Cheap Car Insurance in Virginia for 2023

Erie offers the cheapest car insurance in Virginia, with an average monthly rate of $74 for full coverage.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Virginia isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Virginia is Erie at $889 per year on average, or $74 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Virginia. Meanwhile, the average cost of full coverage car insurance in Virginia is $1,922 per year, or about $160 per month.

Minimum coverage in Virginia is $682 per year on average, but we found you can likely get a cheaper policy. For example, Erie offers the cheapest rates in Virginia at $320 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Virginia cities, including:

How we chose the cheapest companies in Virginia

NerdWallet’s editorial team analyzed car insurance rates from 22 auto insurers in Virginia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Virginia. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Virginia where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Virginia for 20-year-olds

Drivers in Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Virginia Farm Bureau: $1,777 per year, or about $148 per month.

  2. Erie: $1,890 per year, or about $158 per month.

  3. Alfa: $1,928 per year, or about $161 per month.

  4. Auto-Owners: $2,366 per year, or about $197 per month.

  5. Penn National: $2,382 per year, or about $198 per month.

Cheapest minimum coverage car insurance in Virginia for 20-year-olds

Drivers in Virginia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Erie: $651 per year, or about $54 per month.

  2. Alfa: $686 per year, or about $57 per month.

  3. Travelers: $710 per year, or about $59 per month.

  4. Virginia Farm Bureau: $755 per year, or about $63 per month.

  5. Auto-Owners: $819 per year, or about $68 per month.

Cheapest auto insurance in Virginia for 20-year-olds with poor credit

Drivers with poor credit in Virginia should look at the following insurers with the lowest average rates for minimum coverage:

  1. Travelers: $1,156 per year, or about $96 per month.

  2. Chubb: $1,157 per year, or about $96 per month.

  3. Virginia Farm Bureau: $1,182 per year, or about $98 per month.

  4. Erie: $1,405 per year, or about $117 per month.

  5. Geico: $1,518 per year, or about $126 per month.

Cheapest auto insurance in Virginia for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $731 per year, or about $61 per month.

  2. Alfa: $776 per year, or about $65 per month.

  3. Travelers: $885 per year, or about $74 per month.

  4. Auto-Owners: $922 per year, or about $77 per month.

  5. Virginia Farm Bureau: $951 per year, or about $79 per month.

Cheapest auto insurance in Virginia for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Auto-Owners: $819 per year, or about $68 per month.

  2. Erie: $871 per year, or about $73 per month.

  3. Alfa: $903 per year, or about $75 per month.

  4. Virginia Farm Bureau: $943 per year, or about $79 per month.

  5. Travelers: $972 per year, or about $81 per month.

Cheapest auto insurance in Virginia for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Virginia Farm Bureau: $967 per year, or about $81 per month.

  2. Erie: $992 per year, or about $83 per month.

  3. Travelers: $1,191 per year, or about $99 per month.

  4. Progressive: $1,449 per year, or about $121 per month.

  5. Auto-Owners: $1,508 per year, or about $126 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Virginia for 30-year-olds

Drivers in Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Erie: $953 per year, or about $79 per month.

  2. Virginia Farm Bureau: $995 per year, or about $83 per month.

  3. Auto-Owners: $1,132 per year, or about $94 per month.

  4. Penn National: $1,208 per year, or about $101 per month.

  5. State Farm: $1,251 per year, or about $104 per month.

Cheapest minimum coverage car insurance in Virginia for 30-year-olds

Drivers in Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Erie: $341 per year, or about $28 per month.

  2. Virginia Farm Bureau: $363 per year, or about $30 per month.

  3. Auto-Owners: $368 per year, or about $31 per month.

  4. State Farm: $393 per year, or about $33 per month.

  5. Travelers: $437 per year, or about $36 per month.

Cheapest auto insurance in Virginia for 30-year-olds with poor credit

Drivers with poor credit in Virginia should consider the following companies with the lowest average rates for full coverage:

  1. Chubb: $1,417 per year, or about $118 per month.

  2. Virginia Farm Bureau: $1,604 per year, or about $134 per month.

  3. Nationwide: $1,860 per year, or about $155 per month.

  4. Geico: $1,943 per year, or about $162 per month.

  5. Erie: $2,211 per year, or about $184 per month.

Cheapest auto insurance in Virginia for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $364 per year, or about $30 per month.

