Midlothian’s average annual car insurance rate is $474 for minimum coverage, $1,288 full coverage including collision and comprehensive, and $1,288 to cover all of it. According to data from Quadrant Information Services (Quadrant Information Services), USAA and State Farm have the lowest annual minimum coverage auto insurance rates, while Travelers has the lowest annual full coverage insurance rates.
Bankrate looked for the best car insurance in Midlothian by analyzing who had the lowest average rates. We looked at customer service data, as well as other factors to determine who was offering the best Midlothian policies.
Midlothian’s best car insurance company
After determining sample rates for Midlothian drivers, we looked next at J.D. We next looked at J.D. Power’s 2021 Mid-Atlantic auto insurance study, which evaluates the customer service quality of car insurance companies. We evaluated each company’s website to see if it was easy to use. We also looked at the optional coverage options that allow you to tailor your policy to your needs. We also looked at available discounts that can help you save a lot on your premium.
Geico is one of the most reputable insurers in America. We have some of the best car insurance in Midlothian. You will receive the standard liability insurance required by Virginia (unless you choose to pay the fee to opt out of car insurance), as well as additional coverages such as rideshare, collision and comprehensive.
One of Geico’s benefits is the long list of auto insurance discounts it offers, many of them easy to qualify for. For example, having airbags installed in your car could save you up to 23% on your premium. You may also be eligible for discounts for military personnel, students and drivers who are good.
All over the country
Nationwide’s annual premium for full coverage was $835 per annum, which is the lowest average of all companies we reviewed. This makes Nationwide a great choice for those who are looking for affordable car insurance in Midlothian.
Nationwide is not as highly ranked as the other options with J.D. Although Nationwide is not at the top of the list for power, it is still a good choice and you will likely get great service when you need it. You can get discounts up to 40% by using safe driving techniques, such as SmartRide.
J.D. Power ranks State Farm third on its annual auto insurance study. J.D. Power’s annual auto insurance survey for the mid-Atlantic area ranks State Farm in third place. This means that you can expect excellent service when you work with an agent or file a claim.
State Farm offers a user-friendly website that makes it simple to conduct your insurance business online. The website offers many coverage options, including classic and rental insurance as well as a long list of discounts.
USAA may not be familiar to you if you’re not in the military. USAA is a well-respected company that offers low prices and high customer satisfaction.
It only sells insurance to military families but it has some great extras that are worth looking into if you fall within that group. You can save as much as 15% if you park your car on base. You can save up to 60% on your premium if you are deployed.
Virginia Farm Bureau
Virginia Farm Bureau is an alternative type of insurer. It is a non-profit agricultural organisation that was established to support Virginia’s farmers. It now sells insurance policies across the state and its agents are well-versed in the drivers’ needs.
Although it may seem small, Virginia Farm Bureau provides extensive coverage options, including pet coverage, electronic equipment coverage, and income loss benefits. Although there are only a few discounts available, they can be easily earned, including up to 30% off safety features like anti-lock brakes.
Midlothian has the lowest car insurance
Midlothian’s average annual rate of $1,288 for full coverage compares favorably with the state of Virginia’s average of $1,304 and the national average of $1,674 a year. There are many factors that can affect the rates of car insurance. However, your rate may be significantly different from the average. The following providers are known for writing inexpensive policies, on average.
While some of these options are included on our “Best Of”, list such as USAA, State Farm, and Geico are also available. However, if you’re looking for the best car insurance in Midlothian you might also consider Erie or Travelers. Erie is known for its excellent customer service. It has over 13,000 agents available to assist you with your insurance needs. Erie Insurance may offer pet coverage, auto glass repair, locksmith services, and Erie Rate Protect locks in your premium rate for as long you own your car.
Comprehensive policies can be written by travelers with additional options like accident forgiveness or new car replacement coverage. There are also many discounts. By purchasing an older vehicle, such as a hybrid or electric one, you can save money. The average annual full-coverage car insurance rate for this policy is the lowest on our list, even beating USAA.
Insurance requirements for Midlothian
Like most states, Virginia has minimum insurance requirements you will need to meet in order to get behind the wheel. These minimums are commonly written 25/50/20. This means:
- $25,000 bodily injury liability per individual in a single accident
- $50,000. Total bodily injury liability for all accidents.
- $20,000 per accident property damage liability
The state also requires that motorists carry uninsured/underinsured coverage at the same policy limits as the driver’s liability insurance limits, unless the driver requests to reduce the limits in writing. Virginia drivers have the option of paying $500 to register legally and drive without insurance. However, they must also attest in writing that their financial responsibility for any injuries or damage they cause to others.
You may need full coverage car insurance if you lease or finance your vehicle. There are a few other coverage options that insurers can offer, including gap insurance and rideshare coverage.
Not having the minimum insurance required may not be the best option to protect yourself. The minimum liability coverage will not cover you if you are responsible for a serious accident. Your minimum property damage liability will only cover half the cost of a $40,000 car. Most insurance experts recommend you purchase higher liability rates if you have the funds.
Midlothian: Car insurance discounts
Midlothian’s best car insurance companies offer discounts that can help to lower your premium rates. Nearly all insurance companies offer some form of discount. These are the most sought-after in Virginia:
- Safety featuresYou may be eligible to receive a discount on your insurance if your car is equipped with anti-lock brakes, airbags, or other safety features.
- Billing discounts:You might be eligible for one or more discounts if you pay your premium in full, or if you set up automatic payments or pay online.
- Discounts based on usage:Insurers increasingly usetelematicsThis involves placing an electronic device in your vehicle or on your smartphone to monitor your driving habits. You can get up to 30% off if you are a good driver.
- Driver education:Virginia insurance companies are required to offer discounts to drivers who have completed approved driving education courses in the state.
Questions frequently asked
Which is the best auto insurance company?
There is no one insurance company in Midlothian that will provide the best deals for everyone. To find the best car insurance policy for your own needs, obtain several quotes from insurers and see who offers you the most value for the best price.
What is the cost of car insurance in Midlothian?
Midlothian’s average annual car insurance cost is $474 for minimal coverage and $1,288 full coverage. Based on multiple factors, your rate could be higher or lower than these, such as the age of your car and where you live, and the amount of coverage you have.
What amount of car insurance do you need in Midlothian
To drive legally in Virginia, you need at least 25/50/20 in liability coverage, unless you opt to pay a $500 fee and attest in writing that you are financially responsible for damages and injuries if you cause an accident. Additionally, Virginia requires that motorists purchase uninsured/underinsured motorist coverage at the same policy limits as the driver’s liability insurance limits, unless the driver requests in writing for those coverage limits to be reduced. For financial protection, most insurance professionals recommend you buy more than the minimum limits. If you lease or finance your vehicle, you may be required to buy full coverage auto insurance.