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Cheapest car insurance in Hillsville, Virginia (Jul 2024)

The average yearly payment is $540 for minimum coverage. VA drivers can pay $500 to opt out, but there are better (and safer) options to cut costs.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

Best car insurance companies in Hillsville

State Farm
and
USAA
tend to offer the lowest premiums in Hillsville, according to a recent survey. The most common insurance companies in this area are State Farm, USAA,
Progressive
,
Allstate
, and
Nationwide
, but only State Farm in Hillsville VA offers rates that are lower than the state average.
In truth, there is no “best” company in Hillsville because every driver is unique. The best coverage options might mean the cheapest to some drivers, but make sure you consider claims handling performance and customer service as well. There are lots of good insurance companies in Hillsville, but there’s only one that’s right for you.
Here’s what local drivers had to say when asked to rate top insurance agencies. These insurance companies were rated by Hillsville drivers on a scale of 0 to 5 on key criteria. 
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
$22
$64
4.2
4.5
Clearcover
$26
$72
N/A
4.6
$35
$88
4.2
4.4
Gainsco
$45
$146
4.1
4.4
$46
$135
3.8
4.2
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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 Hillsville

$45 is the average monthly payment for minimum liability car insurance coverage in Hillsville, VA. For a full coverage insurance policy, Hillsville drivers pay an average of $116 per month. 
Rates in Hillsville are lower than both the Virginia state average and the national average.
Coverage type
Hillsville, VA
Virginia
United States
State minimum
$45
$61
$77
Full coverage
$116
$130
$165
Although average rates are already cheap, you should know that you could be paying even less for coverage. By comparing rates from multiple companies, your premium could be below average. 

Best cheap car insurance quotes in Hillsville

Virginia car insurance laws
state that all drivers must carry at least 30/60/20 in liability coverage. But keep in mind that the limits for car insurance in Hillsville, VA, will increase in 2025.1 
In this state, providers are required2 to offer you
uninsured/underinsured motorist
protection, too. Drivers are required to carry uninsured motorist coverage3 with, at the very least, the same limits as their liability coverage.
REMEMBER: VA drivers are legally allowed to pay a $500 uninsured motor vehicle fee to the state DMV to opt out of insurance, but if you’re involved in an accident, you’ll be personally liable.

Cheap minimum liability insurance quotes in Hillsville

30/60/20 are the liability limits in Virginia:
  • $30,000 per person of
    bodily injury
    liability coverage
  • $60,000 per accident of bodily injury liability coverage
  • $20,000 per accident of
    property damage
    liability
Liability coverage pays out to protect other drivers if you cause injuries or property damage, under
Virginia’s car accident laws
.
UM/UIM coverage can be purchased at the same levels as liability coverage. 
As of July 2023,4 Virginia drivers benefit from a new law that allows policyholders to tap into their UM/UIM coverage for any damages after an accident. Previously, your UM/UIM coverage only kicked in after your own policy limits were reached. Now, you can use UM/UIM coverage regardless of whether you had full coverage or your limits were used up.
These Hillsville drivers found affordable coverage with Jerry.
Insurance company
Monthly minimum coverage cost
$22
Clearcover
$26
$35

Do you need more than minimum coverage in Hillsville?

Legally speaking, you can opt out of car insurance for a $500 fee in Virginia. However, this gives you zero protection if you get into an accident where you could be sued for thousands of dollars.
While Virginia’s minimum liability limits are helpful, even these limits may not cover all the costs in a serious accident. For instance, a basic policy includes $20,000 in property damage—but you might be on the hook for over $40,000 if you have to replace someone’s brand-new car.
The truth is that most experts recommend increasing liability limits to 50/100/50 or 100/300/100. Another way to better protect yourself is to get full coverage policy options on your vehicle.

Cheap full coverage car insurance quotes in Hillsville

Full coverage pays to repair or replace your own vehicle after an incident, whereas liability policies only pay out to other people. This type of policy is not mandatory in Virginia—or in any state—but it sure provides great coverage:
  • Collision coverage
    pays to repair or replace after collision-related damage, like car crashes or hitting a stationary object.
  • Comprehensive coverage
    pays to repair or replace after non-collision damage, like hail, vandalism, or theft.
If you drive a leased or financed vehicle, it’s perfectly legal for your lender to require you to carry full coverage
Here’s what Hillsville drivers are paying for full coverage.
Insurance company
Monthly full coverage cost
$64
$67
Clearcover
$72
Lower my car insurance too!

