Benns Church Auto Insurance Rates, Quotes, Agents & Reviews in VA

Benns Church, VA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Benns Church, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Benns Church, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Benns Church, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Benns Church, VA with that of other cities in and around Benns Church.

Benns Church Windsor Newport News Hardy Newport Smithfield
Average Insurance Rates $1,869 $1,205 $927 $1,190 $967 $959

Benns Church, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Benns Church, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Benns Church $1,925 $1,626
Smithfield $2,353 $1,987
Carrollton $2,241 $1,893
Newport $2,194 $1,853
Hardy $1,488 $1,257
Windsor $1,161 $980
Isle of Wight County $1,264 $1,067
Newport News $2,053 $1,734

Benns Church, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Benns Church, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,065
20 Years $2,401
30 Years $1,850
40 Years $1,780
50 Years $1,648
60 Years $1,671
70 Years $1,945

Benns Church, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Benns Church, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,252 $486
3 Vehicles $4,878 $729
4 Vehicles $6,504 $972

Savings on 2 Vehicles bundle:$486

Savings on 3 Vehicles bundle:$729

Savings on 4 Vehicles bundle:$972


Benns Church, VA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Benns Church, VA.

Location Average Insurance Cost Post DUI Insurance Rate
Benns Church $1,869 $3,051
Smithfield $959 $1,565
Carrollton $960 $1,567
Newport $967 $1,578
Hardy $1,190 $1,942
Windsor $1,205 $1,967
Isle of Wight County $949 $1,549
Newport News $927 $1,513

Benns Church, VA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,604
Excellent (740-799) $1,830
Good (670-739) $1,948
Average (580-669) $2,541
Poor (300-579) $3,049

Benns Church, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$82 $1,951
Driver's Failure In Showing Documents +$181 $2,050
Driving With An Expired Registration +$193 $2,062
Driving At A Considerably Slow Pace +$406 $2,275
Using A Cellphone While Driving +$428 $2,297
Running A Red Light +$435 $2,304
Speeding +$458 $2,327
Driving A Vehicle Without The Required Permission +$581 $2,450
Driving With An Expired/Suspended License +$1,260 $3,129

Benns Church, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,794
Active Disabling Device $1,794
Tracking Device $1,757
Passive Disabling Device $1,738