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Get Cheap Car Insurance in Phlegar, VA
We monitor insurance prices, helping the average driver in Phlegar save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Phlegar
The chart below shows the cheapest car insurance company in Phlegar 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.
| Phlegar Insurer | Monthly Cost |
|---|---|
| Metromile | $43 |
| Geico | $48 |
| Farm Bureau | $51 |
| Safeco Insurance | $54 |
Savings for Every Kind of Phlegar Driver
Based on our extensive insurance data, we know the average Phlegar 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 $447 per year by choosing the right vehicle insurance company. Some Phlegar residents are paying out over $1,185 extra every year for auto insurance in Phlegar. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Phlegar, VA Savings / Yr. |
|---|---|
$447 |
|
$763 |
|
$652 |
|
$638 |
|
$1,044 |
|
$239 |
|
$430 |
Phlegar Car Insurance vs. Virginia
People living in Phlegar pay an average of 2.47% less than the typical driver in the state. The average driver in Phlegar can expect to pay about $820 per year, or $1,185 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Phlegar for most people.
Car Insurance Prices by Phlegar Neighborhood
Insurance Prices
Where is insurance cheapest within Phlegar?
The map shows insurance prices in and around Phlegar, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1 per year within the city boundaries, with insurance premiums ranging from a high of $1,186 to a low of $1,185. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Phlegar.Pick the Best Car Insurance Company for You in Phlegar
The best car insurance provider for most drivers in Phlegar
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $447 over the average Phlegar car insurance company.
The best car insurance provider for Phlegar 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 $763 over the competition.
The best car insurance company for Phlegar drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $652 better than other car insurance companies.
The best auto insurance for Phlegar drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $638 less each year.
The least expensive car insurance company for new and young drivers in Phlegar
In Phlegar, Erie Insurance costs young drivers $1,044 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Phlegar
Farm Bureau gave the largest car insurance discounts to married couples, averaging $239 saved each year compared to an average Phlegar couple's premiums.
The cheapest car insurance in Phlegar for drivers with bad credit
The best Phlegar car insurance company for customer service
Recent price drops
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The cheapest large national provider in Phlegar
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Phlegar 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 Phlegar, 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 Phlegar
What Influences the Cost of Car Insurance in Phlegar?
On average, car insurance in Phlegar 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 Phlegar is 34 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 5 to 6 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Phlegar are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Phlegar 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 Phlegar is $68 per month for minimum coverage and $99 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
- Pumpkin Center: Insurance costs 0.68% more
- Penvir: Insurance costs 0.08% more
- Holly Brook: Insurance costs 1.10% more
- Round Bottom: Insurance costs 0.51% more
- Thessalia: Insurance costs the same
- Willowton: Insurance costs 22.70% more
- Ingleside: Insurance costs 26.84% more
- Mechanicsburg: Insurance costs 1.01% less
- Western: Insurance costs the same
- Rocky Gap: Insurance costs 2.45% more
Cities with Similar Populations
- Lily: Insurance costs 33.84% more
- La Loma: Insurance costs 24.14% more
- Ladner: Insurance costs 49.45% more
- Lagunita: Insurance costs 28.95% more
- Lakeview: Insurance costs 70.63% more
- Langtry: Insurance costs 40.76% more
- Lark: Insurance costs 59.49% more
- Laurelburg: Insurance costs 10.55% more
- Lee: Insurance costs 15.78% more
- Lemington: Insurance costs 2.78% more