4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Herndon, VA, for 2023
Secure. Free. Easy-to-use.
Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Updated August 2, 2022
Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Quick Facts
The average cost of car insurance in Herndon is $182 per month or $2,184 annually.
Car insurance in Herndon is $25 less than the average cost of insurance in Virginia.
The cheapest top car insurance provider in Herndon on average is Travelers.
Car Insurance in Herndon, VA
Auto insurance rates in Herndon vary greatly. The good news is you can find cheap coverage, especially if you shop around and maintain a clean driving record. A cheap car insurance policy may save you hundreds of dollars per year and lower your overall cost of car ownership. Here’s everything you need to know about cheap auto insurance plans in Herndon.
Quotes by Top Companies
Travelers$132
State Auto$147
Nationwide$158
Progressive$170
Liberty Mutual$193
See More:
Cheapest Car Insurance in Herndon, VA
What is the cheapest car insurance in Herndon?
Travelers is the cheapest top car insurance provider on average in Herndon, with rates starting at $132 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.
There are a number of small and large car insurance companies that serve drivers in Herndon with a wide range of premiums. The table below shows the average monthly car insurance quotes in Herndon by insurance company.
| Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $132 |
| State Auto | $147 |
| Nationwide | $158 |
| Progressive | $170 |
| Liberty Mutual | $193 |
| Metromile | $64 |
| Grange | $106 |
| Stillwater | $121 |
| Clearcover | $128 |
| Elephant | $132 |
| Midvale Home & Auto | $154 |
| Kemper Preferred | $156 |
| Safeco | $157 |
| AssuranceAmerica | $167 |
| SafeAuto | $170 |
| GAINSCO | $172 |
| Mercury | $194 |
| National General | $197 |
| Bristol West | $207 |
| Kemper Specialty | $224 |
| Direct Auto | $224 |
| AAA | $269 |
| Dairyland | $282 |
| Acuity | $305 |
| The General | $312 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Minimum Car Insurance Requirements in Virginia
Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.
If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$20,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Herndon Car Insurance Rates by Driving and Accident History
When you look for an auto policy in Herndon, you’ll find that your driving record plays a vital role in your premium costs[2]. If you have a clean record, you’ll lock in lower rates than a driver with a history of serious traffic violations, like speeding tickets, at-fault accidents, and DUIs. The table below reveals the average monthly cost of auto insurance by driver history.
| Driver History | Average Monthly Cost |
|---|---|
| Clean Record | $176 |
| Speeding Ticket | $236 |
| At-Fault Accident | $257 |
| DUI | $350 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
See More:
Herndon Car Insurance Rates by Credit Tier
Believe it or not, your credit score can impact your auto insurance rates[3]. This is because some insurance companies will pull it to determine your premiums. Since excellent and good credit often leads to fewer claims, you might secure a better deal on your policy if you have a strong credit history. Here’s a look at the average monthly cost of car insurance by credit tier.
How to Get the Cheapest Car Insurance in Herndon
If you’re in the market for cheap car insurance in Herndon, look no further than Insurify. With this easy-to-use tool, you can receive personalized auto insurance quotes within minutes. Simply fill out a short online form with details about yourself and your vehicle. Once you do, you’ll be able to compare coverage options and rates in one convenient place.
Rest assured that there are no sign-ups or fees. Insurify eliminates the need for a broker or to perform manual research by visiting the websites of multiple car insurance companies. There’s no faster or easier way to land the cheapest auto insurance plan for your unique budget and coverage needs. If you need to talk to someone, we have neutral insurance agents standing by.
Frequently Asked Questions
The key to a cheap auto insurance policy in Herndon is research. Insurify can do the research for you so you can save time and energy on car insurance shopping. All you have to do is share some information about yourself and the make and model of your car. If you find a plan that suits you, Insurify will direct you to the insurer’s website so you can apply for coverage.
The cost of car insurance in Herndon depends on your particular situation. On average, however, it ranges from around $64 to $312 per month. Your age, driving experience, and accident history will all impact what you pay for coverage. Discounts like bundling auto insurance with home insurance or renters insurance can also save you quite a bit.
Several factors might increase auto insurance rates in Herndon. Higher crime rates, which are out of your control, can lead to more expensive premiums. A severe weather event like a snowstorm might also raise the cost of auto policies in the area. This is because many policyholders may have filed claims and increased expenses for providers.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
- Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments." Accessed July 29, 2022
- Commonwealth of Virginia State Corporation Commission Bureau of Insurance . "Insurance Credit Scoring - How It Affects Your Automobile and Homeowners Insurance." Accessed July 29, 2022