  2. Auto-Owners: $405 per year, or about $34 per month.

  3. Virginia Farm Bureau: $454 per year, or about $38 per month.

  4. State Farm: $456 per year, or about $38 per month.

  5. Travelers: $528 per year, or about $44 per month.

Cheapest auto insurance in Virginia for 30-year-old drivers with one at-fault crash

For drivers in Virginia with a recent accident, here are the lowest average rate options for full coverage:

  1. Auto-Owners: $1,132 per year, or about $94 per month.

  2. Virginia Farm Bureau: $1,302 per year, or about $108 per month.

  3. Erie: $1,305 per year, or about $109 per month.

  4. State Farm: $1,588 per year, or about $132 per month.

  5. Penn National: $1,718 per year, or about $143 per month.

Cheapest auto insurance in Virginia for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Virginia Farm Bureau: $1,321 per year, or about $110 per month.

  2. Erie: $1,586 per year, or about $132 per month.

  3. State Farm: $1,846 per year, or about $154 per month.

  4. Auto-Owners: $1,874 per year, or about $156 per month.

  5. Travelers: $2,144 per year, or about $179 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Virginia for 40-year-olds

Drivers in Virginia with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Erie: $859 per year, or about $72 per month.

  2. Virginia Farm Bureau: $929 per year, or about $77 per month.

  3. Penn National: $1,080 per year, or about $90 per month.

  4. Auto-Owners: $1,120 per year, or about $93 per month.

  5. Alfa: $1,206 per year, or about $100 per month.

Cheapest minimum coverage car insurance in Virginia for 40-year-olds

Drivers in Virginia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Erie: $310 per year, or about $26 per month.

  2. Virginia Farm Bureau: $350 per year, or about $29 per month.

  3. Auto-Owners: $392 per year, or about $33 per month.

  4. State Farm: $398 per year, or about $33 per month.

  5. Travelers: $399 per year, or about $33 per month.

Cheapest auto insurance in Virginia for 40-year-olds with poor credit

Drivers with poor credit in Virginia can check out the following insurers with the lowest average rates for full coverage:

  1. Chubb: $1,417 per year, or about $118 per month.

  2. Virginia Farm Bureau: $1,493 per year, or about $124 per month.

  3. Nationwide: $1,766 per year, or about $147 per month.

  4. Geico: $1,893 per year, or about $158 per month.

  5. Erie: $2,001 per year, or about $167 per month.

Cheapest auto insurance in Virginia for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $330 per year, or about $28 per month.

  2. Auto-Owners: $431 per year, or about $36 per month.

  3. Virginia Farm Bureau: $436 per year, or about $36 per month.

  4. State Farm: $461 per year, or about $38 per month.

  5. Travelers: $511 per year, or about $43 per month.

Cheapest auto insurance in Virginia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:

  1. Auto-Owners: $1,120 per year, or about $93 per month.

  2. Erie: $1,174 per year, or about $98 per month.

  3. Virginia Farm Bureau: $1,245 per year, or about $104 per month.

  4. Penn National: $1,533 per year, or about $128 per month.

  5. State Farm: $1,544 per year, or about $129 per month.

Cheapest auto insurance in Virginia for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Virginia Farm Bureau: $1,228 per year, or about $102 per month.

  2. Erie: $1,425 per year, or about $119 per month.

  3. State Farm: $1,795 per year, or about $150 per month.

  4. Auto-Owners: $1,855 per year, or about $155 per month.

  5. Travelers: $2,014 per year, or about $168 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Virginia for 50-year-olds

Drivers in Virginia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Erie: $791 per year, or about $66 per month.