Average cost of car insurance in Hillsville

Per month, the average Hillsville driver pays about $45 for minimum coverage or $116 for full coverage. As a yearly sum, that’s $540 for minimum coverage and $1,392 for full coverage.
Virginia presents an unusual set of challenges for drivers and insurance providers. Firstly, coverage is not mandated for all drivers in this state, which means many drivers are uninsured. Furthermore, risk factors are increasing in this area that could create hazardous conditions for drivers. 
Virginia’s average rate of dangerous climate events has nearly tripled5 since the 1980s, which can damage cars and create unsafe roads. Not only that, but according to the Insurance Information Institute,6 there were more than 11,000 auto thefts in Virginia in 2022. 
Given that Virginians have experienced a 28% rise7 in insurance rates between mid-2022 and mid-2023, finding affordable car insurance in Hillsville, VA, means using the
best tools available
Sure, the average rates are a good starting point, but your actual rates could be higher or lower depending on your history. Maybe you’ve got a seriously clean record—or a few speeding tickets. Jerry’s
comparison app
can help you uncover the lowest possible rates for the right coverage.

Car insurance quotes in Hillsville by rating factors 

Insurance companies use complex algorithms to
calculate rates
for customers. Each formula assesses a person’s risk factors to determine their premium. These factors include:
  • Vehicle type: Cars that cost more to repair and replace (sports cars and luxury models) cost more to insure. 
  • Vehicle location: Some ZIP codes have higher theft and accident rates. If you live in these areas, you’ll pay more for the same coverage.
  • Usage: Commuters pay more for coverage than infrequent leisure drivers. 
  • Driving record: If you have tickets, violations, and claims on your record, you’ll pay more for coverage. 
  • Driver age: Middle-aged drivers get the best rates for coverage, whereas drivers under 25 pay the highest rate of all groups. 
  • Driver credit score: If your credit score is lower than 550, you’ll pay the highest rates for coverage.

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

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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): Hillsville currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Hillsville:

Cheap car insurance quotes in Hillsville after driving violations

Every violation that can earn you a ticket can earn you a rate hike, too. Serious infractions—or a history of violations—can tag you as a
“high-risk” driver
, and these Hillsville drivers pay extremely high insurance premiums.

Cheapest car insurance in Hillsville after speeding ticket

Virginia’s laws on speeding tickets
are straightforward.8 You’re charged per mile over the limit you were traveling (either $7 or $8), with an extra $100 surcharge for traveling over 80 mph. That’s
reckless driving
.
On top of fines, you’ll also experience higher car insurance premiums after a speeding ticket. 
Violation
Monthly coverage cost
Rate increase (%)
Speeding
$214
167%

Cheapest car insurance in Hillsville after DUI

Every intoxicated violation is considered a
DWI (driving while intoxicated) in Virginia
. You’ll face serious penalties like fines and possible jail time, as well as sky-high insurance prices when your policy renews. 
Violation
Monthly coverage cost
Rate increase (%)
DUI
$294
267%

Cheapest car insurance in Hillsville after an at-fault accident

Insurance companies care about your accident history because it predicts how likely you are to cause another accident in the future—if you have an at-fault accident on your record, expect to pay more for insurance.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident
$134
67%

Cheapest car insurance in Hillsville after other driving violations

Your record includes big and small violations—and all tickets can have a negative impact on your premiums. Even failing to use your signal can bump up your rate!
Here’s a list of common traffic violations in Virginia. Check out how much these drivers are paying for coverage.
Violation
Monthly coverage cost
Rate increase (%)
Failure to stop
$165
106%
Illegal turn
$207
159%
Failure to wear seatbelt
$233
191%
Passing school bus
$242
202%

Cheap car insurance quotes in Hillsville by age

young drivers face uniquely elevated risks behind the wheel, so these groups pay the highest rates for coverage in Hillsville.

Cheapest car insurance in Hillsville for young drivers

Teens
in this small town pay the highest rates for insurance, due to their lack of experience behind the wheel. That’s another reason teens with
provisional licenses
should consider full coverage.
Rates should drop down at age 25, but until then, young people should try to cut costs by staying on a parent or guardian’s policy.
Here are some real-life examples of young drivers in Hillsville who got insurance through Jerry.
Age
Monthly minimum coverage cost
Monthly full coverage cost
18-21
$165
$186

Cheapest car insurance in Hillsville for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Age
Monthly minimum coverage cost
Monthly full coverage cost
22-25
$44
$77
26-34
$63
$104
35-44
$46
$96
45-54
$42
$80
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Hillsville for senior drivers

Although
older drivers
have more experience, they’re also more vulnerable in a serious accident. There’s no denying the vision and hearing loss that many seniors face, too.
At age 75, rates tend to increase again for Hillsville drivers. Take a look at the rates older Hillsville drivers were able to find through Jerry.
Age
Monthly minimum coverage cost
Monthly full coverage cost
55-64
$41
$127
65+
$51
$110

