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Cheapest car insurance in Staunton, Virginia (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Staunton, Virginia.
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Best car insurance companies in Staunton

There’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Stauntondriver is unique, and so are their premiums.
While some drivers may have better luck with insurers like Allstate and State Farm in Staunton, VA, others may find more affordable rates with other companies, including Nationwide, Kemper or Nationwide. 
To find your best rate, you will need to compare car insurance quotes from several insurance providers. As a way to help drivers find their ideal policy, Jerry conducted one of the largest consumer surveys in the nation to determine the top providers in Staunton
Take a look at the table below to see the results—and use the average rates to help you determine the most cost-effective option for you. 
Insurance company
Overall rating
Average annual full coverage cost
Average annual minimum coverage cost
4.3
$753
$237
Clearcover
3.1
$1,028
$424
4.2
$1,169
$691
3.9
$1,233
$444
4.1
$1,302
$387

Nationwide

  • Overall Jerry rating in Staunton: 4.3
  • AM Best financial strength: A+ (Superior)
  • NAIC complaint index (August 2023): Slightly higher than average
Nationwide is generally a good choice for the average driver. This provider offers a wide range of coverage options, including usage-based insurance (UBI), and teen drivers are likely to find lower-than-average rates with Nationwide.
Real 5-star customer review: “I love nationwide and all the extra discounts you get for driving safe.” (Autumn T., VA)
Read More

Clearcover

  • Overall rating in Staunton: 3.1
  • AM Best financial strength: A- (Excellent)
Although Clearcover has some of the lowest rates for car insurance, they’re also known for their quick and seamless claims processing and top-notch customer service. Despite being a mainly app-based insurance provider, Clearcover offers 24/7 call-in assistance for more senior drivers.
Real 5-star customer review: “Love the minimalist app and paperwork.” (Louis W., VA)

Kemper Preferred

  • Overall Jerry rating in Staunton: 4.3
  • AM Best financial strength: A- (Excellent)
  • NAIC complaint index (December 2023): Higher than average
Kemper Preferred provides standard and high-risk auto insurance, assisting drivers with SR-22 certificates in finding affordable coverage. To help lower costs even more, drivers who complete a defensive driving course or receive an advanced quote from Kemper can receive discounts on their policies.

State Farm

  • Overall Jerry rating in Staunton: 3.9
  • AM Best financial strength: A++ (Superior)
  • NAIC complaint index (September 2023): Slightly more than expected
State Farm is one of the top insurance choices for most drivers. With a wide network of local insurance agents, digital policy management, and several discounts for an array of driver profiles, car insurance is made easy—and affordable—with State Farm in Staunton, VA.
Real 5-star customer review: “We had a policy with state farm for many years and the people were knowledgeable and so friendly, always looking to get us the best rate. When an incident happened, and we needed towing, their claims department handled everything so quickly.” (Deborah Q., VA)
Read More

Allstate

  • Overall Jerry rating in Staunton: 4.1
  • AM Best financial strength: A+ (Superior)
  • NAIC complaint index (June 2023): Much more than expected
Allstate in Staunton, VA is one of the more popular options for car insurance. With a slew of discounts and a wide range of coverage options and coverage limits, Allstate customers benefit from robust service and high financial stability rankings.
Real 5-star customer review: “Cheaper than any other quote I received. Excellent service.” (Trevor P., VA)
Read More
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Staunton

On average, auto insurance in Staunton costs about $89 per month for minimum coverage liability insurance and about $116 per month for full coverage insurance. Staunton drivers pay 16% less rates than the average.  
With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare
car insurance quotes
.
Many Staunton drivers have found affordable coverage with help from the
Jerry Insurance Agency
, which aggregates quotes to help drivers pick the best policy. Below are some of the cheapest car insurance quotes Jerry found for our Staunton customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$94
Cory, 32
Zip: 24401
Jeep Compass Latitude
• 30,000/60,000 Liability
• Comp / Collision
Mercury
$94
Jean, 56
Zip: 24401
Hyundai Tucson SE
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$214
Wayne, 74
Zip: 24401
Nissan Versa S
• 30,000/60,000 Liability
• Comp / Collision
Dairyland
$185
Bernard, 18
Zip: 24401
Mercury Montego Premier
• 30,000/60,000 Liability
coverageLast Updated Apr 19, 2024

Best cheap car insurance quotes in Staunton

Virginia laws
require all Staunton drivers to carry minimum
liability insurance
of 30/60/20, including property damage liability and bodily injury liability coverage.
Drivers must also carry
uninsured motorist coverage
to at least the same limits.   