  2. Virginia Farm Bureau: $920 per year, or about $77 per month.

  3. Penn National: $981 per year, or about $82 per month.

  4. Alfa: $1,012 per year, or about $84 per month.

  5. Auto-Owners: $1,081 per year, or about $90 per month.

Cheapest minimum coverage car insurance in Virginia for 50-year-olds

Drivers in Virginia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Erie: $287 per year, or about $24 per month.

  2. Virginia Farm Bureau: $366 per year, or about $30 per month.

  3. Alfa: $372 per year, or about $31 per month.

  4. Auto-Owners: $382 per year, or about $32 per month.

  5. State Farm: $394 per year, or about $33 per month.

Cheapest auto insurance in Virginia for 50-year-olds with poor credit

Drivers with poor credit in Virginia can check with the following companies, which showed the lowest average rates for full coverage:

  1. Chubb: $1,248 per year, or about $104 per month.

  2. Virginia Farm Bureau: $1,476 per year, or about $123 per month.

  3. Nationwide: $1,628 per year, or about $136 per month.

  4. Geico: $1,743 per year, or about $145 per month.

  5. Erie: $1,847 per year, or about $154 per month.

Cheapest auto insurance in Virginia for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $305 per year, or about $25 per month.

  2. Auto-Owners: $419 per year, or about $35 per month.

  3. State Farm: $457 per year, or about $38 per month.

  4. Virginia Farm Bureau: $458 per year, or about $38 per month.

  5. Alfa: $463 per year, or about $39 per month.

Cheapest auto insurance in Virginia for 50-year-old drivers with one at-fault crash

For drivers living in Virginia with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Erie: $1,079 per year, or about $90 per month.

  2. Auto-Owners: $1,081 per year, or about $90 per month.

  3. Virginia Farm Bureau: $1,265 per year, or about $105 per month.

  4. Penn National: $1,390 per year, or about $116 per month.

  5. State Farm: $1,498 per year, or about $125 per month.

Cheapest auto insurance in Virginia for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Virginia Farm Bureau: $1,211 per year, or about $101 per month.

  2. Erie: $1,308 per year, or about $109 per month.

  3. State Farm: $1,744 per year, or about $145 per month.

  4. Auto-Owners: $1,786 per year, or about $149 per month.

  5. Mercury: $1,828 per year, or about $152 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Virginia for 60-year-olds

Drivers in Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Erie: $761 per year, or about $63 per month.

  2. Alfa: $884 per year, or about $74 per month.

  3. Virginia Farm Bureau: $921 per year, or about $77 per month.

  4. Penn National: $967 per year, or about $81 per month.

  5. Auto-Owners: $1,059 per year, or about $88 per month.

Cheapest minimum coverage car insurance in Virginia for 60-year-olds

Drivers in Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Erie: $277 per year, or about $23 per month.

  2. Alfa: $329 per year, or about $27 per month.

  3. State Farm: $367 per year, or about $31 per month.

  4. Travelers: $384 per year, or about $32 per month.

  5. Auto-Owners: $389 per year, or about $32 per month.

Cheapest auto insurance in Virginia for 60-year-olds with poor credit

Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for full coverage:

  1. Chubb: $1,248 per year, or about $104 per month.

  2. Virginia Farm Bureau: $1,478 per year, or about $123 per month.

  3. Nationwide: $1,516 per year, or about $126 per month.

  4. Geico: $1,730 per year, or about $144 per month.

  5. Erie: $1,781 per year, or about $148 per month.

Cheapest auto insurance in Virginia for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $295 per year, or about $25 per month.

  2. Alfa: $419 per year, or about $35 per month.

  3. Auto-Owners: $427 per year, or about $36 per month.

  4. State Farm: $427 per year, or about $36 per month.

  5. Cincinnati Insurance: $479 per year, or about $40 per month.

Cheapest auto insurance in Virginia for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,040 per year, or about $87 per month.

