Cheap Auto Insurance Quotes in Lynchburg, VA (2021)

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Car Insurance in Lynchburg, VA

The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lynchburg, VA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$41
$52
$94
$97
$146
AllstateState FarmNationwideTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Lynchburg, VA

Here are the cheapest carriers in Lynchburg for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$127
$114
$134
$150
$124
$111
VirginiaVirginia BeachNorfolkChesapeakeRichmondLynchburg
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Lynchburg, VA Driving Facts

virginia

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

Find local Lynchburg agents

Hedges Insurance Agency LLC 
22491 Timberlake Road, Lynchburg, VA 24502
Dawson Ford Garbee Ins Svcs 
18281 Forest Rd, Lynchburg, VA 24502
Scott Ins 
1301 Old Graves Mill Rd, Lynchburg, VA 24502
Campbell Ins 
801 Main St Ste 400, Lynchburg, VA 24504-1519
Richards Grp Inc 
4931 Boonsboro Rd, Lynchburg, VA 24503
Bankers Ins Lynchburg 
801 Main St, Lynchburg, VA 24504-1520
Marsh & McLennan Agcy - Lynchburg 
1603 Enterprise Dr #A, Lynchburg, VA 24502
Timberlake Ins Agcy 
20190 Timberlake Road #A, Lynchburg, VA 24502-7226
George B Taylor Inc t/a Taylor Ins 
1840 Graves Mill Rd, Lynchburg, VA 24502-4200
Ins Consultants of Lynchburg Inc 
22174 Timberlake Rd #M, Lynchburg, VA 24502-4945

Insurify Insights: How Lynchburg Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Lynchburg, VA
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lynchburg drivers measure up to their fellow Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Lynchburg

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lynchburg drivers rank 23 in the number of car accidents per driver across all cities in Virginia.

  • Rank within state: #23
  • Percent of drivers in Lynchburg with an accident: 11.63%
  • Drivers in Lynchburg, VA with an accident in their driving history paid on average 34.35% more than drivers with a clean record

Speeding Lynchburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Lynchburg drivers rank 9 in the number of speeding infractions per driver.

  • Rank within state: #9
  • Percent of drivers in Lynchburg with a speeding ticket: 16.33%
  • Drivers in Lynchburg, VA with a speeding ticket in their driving history paid on average 34.35% more than drivers with a clean record

DUI/DWIs Lynchburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lynchburg drivers rank 48 in the number of DUI’s per driver across all cities in Virginia.

  • Rank within state: #48
  • Percent of drivers in Lynchburg with a DUI: 1.06%
  • Drivers in Lynchburg, VA with a DUI in their driving history paid on average 83.21% more than drivers with a clean record

Most Popular Vehicle Lynchburg

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lynchburg is the Nissan Altima.

Rude Lynchburg

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Lynchburg drivers rank 15 in rude driving infractions.

  • Rank within state: #15
  • Percent of drivers in Lynchburg with a reckless driving violation: 3.53%
  • Drivers in Lynchburg, VA with a reckless driving violation in their driving history paid on average 6.87% more than drivers with a clean record.

Safest Drivers Lynchburg

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lynchburg drivers rank 21 in clean driving records across all cities in Virginia.

  • Rank within state: #21
  • Percent of drivers in Lynchburg with clean record: 73.91%

Failure to Yield the Right of Way Lynchburg

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lynchburg drivers rank 13 in failure to yield violations per driver across all cities in Virginia.

  • Rank within state: #13
  • Percent of drivers in Lynchburg with a failure to yield violation: 0.94%
  • Drivers in Lynchburg, VA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Lynchburg

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Lynchburg drivers rank 18 in the number of reckless driving offenses per driver.

  • Rank within state: #18
  • Percent of drivers in Lynchburg with a reckless driving offense: 0.35%

Hybrid/Electric Vehicle Ownership Lynchburg

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lynchburg drivers rank 40 in hybrid and electric vehicle ownership across all cities in Virginia.

  • Rank within state: #40
  • Percent of drivers in Lynchburg with a hybrid/electric vehicle: 0.68%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.