's premiums.

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The cheapest car insurance in Fair Oaks for drivers with bad credit

People with poor credit saved an average of $471 with Farm Bureau.

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Many people are surprised that their poor credit score can cost them an average of $645 every year. Premiums for people with poor credit were about $1,942 in Fair Oaks. 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 Fair Oaks car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fair Oaks, 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 Fair Oaks.

Nationwide was the best company for customer service in Fair Oaks 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 Fair Oaks, 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 Fair Oaks. 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 Fair Oaks

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 46% of Fair Oaks residents who are renting, and don't plan to be in the city 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 Fair Oaks 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 Fair Oaks, 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 Fair Oaks

What Influences the Cost of Car Insurance in Fair Oaks?

On average, car insurance in Fair Oaks 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 city are influenced by the following factors:

  • The average commute time in Fair Oaks is 41 minutes, which is a little more than average for a driver in the state.
  • Virginia state insurance regulations may allow for lower prices.
  • An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Fair Oaks are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Fair Oaks is one of the least populated areas in the state. The city’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 Fair Oaks is $75 per month for minimum coverage and $108 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 Cities

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* Who is the average Fair Oaks driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fair Oaks 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.