Cheapest Auto Insurance in Lynchburg, Virginia (2024)

Liability-only rates in Lynchburg are as low as $34 per month, from Auto-Owners.

Emily Guy Birken
Emily Guy Birken
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Shawn Powers
Reviewed byShawn Powers
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Shawn PowersVP of Insurance Sales at Insurify
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  • 15 years as VP of Sales and Operations at Answer Financial

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Updated March 1, 2024 at 11:00 AM PST

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Home to six colleges and universities and eight historic districts, Lynchburg is a vibrant Central Virginia city that’s also a cultural hub.

Residents also enjoy slightly cheaper auto insurance rates than most other Virginia drivers. The average cost of auto insurance in Lynchburg is $119 per month, while the state average is $131 per month and the national average is $156 per month.

Lynchburg’s relatively affordable car insurance rates may reflect the city’s family-friendly nature. Nearly 20% of its population is younger than 18, which means many families are settled there — and parents tend to be pretty safe drivers.[1]

Here’s what you need to know about finding cheap car insurance in Lynchburg, Virginia.

Quick Facts
  • The average cost of car insurance in Lynchburg is $84 per month for liability coverage and $154 per month for full coverage.

  • Virginia is an at-fault insurance state and follows the pure contributory negligence rule, which prohibits any driver who’s even 1% at fault in an accident from suing other parties for damages and injuries.[2]

  • Motorists can legally drive an uninsured vehicle at their own risk in Virginia, provided they pay a $500 uninsured motor vehicle fee.[3]

Cheapest car insurance companies in Lynchburg

The best auto insurance company for you will depend entirely on your specific situation and your insurance needs. Every insurance company uses different criteria to set its rates.

Your premium will depend on a number of factors, like your gender, marital status, ZIP code, driving history, and credit history. And though many insurance companies use the same factors to set rates, how each factor is weighed can vary among insurers.

Each of the following companies offers distinct benefits to customers while also charging a lower average monthly rate than the Lynchburg average of $119 per month.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.0$62$37Customizable coverage
State Farm4.5$64$38Customer satisfaction
GEICO4.2$86$51Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for customizable coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated

Headquartered in Lansing, Michigan, this insurance company is one of America’s largest, providing coverage to nearly 3 million customers in 26 states.

In addition to the standard optional coverages like collision, comprehensive, personal injury protection (PIP), and uninsured motorist, Auto-Owners also has coverage for things like additional expenses or services while your car is in the shop, diminished value, loan or lease gap, and rental auto gap coverages. Potential customers can work with independent insurance agents to help them find a low rate.

Pros
  • Offers many discounts

  • At-fault accident forgiveness available

Cons
  • Can’t get a quotes online — must work with an insurance agent

  • Lower mobile app rating than other insurers

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$58/mo

State Farm has been around for more than 100 years and offers multiple ways to save, from customizing coverage types to a robust list of discounts. And the 2023 J.D. Power U.S. Auto Insurance Study ranks State Farm No. 2 in the Mid-Atlantic region for customer satisfaction.

Pros
  • High J.D. Power customer satisfaction rating

  • Rideshare insurance available

Cons
  • Doesn’t offer gap insurance

  • May not be the cheapest choice for drivers with violations

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$46/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo

Another very recognizable name in the car insurance industry, GEICO offers a variety of discounts and coverages. Each discount could save drivers upward of 25%, according to GEICO’s website, and you can use multiple discounts, such as bundling auto and home insurance.

Pros
  • Award-winning mobile app and website

  • Many available discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Few local insurance agents

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

How to get the cheapest car insurance in Lynchburg

Insurers use a number of factors to determine your rates, including your driving history, age, marital status, credit score, and ZIP code, among others. Companies weigh these factors differently.

This means the cheapest car insurance company in Lynchburg won’t be the same for every driver. The best way to find the cheapest car insurance in Lynchburg is to get multiple quotes and compare rates.

