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Cheap Auto Insurance Quotes in Ashburn, VA, for August 2022

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated June 29, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Ashburn, VA

Car insurance coverage varies in cost depending on the state and city a driver lives in. In Ashburn, VA, auto insurance coverage fluctuates in cost depending on a person’s driving and accident history, credit history, age, insurance needs, insurance provider, and more. The best way to find a good rate is to compare auto insurance rates with Insurify.

Quick Facts

  • The average cost of car insurance in Ashburn is $180 per month or $2,160 annually.
  • Car insurance in Ashburn is $27 less than the average cost of insurance in Virginia.
  • The cheapest car insurance provider in Ashburn on average is Metromile, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Metromile
$84
Grange
$105
State Auto
$108
Elephant
$116
Travelers
$116

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Cheapest Car Insurance in Ashburn, VA

What is the cheapest car insurance in Ashburn?

Metromile is the cheapest car insurance option on average in Ashburn, with rates starting at $84 per month. It’s still important to compare car insurance quotes, as everyone’s situation is different.

Insurance providers in Ashburn calculate auto insurance premiums by considering factors like driving and accident history, credit score history, age, coverage needs, and more. The chart below shows more than two dozen quality auto insurers offering cheap auto insurance rates for customers in the area. Included insurance options range from just $84 to $462 per month.

Insurance CompanyAverage Monthly Quote
Metromile$84
Grange$105
State Auto$108
Elephant$116
Travelers$116
Clearcover$116
Progressive$141
SafeAuto$144
Safeco$146
Kemper Preferred$163
Midvale Home & Auto$164
Nationwide$165
AssuranceAmerica$171
Liberty Mutual$173
Bristol West$176
GAINSCO$176
National General$181
Dairyland$202
Mercury$202
Kemper Speciality$212
Direct Auto$218
The General$269
Stillwater$305
CSAA$462
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Ashburn, VA

The Insurify Composite Score assigned to insurance providers has been calculated using financial strength ratings, J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, and user-generated company reviews. The chart below highlights ICS ratings and affordable rates from the best available insurers.

Best CompaniesICSAverage Monthly Quote
Clearcover97$116
Nationwide89$165
Safeco86$146
Liberty Mutual82$173
Travelers80$116
State Auto76$108
National General58$181
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

See More: Best Car Insurance Companies

Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Ashburn Car Insurance Rates by Driver Age

Insurance agents at various companies value older drivers with more experience, rewarding them with affordable insurance rates. Younger drivers—specifically teens and those in their 20s—pay the highest rates because of their lack of experience behind the wheel. In Virginia, rates tend to decrease for people through their 60s and slowly rise for those 70 and older.

Driver’s AgeAverage Monthly Cost
Teens$357
20s$225
30s$166
40s$170
50s$155
60s$134
70s$137
80+$145
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Ashburn Car Insurance Rates by Driving and Accident History

A significant indicator of insurance costs is a person’s driving record and accident history. Drivers with any recorded speeding tickets, at-fault accidents, or DUIs face increased rates from the average. Drivers with clean records and no violations, on the other hand, benefit from cheap rates. Check the chart below to see projected rates for driver history.

Driver HistoryAverage Monthly Cost
Clean Record$149
Speeding Ticket$200
At-Fault Accident$218
DUI$297
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Ashburn Car Insurance Rates by Credit Tier

Like in many other states, auto insurance companies in Virginia consider not only a person’s driving record when setting a car insurance policy rate but also their credit score. Drivers with excellent and good credit histories tend to pay less per month than those with average and poor credit histories. The chart below contains car insurance quotes by credit tier.

Credit TierAverage Monthly Cost
Excellent$150
Good$179
Average$195
Poor$302
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Ashburn

Finding a provider that meets the insurance needs of you and your loved ones is crucial—even if you fear the associated price tag on top of other costs associated with homeowners insurance, renters insurance, life insurance, or business insurance. Luckily, ample methods exist that allow drivers to score discounts and lower rates on their individualized insurance.

With Insurify, you can easily compare car insurance quotes from dozens of affordable regional and national providers that match up with your individualized insurance needs, driving history, vehicle type, and more. Before committing to an insurance agency, try the comparison tool out for yourself from the convenience of your home to see how much you can save.

For more detailed Virginia city guides, check out these below

Frequently Asked Questions

  • Individuals looking for cheap car insurance in Ashburn, Virginia, can find savings through a number of driver-based discounts, bundling auto insurance with renters or home insurance, and shopping around for car insurance before purchasing or renewing an auto insurance policy. Try comparing car insurance with Insurify to see dozens of rates from top providers.

  • Car insurance rates vary depending on the type of coverage purchased, driving and accident history, credit history, age, insurance provider, and more. On this page, Insurify identified the best providers in Ashburn offering quality insurance for affordable prices, with options including regional and national providers ranging from $84 monthly with Metromile to $462 with CSAA.

  • Car insurance rates in Ashburn increase for similar reasons to many other cities and states. A major cause of increased rates relates to driving and accident history. Drivers with past DUIs, speeding tickets, failures to stop, or at-fault accidents tend to pay higher rates than those with clean records. Additionally, young drivers and drivers with poor credit histories face higher rates.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Katie Powers
Katie Powers
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Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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Sources

  1. Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022