Best Car Insurance in Lynchburg 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Lynchburg Virginia costs single-car drivers an average of $2,101 annually, or about $175 per month. Compared to the state annual average of $2,524, auto insurance in Lynchburg is $423 lower.
Here’s how much real Jerry customers pay for insurance in Lynchburg:

Real quotes for Jerry customers in Lynchburg, Virginia

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 2, 2021Dodge Caliber HeatVA29ElectricCurrent$215/mo.$74/mo.
February 6, 2021Ford Focus SEVA48National GeneralStandard$171/mo.$106/mo.
April 13, 2021Cadillac CTS Hi Feature V6VA35GainscoCustom$265/mo.$125/mo.
April 13, 2021Cadillac CTS Hi Feature V6VA35GainscoCustom$265/mo.$125/mo.
April 6, 2021Cadillac CTS Hi Feature V6VA35State AutoCustom$265/mo.$190/mo.
The best way to secure the right plan for lower premiums in Lynchburg is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inLynchburg have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Lynchburg, Virginia

Insurance Company
Before Jerry
After Jerry
Nationwide$2,381$1,459
Allstate$2,675$1,624
Dairyland$2,965$1,701
National General$2,709$1,732
State Auto$2,571$1,838
Kemper$2,883$1,913
Travelers$3,087$2,195
Safeco$3,294$2,260

Minimum coverage car insurance in Lynchburg

On average, the cost of minimum coverage car insurance in Lynchburg is $1,602 per year, or $134 per month.

The minimum level of car insurance required in Lynchburg is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Lynchburg:
Before Jerry
After Jerry
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$1,602$1,167
Progressive$3,498$2,247
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

Full coverage car insurance in Lynchburg

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Lynchburg:
Before Jerry
After Jerry
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,246$1,294
Safeco$6,600$1,467
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

How does your age affect your auto insurance cost in Lynchburg?

If you’re a driver under 25 in Lynchburg, you could be paying as much as $131 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Lynchburg saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,800$1,518
21-24$3,632$2,177
On the contrary, here’s how much drivers aged 25 and over in Lynchburg pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$1,873$1,151
35-44$2,463$1,721
45-54$2,052$1,371
55-64$1,668$1,224
65+$940$770

Cheapest car insurance for drivers in Lynchburg with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Lynchburg saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,363$1,798
Other$3,480$750
Defective Equipment$4,800$1,308
Speeding under 15$4,800$1,308
Here’s how much drivers with a bad driving record in [Lynchburg saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
National General$1,633$1,348
Nationwide$2,256$1,532
Dairyland$3,180$2,052
Travelers$2,387$2,097
Safeco$4,751$2,128
Progressive$3,529$2,265
State Auto$3,092$2,448

Cheapest car insurance for young drivers in Lynchburg with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,504$2,746
Other$3,480$750
Defective Equipment$4,800$1,308
Speeding under 15$4,800$1,308
Here’s how much young drivers with a bad driving record in [Lynchburg saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,887$2,078
Travelers$2,387$2,097
Safeco$4,751$2,128
Progressive$3,874$2,349
State Auto$2,387$2,376
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

How can you save money on car insurance in Lynchburg

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Lynchburg you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 2, 2021Dodge Caliber HeatVA29ElectricCurrent$215/mo.$74/mo.
June 2, 2021Dodge Caliber HeatVA29ElectricCurrent$215/mo.$74/mo.
April 13, 2021Cadillac CTS Hi Feature V6VA35GainscoCustom$265/mo.$125/mo.
April 13, 2021Cadillac CTS Hi Feature V6VA35GainscoCustom$265/mo.$125/mo.
April 6, 2021Cadillac CTS Hi Feature V6VA35DairylandStandard$265/mo.$155/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free