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Cheapest car insurance in Triangle, Virginia (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Triangle, Virginia.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Triangle

On average, auto insurance in Triangle costs about $68 per month for minimum coverage liability insurance and about $166 per month for full coverage insurance. Triangle drivers pay -- 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 Triangle 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 Triangle customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$97
Clarence, 57
Zip: 22172
Chevrolet Cruze LT
• 50,000/100,000 Liability
• Comp / Collision
State Auto
$115
Eliza, 30
Zip: 22172
Toyota Corolla CE
• 30,000/60,000 Liability
• Comp / Collision
National General
$97
Andre, 25
Zip: 22172
Hyundai Sonata SE
• 30,000/60,000 Liability
Assurance America
$93
Roxie, 30
Zip: 22172
Saturn ION Level 2
• 30,000/60,000 Liability
coverageLast Updated Nov 22, 2024

Best Car Insurance Companies in Triangle

Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Triangle driver is unique, and so are their premiums.
To find the best rates, you need to
compare quotes
from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you. 
To help Triangle drivers better compare the cheapest car insurance companies, Jerry conducted a major insurance survey. The data reveals that
State Farm
and
USAA
tend to offer the lowest premiums in Triangle, but you may not be eligible for the best of these rates. The most common insurance companies in Triangle are State Farm, USAA,
Progressive
,
Allstate
, and
Nationwide
, but only State Farm’s rates are lower than the Virginia state average.
Here’s a look at some real reviews from Triangle drivers about their insurance companies.
The table below shows how drivers in Triangle rate different companies on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.2
3.7
3.7
4.3
Liberty Mutual
4.2
3.6
N/A
4.8
Geico
4.1
3.3
4.4
4.2
State Farm
4
3.5
4
3.9
Allstate
3.9
4.2
N/A
4.1
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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.

Best cheap car insurance quotes in Triangle

Virginia laws
require all Triangle 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 Triangle

Let’s break down the minimum required liability coverage for Triangle 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 Triangle 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 Triangle 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 Triangle:
  • $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 Triangle driver is exempt from these requirements.  
You can find affordable minimum liability and uninsured motorist coverage in Triangle with help from Jerry—like the drivers below. 
card cover
Landon (53 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
carToyota Corolla L
$174
per month
card cover
Lucille (25 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
carHyundai Elantra SE
$145
per month
card cover
Frank (54 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
carToyota RAV4 XLE
$81
per month
card cover
Gainsco
Glenn (45 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
carNissan Sentra S
$105
per month
card cover
Leo (43 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
carHonda Accord Sport Special Edition
$143
per month

Do you need more than minimum coverage in Triangle?

You won’t be breaking any laws if you stick with the minimums, but many Triangle 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 Triangle

Did you know that liability coverage only protects other people? Full coverage in Triangle 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 Triangle.
Here’s a breakdown of Triangle
full coverage car insurance costs
.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$97
Clarence, 57
Zip: 22172
Chevrolet Cruze LT
• 30,000/60,000 Liability
• Comp / Collision
Safeco
$154
Matilda, 39
Zip: 22172
Audi A3 Premium
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$209
Josephine, 31
Zip: 22172
Chevrolet Corvette Stingray 1LT
• 50,000/100,000 Liability
• Comp / Collision
National General
$242
Mark, 32
Zip: 22172
Chrysler 200 Limited
• 50,000/100,000 Liability
• Comp / Collision
Electric
$227
Viola, 24
Zip: 22172
Chevrolet Malibu 2LT
coverageLast Updated Nov 22, 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 Triangle

In helping hundreds of Triangle drivers find cheaper rates, we found the average cost for minimum liability coverage to be $68 per month or $819 per year. 
The average cost for full coverage insurance in Triangle is $166 per month or $1,991 per year.
Don’t jump to any conclusions! These are average rates, but you’re probably not the average Triangle 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 Triangle by rating factors 

Insurance companies in Triangle 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 Triangle?

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

Cheap car insurance quotes in Triangle after driving violations

Driving violations in Triangle 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 Triangle driver’s.