Cheap car insurance quotes in Hillsville based on insurance history

People with continuous coverage pay the lowest rates for insurance. On the other hand, any
lapse in coverage
can trigger higher rates. That’s because companies assume you were engaging in risky behavior. 
Hillsville drivers with lapses are paying in this rate range for coverage.
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses
$181
126%

Cheap car insurance quotes in Hillsville for drivers with poor credit

If you’re a Hillsville driver with a credit score below 600, you’ll pay higher rates for coverage than the average driver. 
Low credit scores
indicate that you may have struggled to pay your bills on time in the past. This matters a lot to insurance companies, even if you have a clean driving record.
Credit score
Monthly coverage cost
< 600
$240
601-699
$186
700+
$97

How to lower car insurance costs in Hillsville

1. Shop around and compare quotes

Every six months, you have a golden opportunity to save money. That’s when your policy is up for renewal, and you can either stay with the same company or switch to a cheaper one. 
Formulas change so often that there’s no guarantee your current company will still be the cheapest company in the future, whether or not your driving history has changed. So, do yourself a favor and
shop around
for free quotes at multiple companies before you click renew.

 2. Hunt for car insurance discounts

You can earn (and stack) discounts at pretty much every major insurance company. Here are some of the most
common car insurance discounts
:
  • Telematics discounts. These programs track your driving behavior and reward safe habits. You can usually get a discount just for signing up.
  • Bundling discounts
    . When you carry auto insurance as well as homeowners insurance, renters insurance, or life insurance at the same company, you can unlock a bundling discount.
  • Good driver discounts
    . Go several years without any accidents or tickets and you’ll unlock this hefty discount.
  • Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average. You’ll have to show proof of enrollment and proof of grade point average.

3. Increase your deductible for comprehensive and collision coverage

Deductibles are out-of-pocket payments you have to make before your full coverage kicks in. If you can comfortably increase that deductible, then your monthly premium will go down without affecting your coverage limits. Only do this if you can truly afford the increased out-of-pocket sum.

Why is car insurance in Hillsville so expensive?

Although Virginia car insurance is pretty affordable compared to the national rate, premiums are increasing in this area due to several factors: 
  • Uninsured drivers
  • Cost of car parts and healthcare
  • Rural lifestyle risks
  • Natural disasters
Rates have recently risen about 20%9 for most Virginia drivers, which is partially due to inflation.

FAQs

How much is car insurance in Hillsville?

The average driver in Hillsville pays about $45 per month for minimum coverage, or $116 per month for full coverage. That’s between $540 and $1,392 per year, depending on your insurance needs.  

What is the cheapest car insurance in Hillsville?

Although the average monthly rate is $45, you could pay less than that. You’ll have to pull quotes from multiple companies to unlock lower rates, which you can do with a free comparison app like Jerry.
There’s no cheapest company for every Hillsville driver, but our data shows that Travelers, Clearcover, and Safeco policyholders are happy with the cost of their policies.

What is the best car insurance in Hillsville?

Nationwide, State Auto, and The General receive good ratings from Hillsville drivers in a recent survey. But there is no one best company for everyone—what might be an important factor to you may not be the most important factor to someone else. Some drivers care most about cost, whereas others prefer a company with insurance services that can help you file a claim via phone, or service in Spanish.

What is the minimum car insurance in Hillsville, Virginia?

Drivers who do not pay the $500 opt-out fee must carry liability coverage that meets at least the 30/60/20 limits set by the state of Virginia. That’s $30,000 in bodily injury per person and $60,000 in bodily injury per accident, plus $20,000 in property damage. Drivers in VA must also carry those coverage limits in UM/UIM.

How much is car insurance per month in VA?

The average Virginia driver pays about $61 per month for minimum coverage, which is $732 per year. Virginia drivers with full coverage pay about $131 per month or $1,572 per year for car insurance. 

What happens if you drive without insurance in Virginia?

There are two possibilities. First, you can legally drive without insurance if you’ve paid your $500 fee to the DMV at your registration renewal. There are no penalties for this.
Second, you will be considered illegally driving if you have not paid this fee and you do not currently have insurance. In this case, your license may be suspended and you’ll be charged a $600 fee plus additional fees to reinstate your license. You can be required10 to file an SR-22, too.

Can you opt out of car insurance in VA?

Yes, Virginia allows drivers to pay a $500 uninsured motorist fee to avoid taking out a policy. This payment is due when you register or renew your registration. However, the average annual cost of minimum coverage is not far off (at $540), so think carefully about your decision.

Do you need insurance on a car that doesn’t run in Virginia?

If a car is not being driven and it is securely parked on private property, then it does not need to be insured in Virginia. However, vehicles with registrations and vehicles parked on public property must be registered with the state.
In Virginia, if a vehicle is not registered, parked on private property, or not being driven, then you do not have to insure it.

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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Josh Damico
badge icon
Head Of Insurance Operations
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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.