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 Locust Dale, VA
We monitor insurance prices, helping the average driver in Locust Dale save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Locust Dale
The chart below shows the cheapest car insurance company in Locust Dale 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.
| Locust Dale Insurer | Monthly Cost |
|---|---|
| Metromile | $43 |
| Geico | $49 |
| Farm Bureau | $51 |
| Safeco Insurance | $54 |
Savings for Every Kind of Locust Dale Driver
Based on our extensive insurance data, we know the average Locust Dale 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 $451 per year by choosing the right vehicle insurance company. Some Locust Dale residents are paying out over $1,195 extra every year for auto insurance in Locust Dale. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Locust Dale, VA Savings / Yr. |
|---|---|
$451 |
|
$769 |
|
$658 |
|
$643 |
|
$1,053 |
|
$241 |
|
$434 |
Locust Dale Car Insurance vs. Virginia
People living in Locust Dale pay an average of 1.62% less than the typical driver in the state. The average driver in Locust Dale can expect to pay about $827 per year, or $1,195 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Locust Dale for most people.
Car Insurance Prices by Locust Dale Neighborhood
Insurance Prices
Where is insurance cheapest within Locust Dale?
The map shows insurance prices in and around Locust Dale, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $63 per year within the city boundaries, with insurance premiums ranging from a high of $1,250 to a low of $1,187. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Locust Dale.Pick the Best Car Insurance Company for You in Locust Dale
The best car insurance provider for most drivers in Locust Dale
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $451 over the average Locust Dale car insurance company.
The best car insurance provider for Locust Dale 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 $769 over the competition.
The best car insurance company for Locust Dale drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $658 better than other car insurance companies.
The best auto insurance for Locust Dale drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $643 less each year.
The least expensive car insurance company for new and young drivers in Locust Dale
In Locust Dale, Erie Insurance costs young drivers $1,053 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Locust Dale
Farm Bureau gave the largest car insurance discounts to married couples, averaging $241 saved each year compared to an average Locust Dale couple's premiums.
The cheapest car insurance in Locust Dale for drivers with bad credit
The best Locust Dale car insurance company for customer service
Nationwide was the best company for customer service in Locust Dale according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Locust Dale, which was better than other insurers.
The cheapest large national provider in Locust Dale
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Locust Dale 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 Locust Dale, 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 Locust Dale
What Influences the Cost of Car Insurance in Locust Dale?
On average, car insurance in Locust Dale 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 city are influenced by the following factors:
- The average commute time in Locust Dale is 35 minutes, which is about the national 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 Locust Dale are about 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.
- Locust Dale is a lightly populated area 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 Locust Dale is $69 per month for minimum coverage and $100 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
- Oakpark: Insurance costs 0.50% less
- Brightwood: Insurance costs 0.08% less
- Rapidan: Insurance costs 3.10% more
- Winston: Insurance costs 2.18% more
- Leon: Insurance costs 0.08% more
- Mitchells: Insurance costs 4.60% more
- Aroda: Insurance costs 0.59% less
- Reva: Insurance costs 2.85% more
- Woodberry Forest: Insurance costs 0.42% more
- Radiant: Insurance costs 0.50% less
Cities with Similar Populations
- Cherokee: Insurance costs 37.41% more
- Wall: Insurance costs 20.59% more
- Vanderbilt: Insurance costs 34.81% more
- Upper Lisle: Insurance costs 73.89% more
- Unity: Insurance costs 7.03% less
- Union: Insurance costs 6.78% less
- Compton: Insurance costs 19.08% more
- Collins: Insurance costs 11.21% less
- Cold Spring: Insurance costs 40.42% more
- Cochiti Pueblo: Insurance costs 28.70% more