Cheapest car insurance in Triangle after DUI

Virginia considers all intoxicated violations to be DWIs—and the state has
strict laws
with serious penalties. Any DUI conviction in Triangle will cause your insurance rates to skyrocket, and some companies might refuse to cover you.
Finding insurance in Triangle after a DUI can be complicated, but Jerry has helped tons of drivers. 
card cover
Francis (35 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationTriangle, VA
(Zip Code: 22172)
$56
per month
card cover
Max (45 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
$77
per month

Cheapest car insurance in Triangle 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 Triangle drivers who have at-fault accidents on record.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$380
Verna, 31
Zip: 22172
Chrysler 200 Limited
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Travelers
$105
Minnie, 30
Zip: 22172
Volkswagen Jetta SEL
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
AAA
$216
Eugenia, 45
Zip: 22172
Mercedes-Benz GLK 350 4matic
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 23, 2024

Cheapest car insurance in Triangle after other driving violations

Breaking even one of the traffic laws in Triangle 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 Triangle, and see how they affect car insurance rates.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$191
Rosetta, 22
Zip: 22172
Honda Civic EX
• State Minimum Liability
Failure to Obey Signal
Gainsco
$347
Carrie, 29
Zip: 22172
Mercury Mariner Premier
• 30,000/60,000 Liability
• Comp / Collision
Careless Driving
State Auto
$115
Max, 29
Zip: 22172
Toyota Corolla CE
• 30,000/60,000 Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$191
Nettie, 22
Zip: 22172
Honda Civic EX
• State Minimum Liability
Improper Passing
Gainsco
$347
Patrick, 29
Zip: 22172
Mercury Mariner Premier
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 20, 2024

Cheap car insurance quotes in Triangle by age

Very old and very young drivers face higher than average rates in Triangle. 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 Triangle.

Cheapest car insurance in Triangle 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 Triangle who got insurance through Jerry.
card cover
Logan (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationTriangle, VA
(Zip Code: 22172)
$142
per month
card cover
Electric
Jose (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationTriangle, VA
(Zip Code: 22172)
carJeep Grand Cherokee Limited
$115
per month

Cheapest car insurance in Triangle 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
Craig (75 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationTriangle, VA
(Zip Code: 22172)
$61
per month
card cover
Mark (72 years old)
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
$82
per month

Cheap car insurance quotes in Triangle 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 Triangle drivers below.
card cover
Darrell (28 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationTriangle, VA
(Zip Code: 22172)
carChevrolet Cruze LT
$190
per month
card cover
Alvin (36 years old)
Currently Insured
coverageCoverage
State Minimum
locationTriangle, VA
(Zip Code: 22172)
$114
per month
card cover
Dennis (29 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationTriangle, VA
(Zip Code: 22172)
carSaturn ION Level 2
$99
per month
card cover
Cole (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationTriangle, VA
(Zip Code: 22172)
carChrysler 200 Limited
$289
per month
card cover
Rachel (29 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationTriangle, VA
(Zip Code: 22172)
carToyota Corolla CE
$115
per month

Cheap car insurance quotes in Triangle 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 Triangle.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$83
Ronald, 35
Zip: 22172
Nissan Rogue S
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
Gainsco
$518
Stephen, 21
Zip: 22172
Jeep Grand Cherokee Summit
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
National General
$142
Betty, 22
Zip: 22172
BMW 335 i
• 30,000/60,000 Liability
550 - 659
Nationwide
$112
Elsie, 31
Zip: 22172
Chevrolet Equinox LT
• 50,000/100,000 Liability
• Comp / Collision
< 550
AAA
$216
Devin, 45
Zip: 22172
Mercedes-Benz GLK 350 4matic
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

How to lower car insurance costs in Triangle

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 Triangle 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

People living in Triangle pay on average $68 per month – or $819 per year – on state-minimum liability coverage. Full coverage in Triangle costs on average $166 per month of $1,991 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. 
Based on thousands of Triangle drivers Jerry has worked with, car insurance in Triangle costs an average of $68 per month for state-minimum coverage and $166 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!  
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 Triangle 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.
The state-minimum car insurance in Triangle, 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
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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.