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Cheapest car insurance in Coeburn, Virginia (Nov 2024)
Cheapest car insurance in Coeburn, Virginia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Coeburn, Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Coeburn
- How to find the cheapest car insurance in Coeburn
- Best cheap car insurance quotes in Coeburn
- Average cost of car insurance in Coeburn
- Car insurance quotes in Coeburn by rating factors
- How do different factors impact your car insurance costs in Coeburn?
- Cheap car insurance quotes in Coeburn after driving violations
- Cheap car insurance quotes in Coeburn by age
- Cheap car insurance quotes in Coeburn based on insurance history
- Cheap car insurance quotes in Coeburn for popular cars
- How to lower car insurance costs in Coeburn
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Coeburn
State Farm
in Coeburn, VA may be one of the biggest car insurance companies, but that doesn’t make it the best. The best car insurance companies balance affordability with great customer service, claims processing, and overall excellence.Researching all the insurance providers in Virginia would normally take hours, but Jerry’s already done the work for you. In the nation’s largest shopping survey, Virginia drivers gave State Farm middling scores in policy cost and customer service and high marks for renewal, ending with a solid overall score of 3.9/5.0.
Smaller auto insurance companies fared better; Clearcover and
National General
both finished with 4.8/5.0 overall, with both receiving the highest scores in cost effectiveness.If you want more detail on the strengths and weaknesses of the best car insurance companies in Coeburn, as decided by thousands of verified customers, take a look at the chart below.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$30 | $61 | 4.1 | 4.3 | |
$31 | $91 | 3.3 | 3.9 | |
Clearcover | $43 | $105 | 4.6 | 4.8 |
$61 | $128 | 3.9 | 4.2 | |
Gainsco | $71 | $152 | 4.1 | 4.4 |
$72 | $139 | 4.7 | 4.8 | |
$82 | $124 | 3.8 | 4.1 |
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.
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.
How to find the cheapest car insurance in Coeburn
Drivers in Coeburn,
Virginia
, pay an average of $56 per month for minimum coverage liability insurance, or $675 per year. For full coverage insurance, they pay an average of $98 per month or $1,182 per year. Rates in Coburn are 32.6% lower than the state average.With dozens of car insurance companies competing for your business, it’s not always easy to find the best coverage, let alone the best price. Comparison shopping between multiple
car insurance quotes
is key.For thousands of Coeburn drivers, the
Jerry
is the solution. The Jerry app gathers and compares free quotes automatically to help you find the best policy. Here are just a few of the deals Jerry found for customers in Coeburn:| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $113 | Ivan, 25 Zip: 24230 | KIA Sorento EX | • 30,000/60,000 Liability |
Gainsco | $188 | Eddie, 34 Zip: 24230 | Dodge Durango SXT | • 30,000/60,000 Liability • Comp / Collision |
Electric | $73 | Mittie, 55 Zip: 24230 | Chevrolet Cobalt LT | • 30,000/60,000 Liability • Comp / Collision |
| Dairyland | $142 | Dora, 37 Zip: 24230 | Ford Mustang GT | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Best cheap car insurance quotes in Coeburn
Following
Virginia car insurance laws
, Coeburn drivers must carry a liability car insurance
policy that includes bodily injury and property damage liability coverage. The coverage limits should follow the 30/60/20 rule.Cheap minimum liability insurance quotes in Coeburn
The minimum liability insurance coverage limits for Coeburn (and Virginia as a whole) follow a 30/60/20 rule. That means at least:
- $60,000 of bodily injury liability coverage per accident
Since
Virginia is an at-fault state
with an uninsured driver rate of 10%, it also mandates uninsured motorist/underinsured motorist coverage (UM/UIM)
. The limits are the same as those for liability insurance:- $30,000 of uninsured motorist bodily injury coverage per person
- $60,000 of uninsured motorist bodily injury coverage per accident
- $20,000 of uninsured motorist property damage coverage per accident
With UM coverage, your medical treatment and vehicle repairs are covered even if the other driver isn’t carrying any liability insurance. UIM coverage works much the same way, except it only applies when the at-fault driver’s coverage limits aren’t high enough to cover all your damages.
The Virginia state code prohibits any driver from carrying less than the minimum amount of insurance. However, you can find minimum coverage for less than the usual price using the Jerry app.
Essie (25 years old)
$90
per month
Electric
Emma (26 years old)
$180
per month
Do you need more than minimum coverage in Coeburn?
It’s not against the law to carry no more than the minimum insurance coverage. Many Coeburn drivers, however, prefer to carry higher limits and extra coverage options to protect their finances from the consequences of a severe car accident
A major at-fault car crash comes with major costs. You could face bills—and later, lawsuits—worth hundreds of thousands of dollars for medical expenses, vehicle repair bills, and vehicle replacement fees. If your 30/60/20 coverage isn’t enough for all of it, you’ll be on the hook for the rest.
The best practice is to buy as much liability coverage as you can afford. Most experts recommend limits of 50/100/50 or 100/300/100 to cover your assets and future income—and it might not cost as much as you think. Take a look at the sample rates below.