Here are some other helpful strategies for reducing your car insurance costs:

  • Bundle auto and homeowners insurance. Many insurers offer discounts to customers who purchase auto insurance and home insurance or renters insurance. It's a good idea to see if you could also bundle other insurance products like life insurance, boat insurance, insurance for recreational vehicles, business insurance, or any other personal insurance needs with your auto insurance.

  • Drive safely. Maintaining a clean driving record is one of the most effective ways to keep your auto insurance costs low.

  • Reconsider your coverage. Don’t carry more coverage than you need. Increasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability coverage amounts can all save you money on your insurance premium. Just make sure you have enough coverage in case you need to file a claim.

  • Check for discounts. You may qualify for discounts based on affiliations, driving habits, how and when you make payments, and safety features on your car, among other discount opportunities.

Find Cheap Car Insurance in Lynchburg, Virginia

Liability rates start at $34 per month 

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Cheapest liability-only car insurance in Lynchburg: Auto-Owners

Liability-only car insurance is the kind of coverage that all drivers must carry in Virginia.

If you cause an automobile accident, liability-only car insurance pays to repair or replace the other party’s damaged vehicle and any medical costs associated with the accident. However, liability-only car insurance doesn’t cover the cost of repairing or replacing your car.

Auto-Owners has the cheapest liability-only car insurance in Lynchburg, at $34 per month.

The following companies have the cheapest liability-only car insurance in the city.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners34
State Farm35
GEICO46
USAA46
Chubb51
Erie53
Clearcover54
Mercury54
Safeco58
Nationwide60
State Auto63
Midvale Home & Auto66
Allstate73
Progressive74
Elephant75
Liberty Mutual79
Direct Auto80
National General87
AssuranceAmerica90
Dairyland91
GAINSCO91
Travelers96
CSAA116
Bristol West124
The General138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lynchburg: Auto-Owners

Carrying full-coverage car insurance provides more protection for Lynchburg drivers.

This kind of coverage includes collision coverage, which pays to repair or replace your vehicle even if you cause an accident, and comprehensive coverage, which kicks in if your car sustains damages from something other than an automobile accident, such as vandalism, severe weather, or theft.

If you lease or finance your car, your lender or lessor may require full-coverage insurance. Otherwise, full-coverage car insurance is optional.

Auto-Owners has the cheapest full-coverage rates in the city, at $56 per month. The following companies have the cheapest full-coverage car insurance in the city.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners56
State Farm58
USAA77
GEICO78
Chubb85
Erie89
Clearcover91
Nationwide97
Mercury103
Safeco106
Midvale Home & Auto108
Allstate121
Travelers126
State Auto127
Elephant131
Direct Auto135
AssuranceAmerica138
Liberty Mutual142
Progressive143
National General168
CSAA181
Dairyland209
GAINSCO209
Bristol West242
The General244
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Virginia

Virginia is an at-fault insurance state. This means that the at-fault driver in an accident is responsible for covering the damages and injuries of the other involved parties.

Virginia is also one of the only states that follow the pure contributory negligence rule for at-fault insurance law. This means that anyone who’s even 1% at fault in an accident can’t sue the person who carries higher blame for the accident.

If you’re a Virginia driver and contributed to an accident, you can’t sue for damages, even if the other person was more responsible for the accident.[2]

Virginia drivers have two choices for driving legally. They can either purchase auto insurance that meets the following minimum requirements, or they can pay a $500 uninsured motor vehicle fee. Paying that fee doesn’t mean the driver is insured. It simply allows the driver to drive the uninsured vehicle at their own risk.[3]

Most consumers purchase insurance that at least meets Virginia’s minimum requirements:[3]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000
Important Information

Virginia’s minimum requirements are in place until Dec. 31, 2024. The minimum requirements will go up for auto insurance policies effective Jan. 1, 2025.

