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Get Cheap Car Insurance in Montpelier, VA
We monitor insurance prices, helping the average driver in Montpelier save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Montpelier
The chart below shows the cheapest car insurance company in Montpelier 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.
| Montpelier Insurer | Monthly Cost |
|---|---|
| Metromile | $44 |
| Geico | $50 |
| Farm Bureau | $53 |
| Safeco Insurance | $56 |
Savings for Every Kind of Montpelier Driver
Based on our extensive insurance data, we know the average Montpelier 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 $461 per year by choosing the right vehicle insurance company. Some Montpelier residents are paying out over $1,222 extra every year for auto insurance in Montpelier. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Montpelier, VA Savings / Yr. |
|---|---|
$461 |
|
$787 |
|
$673 |
|
$658 |
|
$1,077 |
|
$246 |
|
$444 |
Montpelier Car Insurance vs. Virginia
People living in Montpelier pay an average of 0.61% more than the typical driver in the state. The average driver in Montpelier can expect to pay about $846 per year, or $1,222 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Montpelier for most people.
Car Insurance Prices by Montpelier Neighborhood
Insurance Prices
Where is insurance cheapest within Montpelier?
The map shows insurance prices in and around Montpelier, 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 $1,246 to a low of $1,162. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southwest parts of Montpelier.Pick the Best Car Insurance Company for You in Montpelier
The best car insurance provider for most drivers in Montpelier
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $461 over the average Montpelier car insurance company.
The best car insurance provider for Montpelier 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 $787 over the competition.
The best car insurance company for Montpelier drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $673 better than other car insurance companies.
The best auto insurance for Montpelier drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $658 less each year.
The least expensive car insurance company for new and young drivers in Montpelier
In Montpelier, Erie Insurance costs young drivers $1,077 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Montpelier
Farm Bureau gave the largest car insurance discounts to married couples, averaging $246 saved each year compared to an average Montpelier couple's premiums.
The cheapest car insurance in Montpelier for drivers with bad credit
The best Montpelier car insurance company for customer service
Nationwide was the best company for customer service in Montpelier according to the NAIC.
Recent price drops
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The cheapest large national provider in Montpelier
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Montpelier 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 Montpelier, 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 Montpelier
What Influences the Cost of Car Insurance in Montpelier?
On average, car insurance in Montpelier 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 Montpelier is 44 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 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Montpelier are higher 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.
- Montpelier is a fairly densely populated area 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 Montpelier is $71 per month for minimum coverage and $102 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
- Locust Creek: Insurance costs 1.39% less
- Rockville: Insurance costs 2.70% less
- Beaverdam: Insurance costs 1.31% less
- Dabneys: Insurance costs 0.65% less
- Hewlett: Insurance costs 2.29% less
- Gum Tree: Insurance costs 2.54% less
- North Anna: Insurance costs 0.33% more
- Verdon: Insurance costs 1.15% less
- Bumpass: Insurance costs 0.98% more
- Shelfar: Insurance costs 0.57% more
Cities with Similar Populations
- Ronan: Insurance costs 30.85% more
- Indian River Estates: Insurance costs 111.87% more
- Ingram: Insurance costs 33.06% more
- Inola: Insurance costs 39.20% more
- Interlochen: Insurance costs 124.80% more
- Inverness Highlands South: Insurance costs 98.12% more
- Inwood: Insurance costs 120.54% more
- Resaca: Insurance costs 40.92% more
- Rindge: Insurance costs 1.23% less
- Riverdale: Insurance costs 55.24% more