Cheap full coverage car insurance quotes in Coeburn
Did you know liability car insurance only benefits the other driver? To cover your own repair and replacement costs—not to mention any damages resulting from crime or unexpected weather—you need a
full coverage car insurance
policy. Full coverage includes two types of coverage: collision and comprehensive.
Collision coverage
pays for repairs if your car is damaged in an accident, while comprehensive coverage
covers the costs of theft, weather, or vandalism. If you have a lease or loan on your car, your lender may require you to carry full coverage to protect their investment. Make sure to check the fine print of your agreement before signing off on a policy.
If you're wondering how much full coverage insurance costs in Coeburn, here's a sampling of deals that Jerry customers found.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $148 | Polly, 37 Zip: 24230 | Ford Mustang GT |
• 30,000/60,000 Liability • Comp / Collision | National General | $129 | Belle, 43 Zip: 24230 | Ford F150 Supercrew |
• State Minimum Liability • Comp / Collision | Bristol West | $302 | Milton, 26 Zip: 24230 | Nissan Sentra S |
• 30,000/60,000 Liability • Comp / Collision | State Auto | $79 | Polly, 55 Zip: 24230 | Chevrolet Cobalt LT |
Last Updated Nov 21, 2024Finding the right coverage and provider can be time-consuming. Luckily, there are quote-comparing apps and websites to help you out.
Jerry is free to use and comes with a team of 100+
licensed insurance agents
to help you understand your options and answer any questions. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Coeburn
According to Jerry’s data, the average cost for minimum liability coverage is $56 per month or $675 per year. As for full coverage insurance, the average rate in Coeburn is $98 per month o $1,182 per year.
Keep in mind that the average rates only apply to a completely average driver. Your unique driver profile is what determines your rates, and depending on your driving history and record, they could end up higher or lower.
Car insurance quotes in Coeburn by rating factors
Insurance companies check a number of rating factors when they
calculate your car insurance premiums
in Coeburn, including:- Your age: If you’re less than 25 years old, insurers will consider you an inexperienced driver, and you’ll have to pay more for car insurance.
- Your credit score: If you have a good credit score (over 750), providers will assume you’re less likely to file a claim, and you’ll pay lower rates.
- Your driving record and claims history: If you’ve got lots of traffic violations and at-fault accidents on your driving record, insurers will charge you more for coverage.
- Your parking spot: If you park in a high-risk neighborhood, you’ll see higher than average rates.
- Your vehicle: If you drive a luxury or sports car, you’ll pay more for insurance overall.
How do different factors impact your car insurance costs in Coeburn?
How do different factors impact your car insurance costs in Coeburn?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Coeburn currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Coeburn:
Cheap car insurance quotes in Coeburn after driving violations
The consequences for driving violations in Coeburn don’t just end with fines and legal penalties—they also raise the cost of coverage. Multiple violations can lead to being labeled a
high-risk driver
and paying even more for insurance as a result.Cheapest car insurance in Coeburn after DUI
A DUI in most other states is a
DWI in Virginia
, and the state imposes serious penalties on any offense. You’ll have trouble finding affordable car insurance after a DWI conviction in Coeburn; some providers may even refuse you coverage.Coeburn drivers with a DWI use Jerry to see all their options in one place:
Cheapest car insurance in Coeburn after an at-fault accident
A history of at-fault car accidents makes you a high-risk driver in the eyes of most insurance companies. However, it’s still possible to search for a competitive rate by comparing different quotes.
Here are some examples of auto insurance quotes for drivers in Coeburn who were involved in at-fault accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $148 | Ralph, 37 Zip: 24230 | Ford Mustang GT | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Safeco | $218 | Eugene, 25 Zip: 24230 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | AAA | $159 | Hettie, 42 Zip: 24230 | Ford F150 Supercrew | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Coeburn after other driving violations
Any traffic ticket you receive has the potential to drive up your insurance rates. That’s right—even a citation for tailgating could end up on your driving record.
Here are some of the most common traffic violations in Coeburn, plus the rates that Jerry customers found after receiving a ticket:
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $279 | Kevin, 25 Zip: 24230 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Failure to Yield | Assurance America | $199 | Sophie, 26 Zip: 24230 | Lexus IS 250 | • 30,000/60,000 Liability |
Failure to Yield | Assurance America | $199 | Francis, 26 Zip: 24230 | Lexus IS 250 | • 30,000/60,000 Liability |
Last Updated Nov 15, 2024Cheap car insurance quotes in Coeburn by age
Car insurance rates are highest for very young drivers and senior drivers. Both face increased chances of getting into a car accident, albeit for different reasons. If you’re outside the golden age bracket of 25-65, budget more for car insurance.