Cheap minimum liability insurance quotes in Staunton

Let’s break down the minimum required liability coverage for Staunton drivers:
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires
uninsured motorist (UM) coverage
for all Staunton drivers. 
UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.
Virginia is an at-fault state
. If you get into an accident in Staunton with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.
Here are the required coverage levels for UM in Staunton:
  • $30,000 in
    uninsured motorist bodily injury
    per person
  • $60,000 in uninsured motorist bodily injury per accident
  • $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no Staunton driver is exempt from these requirements.  
You can find affordable minimum liability and uninsured motorist coverage in Staunton with help from Jerry—like the drivers below. 
card cover
Lester (51 years old)
coverageCoverage
State Minimum
locationStaunton, VA
(Zip Code: 24401)
$103
per month
card cover
Maud (37 years old)
coverageCoverage
State Minimum
locationStaunton, VA
(Zip Code: 24401)
$169
per month
card cover
Gainsco
Luella (29 years old)
coverageCoverage
State Minimum
locationStaunton, VA
(Zip Code: 24401)
$146
per month

Do you need more than minimum coverage in Staunton?

You won’t be breaking any laws if you stick with the minimums, but many Staunton drivers prefer higher limits to get more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car. 

Cheap full coverage car insurance quotes in Staunton

Did you know that liability coverage only protects other people? Full coverage in Staunton is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
A full coverage policy includes
comprehensive
and
collision coverage
Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Staunton.
Here’s a breakdown of Staunton
full coverage car insurance costs
.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 30,000/60,000 Liability
• Comp / Collision
Progressive
$94
Cory, 32
Zip: 24401
Jeep Compass Latitude
• State Minimum Liability
• Comp / Collision
Allstate
$169
Maud, 37
Zip: 24401
Chevrolet Equinox LT
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$217
Sarah, 40
Zip: 24401
Chevrolet Avalanche K1500 LT
• State Minimum Liability
• Comp / Collision
National General
$133
Gregory, 51
Zip: 24401
Honda Accord EXL
• 30,000/60,000 Liability
• Comp / Collision
Dairyland
$173
Dustin, 43
Zip: 24401
Nissan Versa SR
coverageLast Updated Apr 19, 2024
The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Staunton

In helping hundreds of Staunton drivers find cheaper rates, we found the average cost for minimum liability coverage to be $89 per month or $1,068 per year. 
The average cost for full coverage insurance in Staunton is $116 per month or $1,392 per year.
Don’t jump to any conclusions! These are average rates, but you’re probably not the average Staunton driver. You might have a better driving history—or maybe a few tickets on your record. Your unique driver profile will be the source of your unique rate.

Car insurance quotes in Staunton by rating factors 

Insurance companies in Staunton use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.
  • The kind of car you have: Luxury and sports cars come with higher insurance price tags.
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: More frequent usage means higher insurance rates, due to the increase in risk. 

How do different factors impact your car insurance costs in Staunton?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Staunton currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Staunton:

Cheap car insurance quotes in Staunton after driving violations

Driving violations in Staunton not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a
high-risk driver
. You can still find coverage, but your policy will cost more than the average Staunton driver’s.

Cheapest car insurance in Staunton after DUI

Virginia considers all intoxicated violations to be DWIs—and the state has
strict laws
with serious penalties. Any DUI conviction in Staunton will cause your insurance rates to skyrocket, and some companies might refuse to cover you.
Finding insurance in Staunton after a DUI can be complicated, but Jerry has helped tons of drivers. 
card cover
Alberta (41 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
$291
per month

Cheapest car insurance in Staunton after an at-fault accident

The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.
Here are some sample insurance rates for Staunton drivers who have at-fault accidents on record.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$94
Edward, 32
Zip: 24401
Jeep Compass Latitude
• 30,000/60,000 Liability
• Comp / Collision
Not At Fault
AAA
$166
Curtis, 51
Zip: 24401
Nissan Murano S
• 30,000/60,000 Liability
At Fault With No Injury
Allstate
$169
Aaron, 37
Zip: 24401
Chevrolet Equinox LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 19, 2024

