Cheapest Auto Insurance in Lynchburg, Virginia (2025)
Auto-Owners offers the cheapest car insurance in Lynchburg, with minimum-coverage policies as low as $51 per month.
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Home to six colleges and universities and eight historic districts, Lynchburg is a vibrant Central Virginia city that’s also a cultural hub.
Residents also enjoy slightly cheaper auto insurance rates than most other Virginia drivers. The average cost of auto insurance in Lynchburg is $134 per month, while the state average is $146 per month and the national average is $143 per month.
Lynchburg’s relatively affordable car insurance rates may reflect the city’s family-friendly nature. Nearly 20% of its population is younger than 18, which means many families are settled there — and parents tend to be pretty safe drivers.1
Here’s what you need to know about finding cheap car insurance in Lynchburg, Virginia.
Quick Facts
The average cost of car insurance in Lynchburg is $100 per month for liability coverage and $168 per month for full coverage.
Virginia is an at-fault insurance state and follows the pure contributory negligence rule, which prohibits any driver who’s even 1% at fault in an accident from suing other parties for damages and injuries.2
Motorists can legally drive an uninsured vehicle at their own risk in Virginia, provided they pay a $500 uninsured motor vehicle fee.3
Cheapest car insurance companies in Lynchburg
The best auto insurance company for you will depend entirely on your specific situation and your insurance needs. Every insurance company uses different criteria to set its rates.
Your premium will depend on a number of factors, like your gender, marital status, ZIP code, driving history, and credit history. And though many insurance companies use the same factors to set rates, how each factor is weighed can vary among insurers.
Each of the following companies offers distinct benefits to customers while also charging a lower average monthly rate than the Lynchburg average of $134 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for customizable coverage: Auto-Owners
Best insurer for customer satisfaction: State Farm
Best insurer for discounts: GEICO
How to get the cheapest car insurance in Lynchburg
Insurers use a number of factors to determine your rates, including your driving history, age, marital status, credit score, and ZIP code, among others. Companies weigh these factors differently.
This means the cheapest car insurance company in Lynchburg won’t be the same for every driver. The best way to find the cheapest car insurance in Lynchburg is to get multiple quotes and compare rates.
Here are some other helpful strategies for reducing your car insurance costs:
Bundle auto and homeowners insurance. Many insurers offer discounts to customers who purchase auto insurance and home insurance or renters insurance. It’s a good idea to see if you could also bundle other insurance products like life insurance, boat insurance, insurance for recreational vehicles, business insurance, or any other personal insurance needs with your auto insurance.
Drive safely. Maintaining a clean driving record is one of the most effective ways to keep your auto insurance costs low.
Reconsider your coverage. Don’t carry more coverage than you need. Increasing your deductible, dropping collision or comprehensive coverage, or decreasing your liability coverage amounts can all save you money on your insurance premium. Just make sure you have enough coverage in case you need to file a claim.
Check for discounts. You may qualify for discounts based on affiliations, driving habits, how and when you make payments, and safety features on your car, among other discount opportunities.
Cheapest liability-only car insurance in Lynchburg: Auto-Owners
Liability-only car insurance is the kind of coverage that all drivers must carry in Virginia.
If you cause an automobile accident, liability-only car insurance pays to repair or replace the other party’s damaged vehicle and any medical costs associated with the accident. However, liability-only car insurance doesn’t cover the cost of repairing or replacing your car.
Auto-Owners has the cheapest liability-only car insurance in Lynchburg, at $51 per month.
The following companies have the cheapest liability-only car insurance in the city.
Cheapest full-coverage car insurance in Lynchburg: Auto-Owners
Carrying full-coverage car insurance provides more protection for Lynchburg drivers.
This kind of coverage includes collision coverage, which pays to repair or replace your vehicle even if you cause an accident, and comprehensive coverage, which kicks in if your car sustains damages from something other than an automobile accident, such as vandalism, severe weather, or theft.
If you lease or finance your car, your lender or lessor may require full-coverage insurance. Otherwise, full-coverage car insurance is optional.
Auto-Owners has the cheapest full-coverage rates in the city, at $81 per month. The following companies have the cheapest full-coverage car insurance in the city.
Car insurance requirements in Virginia
Virginia is an at-fault insurance state. This means that the at-fault driver in an accident is responsible for covering the damages and injuries of the other involved parties.
Virginia is also one of the only states that follow the pure contributory negligence rule for at-fault insurance law. This means that anyone who’s even 1% at fault in an accident can’t sue the person who carries higher blame for the accident.
If you’re a Virginia driver and contributed to an accident, you can’t sue for damages, even if the other person was more responsible for the accident.2
In Virginia, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. The specific coverage limits required in the state will increase on Jan. 1, 2025. The table below reflects the change in requirements:2
Drivers in Lynchburg may also choose to purchase additional coverages on top of the required liability coverage. Some common coverage options include:
Cheapest car insurance for drivers with an incident
Having an incident on your driving history — such as a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction — can make a big difference in your insurance rates.
A driver with a record of one or more of these kinds of incidents represents a higher risk to auto insurers, since such drivers are more likely to file a claim. If you’ve been cited for speeding, found at fault in an accident, or have a DUI, you can expect to pay more for your car insurance than a driver with a clean record.
Compare the car insurance rates for these three insurers in Lynchburg for drivers with a clean record versus those with an incident.
Average cost of car insurance by age
The cost of car insurance tends to be the most expensive for the youngest drivers. Teen drivers have less experience on the road and are more likely to make risky driving decisions compared to their older counterparts.
Auto insurance rates tend to decrease for drivers once they reach age 35, and as long as you drive safely, those rates will generally stay low for the next three-plus decades.
However, as drivers reach their 70s, they typically start to experience age-related physical declines that can affect their driving ability. That’s why rates tend to increase for older drivers.
Here are the average monthly quotes for drivers at various ages in Lynchburg.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lynchburg car insurance quotes by credit tier
Virginia is one of the majority of states that allow auto insurance companies to use drivers’ credit history to set premiums.4 That means Lynchburg drivers with good to excellent credit often pay lower rates than drivers with poor credit. The good news is that working to improve your credit will also potentially help you lower your car insurance premiums.
Here are the average monthly costs of full-coverage auto insurance in Lynchburg, Virginia, by credit tier.
Lynchburg car insurance FAQs
Use Insurify’s guide to help you determine how much car insurance you need, and check out the answers to common questions about Lynchburg car insurance below.
How much is car insurance in Lynchburg?
The average cost of car insurance in Lynchburg is $100 per month for liability coverage and $168 per month for full coverage.
Which company has the cheapest car insurance in Lynchburg?
Auto-Owners, State Farm, and USAA offer the cheapest liability car insurance in Lynchburg, with rates of $51, $52, and $71 per month, respectively. However, the best way to find the lowest rates for your situation is to compare quotes from multiple companies. Use an online quote-comparison tool to see many quotes at one time and find the company that offers you the best rate for the coverage you need.
What are the best car insurance companies in Lynchburg?
Some of the best car insurance companies that Insurify identified in Lynchburg include Auto-Owners, State Farm, and GEICO. These companies have strong customer satisfaction ratings, low rates for drivers, and high IQ Scores.
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