Lynchburg Auto Insurance Rates, Quotes, Agents & Reviews in VA

Lynchburg, VA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lynchburg, 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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Save Up To $475 on Multi-Car Insurance in Lynchburg, VA

The average cost of auto insurance in Lynchburg, VA, is $914. Car owners in Lynchburg can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Lynchburg.


Anti-Theft Discounts:

Car insurers across Virginia offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Lynchburg.

Discounts for Students:

Teenagers in Lynchburg pay $2,966 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well. 

Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Lynchburg is $1,590, while the cost of insuring four vehicles under this policy is $3,181. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts.

Factors that can influence the cost of car insurance in Lynchburg, 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.

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

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

Lynchburg Jefferson Seneca Sunburst Madison Heights Concord
Average Insurance Rates $914 $1,418 $907 $917 $906 $910

Lynchburg, 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 Lynchburg, 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)
Lynchburg $1,095 $925
Forest $2,101 $1,775
Madison Heights $1,563 $1,320
Jefferson $1,461 $1,234
Timberlake $1,428 $1,206
Sunburst $1,444 $1,220
Concord $1,117 $943
Seneca $1,434 $1,211

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

Teenagers in Lynchburg, 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 $2,966
20 Years $1,174
30 Years $905
40 Years $870
50 Years $806
60 Years $817
70 Years $951

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

Car owners in Lynchburg, 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 $1,590 $238
3 Vehicles $2,386 $356
4 Vehicles $3,181 $475

Savings on 2 Vehicles bundle:$238

Savings on 3 Vehicles bundle:$356

Savings on 4 Vehicles bundle:$475

Lynchburg, 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 Lynchburg, VA.

Location Average Insurance Cost Post DUI Insurance Rate
Lynchburg $914 $1,492
Forest $1,214 $1,982
Madison Heights $906 $1,479
Jefferson $1,418 $2,315
Timberlake $921 $1,503
Sunburst $917 $1,497
Concord $910 $1,485
Seneca $907 $1,480

Lynchburg, 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) $784
Excellent (740-799) $895
Good (670-739) $952
Average (580-669) $1,243
Poor (300-579) $1,491

Lynchburg, 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 +$40 $954
Driver's Failure In Showing Documents +$89 $1,003
Driving With An Expired Registration +$94 $1,008
Driving At A Considerably Slow Pace +$198 $1,112
Using A Cellphone While Driving +$209 $1,123
Running A Red Light +$213 $1,127
Speeding +$224 $1,138
Driving A Vehicle Without The Required Permission +$284 $1,198
Driving With An Expired/Suspended License +$616 $1,530

Lynchburg, 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 $877
Active Disabling Device $877
Tracking Device $859
Passive Disabling Device $850

Latest Auto Insurance Reviews in Lynchburg, VA | Back to Top

I would absolutely recommend getting USAA, if you qualify for it. They really take care of their customers and offer a great value for the money.
Their offerings are basically the same as every other car insurance company's offerings. I generally get the bare minimum I can get away with plus uninsured motorist coverage, and they offer that so I am happy.
They were responsive when I was searching for our policy and getting it setup. Everything was efficient and quick without much hassle.
This company is fair and transparent. They are very organized, the policy information is easy to find and they contact me regularly with hints and advice on my insurance and driving in general.
They have pretty decent customer service. They wouldn't be a company if it wasn't decent. I would put them at about a 3. I like sausage.
Pretty even as far as offerings and coverage. We have not had a claim with Nationwide but we can change coverage online.