Best Cheap Auto Insurance in Ladysmith, VA (2021)

The average Ladysmith, VA auto insurance rates are $200 per month. The minimum auto insurance in Ladysmith is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Ladysmith, Virginia, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Ladysmith is USAA
  • The minimum auto insurance required in Ladysmith, Virginia is 25/50/20
  • Average auto insurance rates in Ladysmith, VA for senior drivers are $1,392 per year

Ladysmith, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Ladysmith can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Ladysmith, Virginia, including driving record, credit, commute time, and more.

Compare auto insurance in Ladysmith to other Virginia cities, including Hampton auto insurance rates, Suffolk auto insurance rates, and Richmond auto insurance rates to see how Ladysmith, Virginia auto insurance rates stack up.

Before you buy Ladysmith, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Ladysmith, Virginia auto insurance quotes.

Minimum Auto Insurance in Ladysmith, Virginia

Ladysmith, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Ladysmith, Virginia.

Minimum Required Auto Insurance Coverage in Ladysmith, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Ladysmith, Virginia Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Ladysmith, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Ladysmith, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,104 $1,986 $2,093 $2,093 $6,553 $7,518 $2,734 $2,735
GEICO $1,490 $1,493 $1,413 $1,413 $3,090 $4,147 $1,729 $1,719
Nationwide $1,418 $1,428 $1,258 $1,294 $3,351 $4,328 $1,563 $1,704
Progressive $1,223 $1,160 $1,106 $1,110 $5,593 $6,278 $1,477 $1,503
State Farm $1,465 $1,465 $1,318 $1,318 $4,379 $5,503 $1,655 $1,903
USAA $1,224 $1,211 $1,133 $1,151 $3,675 $4,389 $1,584 $1,750

Cheap Ladysmith, Virginia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Ladysmith, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Ladysmith, Virginia.

Annual Auto Insurance Rates for Teen Drivers in Ladysmith, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,553 $7,518
GEICO $3,090 $4,147
Nationwide $3,351 $4,328
Progressive $5,593 $6,278
State Farm $4,379 $5,503
USAA $3,675 $4,389

Cheap Ladysmith, Virginia Auto Insurance for Seniors

What are senior auto insurance rates in Ladysmith, Virginia? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Ladysmith, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,093 $2,093
GEICO $1,413 $1,413
Nationwide $1,258 $1,294
Progressive $1,106 $1,110
State Farm $1,318 $1,318
USAA $1,133 $1,151

Cheap Ladysmith, Virginia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Ladysmith, Virginia compared to the annual auto insurance rates with a clean record in Ladysmith, Virginia.

Annual Ladysmith, Virginia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,601 $4,156 $3,800 $3,351
GEICO $1,560 $2,032 $3,095 $1,560
Nationwide $1,776 $1,776 $2,605 $2,016
Progressive $2,079 $2,750 $2,480 $2,417
State Farm $2,172 $2,580 $2,376 $2,376
USAA $1,563 $2,022 $2,677 $1,796

Cheap Ladysmith, Virginia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Ladysmith, Virginia is not easy. Compare the annual rates for DUI auto insurance in Ladysmith, Virginia to find the best deal.

Annual Auto Insurance Rates After a DUI in Ladysmith, Virginia

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,800
GEICO $3,095
Nationwide $2,605
Progressive $2,480
State Farm $2,376
USAA $2,677

Cheap Ladysmith, Virginia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Ladysmith, Virginia annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Ladysmith, Virginia

Insurance Company Poor Fair Good
Allstate $4,236 $3,391 $2,804
GEICO $2,290 $1,947 $1,947
Nationwide $2,420 $1,944 $1,765
Progressive $2,711 $2,370 $2,213
State Farm $3,379 $2,094 $1,654
USAA $2,701 $1,833 $1,510

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Ladysmith, Virginia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Ladysmith, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Ladysmith, Virginia to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Ladysmith, Virginia

ZIP Code Average Annual Rates
22501 $2,070

Cheap Ladysmith, Virginia Auto Insurance Rates By Commute

Commute length and annual mileage affect Ladysmith, Virginia auto insurance. Find the cheapest annual Ladysmith, Virginia auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Ladysmith, Virginia

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,370 $3,584
GEICO $2,023 $2,101
Nationwide $2,043 $2,043
Progressive $2,431 $2,431
State Farm $2,318 $2,434
USAA $1,940 $2,089

Cheap Ladysmith, Virginia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Ladysmith, Virginia? Check out the comparison of annual Ladysmith, Virginia auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Ladysmith, Virginia

Insurance Company Low Medium High
Allstate $3,366 $3,478 $3,587
GEICO $1,983 $2,059 $2,142
Nationwide $2,144 $2,023 $1,962
Progressive $2,313 $2,401 $2,580
State Farm $2,240 $2,372 $2,515
USAA $1,932 $2,018 $2,093

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Ladysmith, Virginia

Compare the cheapest auto insurance companies in Ladysmith, Virginia in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Ladysmith, Virginia

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Ladysmith, Virginia Auto Insurance Companies

What auto insurance companies in Ladysmith, Virginia are the cheapest? Compare the top Ladysmith, Virginia auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Ladysmith, Virginia

Insurance Company Average Annual Rates
Allstate $3,477
GEICO $2,062
Nationwide $2,043
Progressive $2,431
State Farm $2,376
USAA $2,015

Compare Ladysmith, Virginia Auto Insurance Quotes

Before you buy Ladysmith, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Ladysmith, Virginia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption