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Get Cheap Car Insurance in Madison Heights, VA
We monitor insurance prices, helping the average driver in Madison Heights save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Madison Heights
The chart below shows the cheapest car insurance company in Madison Heights 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.
| Madison Heights Insurer | Monthly Cost |
|---|---|
| Metromile | $43 |
| Geico | $49 |
| Farm Bureau | $52 |
| Safeco Insurance | $55 |
Savings for Every Kind of Madison Heights Driver
Based on our extensive insurance data, we know the average Madison Heights 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 Madison Heights residents are paying out over $1,208 extra every year for auto insurance in Madison Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Madison Heights, VA Savings / Yr. |
|---|---|
$455 |
|
$777 |
|
$665 |
|
$650 |
|
$1,064 |
|
$244 |
|
$438 |
Madison Heights Car Insurance vs. Virginia
People living in Madison Heights pay an average of 0.60% less than the typical driver in the state. The average driver in Madison Heights 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 Madison Heights for most people.
Car Insurance Prices by Madison Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Madison Heights?
The map shows insurance prices in and around Madison Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $111 per year within the city boundaries, with insurance premiums ranging from a high of $1,276 to a low of $1,165. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Madison Heights.Pick the Best Car Insurance Company for You in Madison Heights
The best car insurance provider for most drivers in Madison Heights
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $455 over the average Madison Heights car insurance company.
The best car insurance provider for Madison Heights 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 $777 over the competition.
The best car insurance company for Madison Heights drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $665 better than other car insurance companies.
The best auto insurance for Madison Heights drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $650 less each year.
The least expensive car insurance company for new and young drivers in Madison Heights
In Madison Heights, Erie Insurance costs young drivers $1,064 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Madison Heights
Farm Bureau gave the largest car insurance discounts to married couples, averaging $244 saved each year compared to an average Madison Heights couple's premiums.
The cheapest car insurance in Madison Heights for drivers with bad credit
The best Madison Heights car insurance company for customer service
Nationwide was the best company for customer service in Madison Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Madison Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Madison Heights 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 Madison Heights, 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 Madison Heights
What Influences the Cost of Car Insurance in Madison Heights?
On average, car insurance in Madison Heights 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 Madison Heights is 30 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 to 1 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Madison Heights 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.
- Madison Heights has an average population density in the state. The city’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 Madison Heights 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 Cities
- Coolwell: Insurance costs 2.07% less
- Joshua Falls: Insurance costs 1.32% less
- Elon: Insurance costs 3.73% less
- Galts Mill: Insurance costs 1.24% more
- East Brook: Insurance costs 0.17% less
- Monroe: Insurance costs 2.07% less
- Lynchburg: Insurance costs 1.49% less
- Sweet Briar: Insurance costs 2.24% less
- Stapleton: Insurance costs 0.25% less
- Stonewall: Insurance costs 1.24% less
Cities with Similar Populations
- Whitefish Bay: Insurance costs 2.65% less
- Discovery Bay: Insurance costs 69.62% more
- Douglassville: Insurance costs 12.25% more
- Druid Hills: Insurance costs 58.69% more
- Dubois: Insurance costs 9.85% more
- Dumas: Insurance costs 67.55% more
- Duncan: Insurance costs 34.27% more
- Dunkirk: Insurance costs 90.65% more
- Duxbury: Insurance costs 33.36% more
- East Cleveland: Insurance costs 11.59% more