4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Fairfax, VA, for October 2022

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Jamie Vassar

By: Jamie Vassar

Edited by Olivia Oksenhorn

Updated June 28, 2022

Quick Facts

  • The average cost of car insurance in Fairfax is $177 per month or $2,124 annually.

  • Car insurance in Fairfax is $30 less than the average cost of insurance in Virginia.

  • The cheapest top car insurance provider in Fairfax on average is Progressive.

Car Insurance in Fairfax, VA

The average driver spends around $177 per month for auto insurance coverage in Fairfax, Virginia. That amount is $30 less than the average cost of car insurance for the state. Though there are many affordable options available, many factors go into calculating car insurance quotes, such as the age and gender of the driver, year of the vehicle, and driving history.

Quotes by Top Companies

Progressive
$132
Travelers
$139
State Auto
$141
Nationwide
$151
Liberty Mutual
$182

See More:

Cheap Car Insurance Virginia

Compare Car Insurance

Cheapest Car Insurance in Fairfax, VA

What is the cheapest car insurance in Fairfax?

Progressive is the cheapest top car insurance provider on average in Fairfax, with rates starting at $132 per month. It’s still important to compare car insurance rates because everyone’s situation is unique.

The quotes below are averages, and your individual rate will vary based on your personal driving details, so you should always compare quotes to find your best personal rate. The majority of the providers in the city fall under the $200 per month range, making many plans very budget-friendly.

Insurance CompanyAverage Monthly Quote
Progressive$132
Travelers$139
State Auto$141
Nationwide$151
Liberty Mutual$182
National General$198
Bristol West$200
CSAA$231
Dairyland$294
Metromile$71
Grange$97
Clearcover$120
Elephant$122
Kemper Preferred$123
Safeco$156
SafeAuto$162
Midvale Home & Auto$162
GAINSCO$173
Acuity$180
Stillwater$182
AssuranceAmerica$189
Mercury$195
Kemper Specialty$218
Direct Auto$234
The General$363
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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.

Fairfax Car Insurance Rates by Driving and Accident History

Your driving record is a main factor that insurance providers evaluate to calculate payments[2]. If a driver is more likely to file an insurance claim due to past behavior, they will ultimately pay a higher monthly cost to offset that risk. For example, a driver with a clean record in Fairfax can expect to pay around $168, while a driver with a DUI on their record could pay about $334.

Driver HistoryAverage Monthly Cost
Clean Record$168
Speeding Ticket$225
At-Fault Accident$245
DUI$334
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Virginia

DUI Car Insurance Virginia

Fairfax Car Insurance Rates by Credit Tier

Similarly, credit score can help providers predict the reliability of a driver, and therefore, the more reliable drivers are rewarded with lower rates[3]. In Fairfax, drivers with excellent credit could be paying a lot less per month than drivers with poor credit. Small decisions involving credit can save drivers a lot of money over time.

Credit TierAverage Monthly Cost
Excellent$159
Good$187
Average$206
Poor$319
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Fairfax

Like in any city, drivers in Fairfax get the cheapest insurance by keeping safe driving in mind to lower risk factors like accidents, impaired driving, and speeding tickets from potentially affecting monthly rates. Choosing one of the more affordable providers is also an excellent budget solution, but be sure you’re getting insurance that lives up to your needs.

Insurify makes comparing car insurance companies easy, finding the best rates as well as the most personalized discounts and coverage options. Drivers can also save by bundling their auto insurance with home insurance, life insurance, or renters insurance.

Frequently Asked Questions

  • The simplest way to find cheap car insurance in Fairfax is to choose the insurance agency with the lowest quote. Keeping a clean driving record and good credit also helps lower costs. Drivers can also save by bundling car insurance with home insurance, renters insurance, or even business insurance. It’s still always important to compare car insurance quotes.

  • The average driver pays around $177 per month or $2,124 per year, depending on factors like a driver’s age, gender, and risk factors like driving history and credit tier. This amount is $30 less than the state’s monthly average cost for car insurance. The majority of quotes can be found for under $200 per month, which makes the city very affordable for drivers.

  • Like most cities, risk factors like driving history and credit tier can significantly affect the monthly cost of car insurance. For example, a driver with poor credit could end up paying much more per month than a driver with excellent credit. Likewise, an at-fault accident on a driver’s record could pay a lot more than a driver with a clean record.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Jamie Vassar
Jamie Vassar
Linkedin

Insurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.

Learn More

Sources

  1. Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments." Accessed June 10, 2022
  3. Commonwealth of Virginia State Corporation Commission - Bureau of Insurance. "Insurance Credit Scoring." Accessed June 10, 2022