Cheapest car insurance in Staunton after other driving violations

Breaking even one of the traffic laws in Staunton could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.
Check out this list of common traffic violations in Staunton, and see how they affect car insurance rates.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$103
Martha, 52
Zip: 24401
Chevrolet Cavalier
• 30,000/60,000 Liability
Failure to Obey Signal
Bristol West
$106
Gene, 52
Zip: 24401
Chevrolet Cavalier
• 30,000/60,000 Liability
Seat Belt
AAA
$152
Anne, 28
Zip: 24401
Chevrolet Sonic LS
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Apr 19, 2024

Cheap car insurance quotes in Staunton by age

Very old and very young drivers face higher than average rates in Staunton. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, expect to pay more for coverage in Staunton.

Cheapest car insurance in Staunton for young drivers

More specifically,
teen drivers
under the age of 19 or with a
provisional license
will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.
Here are some real-life examples of young drivers in Staunton who got insurance through Jerry.
card cover
Chester (18 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationStaunton, VA
(Zip Code: 24401)
$242
per month
card cover
Electric
Larry (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
$161
per month

Cheapest car insurance in Staunton for senior drivers

Golden years come with
golden price tags
, unfortunately. Senior drivers are more vulnerable to serious injury in a car accident, which is why car insurance companies charge them more for coverage.
card cover
Gainsco
Wayne (74 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
$214
per month

Cheap car insurance quotes in Staunton based on insurance history

If you don’t maintain car insurance coverage consistently, the companies will see a
lapse in coverage
on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.
Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Staunton drivers below.
card cover
Lela (32 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
carJeep Compass Latitude
$94
per month
card cover
Larry (37 years old)
Currently Insured
coverageCoverage
State Minimum
locationStaunton, VA
(Zip Code: 24401)
$169
per month
card cover
Nancy (31 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
$103
per month
card cover
Edward (18 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationStaunton, VA
(Zip Code: 24401)
$242
per month
card cover
Gainsco
Trevor (74 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationStaunton, VA
(Zip Code: 24401)
$214
per month

Cheap car insurance quotes in Staunton for drivers with poor credit

While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if
your credit score
is under 600, you can expect to be charged a higher rate for coverage in Staunton.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Assurance America
$153
Pauline, 52
Zip: 24401
Mercedes-Benz E 350 4matic
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
Assurance America
$153
Marc, 52
Zip: 24401
Mercedes-Benz E 350 4matic
• 30,000/60,000 Liability
• Comp / Collision
550 - 659
Progressive
$94
Mollie, 32
Zip: 24401
Jeep Compass Latitude
• 30,000/60,000 Liability
• Comp / Collision
< 550
National General
$73
Aaron, 52
Zip: 24401
Chevrolet Cavalier
• 30,000/60,000 Liability
coverageLast Updated Apr 16, 2024

How to lower car insurance costs in Staunton

1. Shop around and compare quotes

Every insurance company operates by a unique set of rules to determine your premium, and these rules are in a constant state of flux. Seasoned experts recommend comparing quotes from a minimum of three companies to find the lowest rate. They also say you should
shop around every six months
.
Jerry is an insurance comparison app that makes the mind-numbing shopping process a breeze. In 45 seconds, Jerry taps into a vast pool of over 55 top-tier insurance providers. 

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Drive safely, avoid at-fault accidents, and don’t get any points on your license. If you do this, you could unlock a
    safe driver discount
    .
  • Telematics discounts. Telematics programs track your driving habits and reward good behavior. You can usually get a discount just for signing up!
  • Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

Why is car insurance in Staunton so expensive?

Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:
  • Cost of car parts
  • Traffic accident rates
  • Rising medical costs
  • Natural disasters

FAQ

How much is car insurance in Staunton?

People living in Staunton pay on average $89 per month – or $1,068 per year – on state-minimum liability coverage. Full coverage in Staunton costs on average $116 per month or $1,392 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 

What is the cheapest car insurance in Staunton?

Based on thousands of Staunton drivers Jerry has worked with, car insurance in Staunton costs an average of $89 per month for state-minimum coverage and $116 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the best car insurance in Staunton?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, State Auto, and The General receive good ratings from Staunton drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Staunton, Virginia?

The state-minimum car insurance in Staunton, Virginia is as follows:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
These coverages are commonly referred to as 30/60/20 coverage.
Virginia drivers must carry the same amount of uninsured motorist coverage at 30/60/20.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.