Cheapest car insurance in Coeburn for young drivers
It’s hard to find
affordable car insurance for teen drivers
under the age of 19. Carrying a Virginia provisional license
means they’re inexperienced, which is why Jerry recommends full coverage insurance for new drivers, especially if they have a newer vehicle.These young drivers found deals in Coeburn through Jerry:
Gainsco
Vera (23 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Coeburn, VA (Zip Code: 24230)
$356
per month
Cheapest car insurance in Coeburn for senior drivers
Unfortunately, many providers charge a lot for
car insurance for seniors
because they’re more vulnerable to serious injuries in a car accident. Although rates generally increase for senior drivers, motorists over 65 can still find cheap car insurance.Max (75 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Coeburn, VA (Zip Code: 24230)
$55
per month
Cheap car insurance quotes in Coeburn based on insurance history
Any
car insurance lapse
is a red flag to insurance providers. They indicate a period of time when you weren’t carrying car insurance, so your premiums go up as a result.These Coeburn drivers found a new car insurance policy and kept it with the Jerry app and its automatic payment reminders.
Dale (37 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Coeburn, VA (Zip Code: 24230)
$148
per month
Dylan (54 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Coeburn, VA (Zip Code: 24230)
$79
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Travelers is so quick to send help! And I got a discount for renewing!
Kenya
Always help me out with budget prices
Daniel
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
Briana
By far the cheapest and best insurance, yet fits right into my budget!
Bethane
Cheap car insurance quotes in Coeburn for drivers with poor credit
Your credit score has nothing to do with your driving abilities, but according to the data, it has some correlation with your likelihood of filing an insurance claim. If you have a credit rating under 600, you might have trouble finding a low-cost policy in Coeburn.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Assurance America | $199 | Jeremiah, 26 Zip: 24230 | Lexus IS 250 | • 30,000/60,000 Liability |
660 - 750 | Assurance America | $199 | Lillian, 26 Zip: 24230 | Lexus IS 250 | • 30,000/60,000 Liability |
550 - 659 | Progressive | $148 | Don, 37 Zip: 24230 | Ford Mustang GT | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheap car insurance quotes in Coeburn for popular cars
Your choice of car plays a role in deciding your insurance premiums in Coeburn. For example, a top-of-the-line Range Rover costs more to insure than the ever-practical
Camry
.Here are the five most popular cars on Coeburn roads:
- Honda CR-V
- Ford F-150
- Toyota RAV 4
- Honda Civic
- Honda Accord
And here’s how much real policyholders pay with Jerry for their vehicles:
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Honda Honda_cr-V | Nationwide | $82 | Victor, 33 Zip: 24230 | • 100,000/300,000 Liability |
| Ford Ford_f-150 | Nationwide | $62 | Lottie, 33 Zip: 24230 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 17, 2024How to lower car insurance costs in Coeburn
1. Shop around and compare quotes
Each insurance company follows its own set of rules to calculate your insurance premiums, and the rules are always changing. According to the experts, staying on top of the best insurance deals means
comparison shopping
between at least three companies every six months. You can choose to shop with an insurance agency, or with a broker, like Jerry.
2. Hunt for car insurance discounts
Providers offer a variety of
car insurance discounts
, but the programs available differ from one company to another. - Safe driver discount: The reward for practicing safe driving, avoiding at-fault accidents, and avoiding driver violation points is asafe driver discount.
- Telematics discounts: Several providers offer insurance products, such as telematics apps, to help drivers lower policy costs. Drivers who enroll in telematics programs that track their driving habits and reward good behavior.
- Good student discounts: Full-time high school and college students who maintain a B average or higher may qualify for savings.
- Bundling discounts: Discounts are often available to customers who bundle theirhomeowners insurance and auto insurance policies(or auto and renters insurance policies) with the same company.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is a simple way to trim your bills without giving up the protection of a full coverage policy.
Why is car insurance in Coeburn so expensive?
Compared to the national average, car insurance in Virginia is fairly affordable. However, if you’ve recently experienced an increase in your premiums, here are some reasons why it could’ve climbed:
- Car part costs
- Traffic accident rates
- Rising medical costs
- Natural disasters
FAQ
Who has the cheapest car insurance in Virginia?
Insurance rates are so individualized that no single provider has the cheapest car insurance for every driver in Virginia. However, most Virginia drivers find savings with
Nationwide Insurance
and State Farm Insurance
. Does Liberty Mutual cover Virginia?
Liberty Mutual does provide coverage in Virginia. From state minimum coverage to full coverage policies, Liberty Mutual is one of the biggest providers in the state, and favored by several drivers in the state.
Why is car insurance so expensive in Virginia?
Car insurance is expensive in Virginia due to the high number of drivers. Among every US state,
Virginia has the 12th highest number of licensed drivers
. It may not be as high as California, but that’s still nearly 6,000,000 drivers using the roads and getting into car accidents, which can increase rates.Who has the best car insurance rates in Virginia?
Because insurance premiums depend on individual driver data, no company has the best car insurance rates for every driver in Virginia. To find the lowest-cost option, compare quotes from multiple providers. The Jerry app can help you explore local insurance deals and coverage options so you can get the right protection for your specific needs.
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
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Kianna Walpole
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.
Josh Damico
Head Of Insurance Operations
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.