  2. Auto-Owners: $1,059 per year, or about $88 per month.

  3. Virginia Farm Bureau: $1,303 per year, or about $109 per month.

  4. Penn National: $1,375 per year, or about $115 per month.

  5. State Farm: $1,395 per year, or about $116 per month.

Cheapest auto insurance in Virginia for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Virginia Farm Bureau: $1,214 per year, or about $101 per month.

  2. Erie: $1,262 per year, or about $105 per month.

  3. State Farm: $1,623 per year, or about $135 per month.

  4. Mercury: $1,670 per year, or about $139 per month.

  5. Auto-Owners: $1,768 per year, or about $147 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Virginia for 70-year-olds

Drivers in Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Erie: $870 per year, or about $72 per month.

  2. Alfa: $902 per year, or about $75 per month.

  3. Penn National: $1,039 per year, or about $87 per month.

  4. Virginia Farm Bureau: $1,041 per year, or about $87 per month.

  5. State Farm: $1,151 per year, or about $96 per month.

Cheapest minimum coverage car insurance in Virginia for 70-year-olds

Drivers in Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Erie: $314 per year, or about $26 per month.

  2. Alfa: $335 per year, or about $28 per month.

  3. State Farm: $393 per year, or about $33 per month.

  4. Travelers: $442 per year, or about $37 per month.

  5. Cincinnati Insurance: $448 per year, or about $37 per month.

Cheapest auto insurance in Virginia for 70-year-olds with poor credit

Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for full coverage:

  1. Chubb: $1,248 per year, or about $104 per month.

  2. Virginia Farm Bureau: $1,676 per year, or about $140 per month.

  3. Nationwide: $1,689 per year, or about $141 per month.

  4. Geico: $2,012 per year, or about $168 per month.

  5. Erie: $2,026 per year, or about $169 per month.

Cheapest auto insurance in Virginia for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $334 per year, or about $28 per month.

  2. Alfa: $425 per year, or about $35 per month.

  3. State Farm: $457 per year, or about $38 per month.

  4. Cincinnati Insurance: $520 per year, or about $43 per month.

  5. Auto-Owners: $539 per year, or about $45 per month.

Cheapest auto insurance in Virginia for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:

  1. Erie: $1,193 per year, or about $99 per month.

  2. Auto-Owners: $1,237 per year, or about $103 per month.

  3. State Farm: $1,467 per year, or about $122 per month.

  4. Penn National: $1,488 per year, or about $124 per month.

  5. Virginia Farm Bureau: $1,522 per year, or about $127 per month.

Cheapest auto insurance in Virginia for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Virginia Farm Bureau: $1,385 per year, or about $115 per month.

  2. Erie: $1,451 per year, or about $121 per month.

  3. State Farm: $1,714 per year, or about $143 per month.

  4. Mercury: $2,061 per year, or about $172 per month.

  5. Auto-Owners: $2,131 per year, or about $178 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 47 of the 70 driver profiles we examined.

Minimum car insurance requirements in Virginia

Virginia requires drivers who purchase insurance to carry liability coverage in at least the following coverage amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $20,000 property damage liability per accident.

  • $25,000 uninsured/underinsured motorist coverage per person.

  • $50,000 uninsured/underinsured motorist coverage per accident.

  • $20,000 uninsured/underinsured motorist property damage coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, so it’s often smart to purchase more than the minimum coverage.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Find out more about how the required and optional parts of your Virginia policy work by visiting our guide to minimum car insurance requirements by state.

In Virginia, it’s possible to register a car without insurance, but you must pay a $500 uninsured motor vehicle fee. Even if you pay this fee to avoid buying insurance, you still must pay for any damage you cause in a crash. 

Alternative car insurance in Virginia

Drivers who are unable to buy Virginia car insurance on the open market — due to poor credit, DUI convictions or other factors — can apply for coverage through the Virginia Automobile Insurance Plan.

For more help finding cheap car insurance in Virginia, try our car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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