The average annual rate drivers pay for car insurance in Midlothian is $474 for minimum coverage and $1,288 for full coverage, including collision and comprehensive coverage. USAA and State Farm offer the lowest average annual minimum coverage auto insurance rates in Midlothian, according to data pulled from Quadrant Information Services, while Travelers offers the lowest average annual full coverage insurance rates.
Bankrate looked for the best car insurance in Midlothian by analyzing who had the lowest average rates. We reviewed both regional and national companies, looking at customer service data and more to see who was writing the best policies in Midlothian.
Best car insurance companies in Midlothian
After determining sample rates for Midlothian drivers, we looked next at J.D. Power’s 2021 auto insurance study for the Mid-Atlantic region, which measures the quality of a car insurance company’s customer service. We assessed each company’s website for ease of use and looked at their optional coverage offerings, which allow you to customize your policy to fit your own needs. Lastly, we reviewed available discounts, which can save you a considerable amount of money on your premium.
|Insurance company||J.D. Power auto insurance study score (Mid-Atlantic)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Virginia Farm Bureau||N/A||$392||$975|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
One of the largest insurers in the U.S., Geico has some of the cheapest car insurance in Midlothian on our list. It offers the traditional liability insurance that the state of Virginia requires you to have (unless you decide to pay the fee and opt-out of having car insurance), plus extras like rideshare insurance, collision and comprehensive.
One of Geico’s benefits is the long list of auto insurance discounts it offers, many of them easy to qualify for. Just having airbags in your car, for example, may save you 23% off your premium. Other discounts include good student, military and good driver discounts.
Learn more: Geico insurance review
Nationwide’s average annual premium for full coverage was the lowest of any company we surveyed at $835 per year. That makes it a good option for anyone pinching pennies and looking for cheap car insurance in Midlothian.
Nationwide does not have as high a ranking as our other choices with J.D. Power, but neither is it at the bottom of the list, so you will most likely receive good service when you need it. The company offers some nice discounts, including its SmartRide program, which rewards you with up to 40% off for using safe driving techniques.
Learn more: Nationwide insurance review
State Farm is in third place on J.D. Power’s annual auto insurance study for the mid-Atlantic region. That means that in addition to low premium rates, you can expect top-notch service from the company when you file a claim or work with an agent.
State Farm has an excellent, user-friendly website that makes it easy to do your insurance business online. It also offers a broad range of coverage options, from rental reimbursement to classic car insurance and a fairly long list of potential discounts.
Learn more: State Farm insurance review
If you are not in the military, you may never have heard of USAA. If you are a service member, veteran, or family member of one, you know that USAA has a reputation for low prices and high satisfaction for its customers.
Although it only sells policies to military families, it offers some nice extras that make it worth checking out if you are in that demographic. If you garage your vehicle on base, for example, you can save up to 15%. If you’re deployed, put your car in storage and get a discount of up to 60% on your premium.
Learn more: USAA insurance review
Virginia Farm Bureau
Virginia Farm Bureau is a different kind of insurer: a non-profit agricultural organization founded to support Virginia’s farmers. Now, however, it sells insurance policies throughout the state, and its agents have a deep understanding of the needs of Virginia drivers.
It may be a small company, but Virginia Farm Bureau offers extensive coverage options such as pet coverage, electronic equipment coverage and income loss benefits. Although it only has a few discounts, they are easy to earn, such as up to 30% off for safety features such as anti-lock brakes.
Learn more: Farm Bureau insurance review
Cheapest car insurance in Midlothian
Midlothian’s average annual rate of $1,288 for full coverage compares favorably with the state of Virginia’s average of $1,304 and the national average of $1,674 a year. Rates can vary somewhat from one company to another; however, the average cost of the best car insurance in Midlothian may differ from your rate significantly. The following providers are known for writing inexpensive policies, on average.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Some of these options, including USAA, State Farm and Geico, are on our “Best Of” list, but if you are looking for the cheapest car insurance in Midlothian, you should also take a look at Erie and Travelers. Erie, in particular, is known for excellent customer service and has more than 13,000 agents to help you with your insurance business. Erie insurance may include pet coverage, auto glass repair and locksmith services, and Erie Rate Protect locks your premium rate in for as long as you keep your car.
Travelers can write comprehensive policies with extra options such as accident forgiveness and new car replacement coverage, and its discounts are extensive. You can save money for having a hybrid or electric car, paying in full and purchasing a vehicle that is less than three years old. Its average annual full coverage car insurance rate is also the cheapest on our list, even beating USAA.
Midlothian insurance requirements
Like most states, Virginia has minimum insurance requirements you will need to meet in order to get behind the wheel. These minimums are often written 25/50/20, which means:
- $25,000 bodily injury liability per person in a single accident
- $50,000 total bodily injury liability for all injuries in a single accident
- $20,000 property damage liability per accident
The state also requires that motorists carry uninsured/underinsured coverage at the same policy limits as the driver’s liability insurance limits, unless the driver requests to reduce the limits in writing. Virginia drivers also have the option to pay a $500 fee to register and drive legally without car insurance, as long as they attest in writing that they are financially responsible for any damage or injuries if they cause a car accident.
If you lease your car or have a car loan, you may be required to carry full coverage car insurance, including collision and comprehensive insurance. Most insurers offer a handful of other coverage types that you can add to your policy as well, such as gap insurance and rideshare coverage.
Note that carrying the minimum required insurance may not be the best way to protect yourself. If you are at fault in a serious accident, the minimum liability coverage won’t go far if there are multiple injuries or the need for surgery or rehabilitation. In addition, if you total a car that’s worth $40,000, your minimum property damage liability would only cover half of what you would be required to pay. If you can afford to purchase higher liability rates, most insurance experts recommend that you do so.
Car insurance discounts in Midlothian
Those who have policies with the best car insurance companies in Midlothian can usually take advantage of discounts to get their premium rates as low as possible. Almost all insurers offer at least a few discounts. Here are some of the ones that are most popular in Virginia:
- Safety features: If your car has anti-lock brakes, airbags or other safety features, you may be able to save a percentage off your insurance costs.
- Billing discounts: If you pay your premium all at once, pay online or set up automatic payments, you might qualify for one or more discounts.
- Usage-based discounts: Insurers are increasingly using telematics, which involves installing an electronic device in your car or on your smartphone that monitors your driving. If you have good driving habits, you can earn up to 30% off in some cases.
- Driver education: All Virginia insurers are required to offer a discount to anyone who takes an approved driver’s education course in the state.
Frequently asked questions
What is the best car insurance company?
No insurance companies in Midlothian will offer the best deal to everyone all the time. To find the best car insurance policy for your own needs, obtain several quotes from insurers and see who offers you the most value for the best price.
How much does car insurance in Midlothian cost?
The average annual cost of car insurance in Midlothian is $474 for minimum coverage and $1,288 for full coverage. Your own rate may be higher or lower than this based on the multiple factors that each company uses to determine their rates, which include the make and age of your car, where you live and your age.
How much car insurance do I need in Midlothian?
To drive legally in Virginia, you need at least 25/50/20 in liability coverage, unless you opt to pay a $500 fee and attest in writing that you are financially responsible for damages and injuries if you cause an accident. Additionally, Virginia requires that motorists purchase uninsured/underinsured motorist coverage at the same policy limits as the driver’s liability insurance limits, unless the driver requests in writing for those coverage limits to be reduced. Most insurance experts would recommend that you purchase more than the minimum required limits, however, for better financial protection. And if you lease or finance your car, you will likely be required to purchase full coverage car insurance.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.