At that point, bodily injury liability will have a minimum requirement of $50,000 per person and $100,000 per accident, while property damage liability will have a minimum requirement of $25,000.

Drivers in Lynchburg may also choose to purchase additional coverages on top of the required liability coverage. Some common coverage options include:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage will pay for your costs if you’re in an accident where an uninsured motorist is at fault.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage will pay to repair or replace your vehicle after you hit a stationary object or another vehicle, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle repairs and damages for incidents other than collisions, which includes theft, vandalism, falling objects, hitting animals, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This pays for a rental car for you to drive while your vehicle is in the shop for repairs after a covered claim.

Cheapest car insurance for drivers with an incident

Having an incident on your driving history — such as a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction — can make a big difference in your insurance rates.

A driver with a record of one or more of these kinds of incidents represents a higher risk to auto insurers, since such drivers are more likely to file a claim. If you’ve been cited for speeding, found at fault in an accident, or have a DUI, you can expect to pay more for your car insurance than a driver with a clean record.

Compare the car insurance rates for these three insurers in Lynchburg for drivers with a clean record versus those with an incident.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners34454654
State Farm35444656
GEICO46596273
USAA46596173
Chubb51666981
Erie53747676
Clearcover54748786
Mercury54798288
Safeco58808593
Nationwide60778196
State Auto638491101
Allstate739397117
Progressive7498103118
Elephant7597101120
Liberty Mutual79109114126
Direct Auto80107112128
National General87112118139
AssuranceAmerica90124127144
Dairyland91120124145
GAINSCO91113120145
Travelers96125130153
CSAA116153163185
Bristol West124161165198
The General138182191220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

The cost of car insurance tends to be the most expensive for the youngest drivers. Teen drivers have less experience on the road and are more likely to make risky driving decisions compared to their older counterparts.

Auto insurance rates tend to decrease for drivers once they reach age 35, and as long as you drive safely, those rates will generally stay low for the next three-plus decades.

However, as drivers reach their 70s, they typically start to experience age-related physical declines that can affect their driving ability. That’s why rates tend to increase for older drivers.

Here are the average monthly quotes for drivers at various ages in Lynchburg.

AgeAverage Monthly Quote
Teens$292
20s$200
30s$145
40s$131
50s$114
60s$106
70s$109
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Lynchburg car insurance quotes by credit tier

Virginia is one of the majority of states that allow auto insurance companies to use drivers’ credit scores to set premiums.[4] That means Lynchburg drivers with good to excellent credit scores often pay lower rates than drivers with poor credit scores. The good news is that working to improve your credit score will also potentially help you lower your car insurance premiums.

Here are the average monthly costs of full-coverage auto insurance in Lynchburg, Virginia, by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lynchburg car insurance FAQs

Use Insurify’s guide to help you determine how much car insurance you need, and check out the answers to common questions about Lynchburg car insurance below.

  • How much is car insurance in Lynchburg?

    The average cost of car insurance in Lynchburg is $84 per month for liability coverage and $154 per month for full coverage.

  • Which company has the cheapest car insurance in Lynchburg?

    Auto-Owners, State Farm, and GEICO offer the cheapest liability car insurance in Lynchburg, with rates of $34, $35, and $46 per month, respectively. However, the best way to find the lowest rates for your situation is to compare quotes from multiple companies. Use an online quote-comparison tool to see many quotes at one time and find the company that offers you the best rate for the coverage you need.

  • What are the best car insurance companies in Lynchburg?

    Some of the best car insurance companies that Insurify identified in Lynchburg include Auto-Owners, State Farm, and GEICO. These companies have strong customer satisfaction ratings, low rates for drivers, and high IQ Scores.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Lynchburg city, Virginia." Accessed October 19, 2023
  2. Nolo. "Virginia (VA) Car Accident Laws." Accessed October 19, 2023
  3. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed October 19, 2023
  4. Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring How It Affects Your Automobile and Homeowners Insurance." Accessed October 19, 2023
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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