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Last updated: January 16, 2024
Guide to Car Insurance in Midlothian, VA
If you’re one of Midlothian’s nearly 73,000 residents, here’s the cheapest car insurance in the area.
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If you live in Midlothian, you probably already know the state of Virginia doesn’t require car insurance. It’s one of only two states, along with New Hampshire, that doesn’t require drivers to be insured before hitting the road, giving them the option of paying an uninsured motorist fee instead. And yet, data from the Insurance Research Council shows that only 11 percent of the state’s drivers lack insurance. The vast majority of those getting behind the wheel opt to have auto insurance coverage to some extent.
If you’re part of that majority, you may be looking for a cheaper insurance provider. Or maybe you’re one of the uninsured drivers and you’ve decided to get protection. Either way, you’ve come to the right place. Below, we dive into the cheapest insures in Midlothian and ways to save on your premium.
Cheapest Car Insurance Companies in Midlothian
Whether you’re a teen driver or a senior driver, have a clean driving record or a DUI, here are the cheapest insurance companies in Midlothian, on average.
By Age
Insurance costs the most for teen drivers, as they lack driving experience and are more likely to file a claim. After the age of 25, prices decrease. The chart below shows the cheapest insurance companies in Midlothian based on driver age.
| Age | Cheapest annual cost of auto insurance in Midlothian | Company with cheapest annual cost of auto insurance |
|---|---|---|
| 20 | $1,747 | Virginia Farm Bureau |
| 35 | $917 | Virginia Farm Bureau |
| 60 | $817 | Erie |
| Senior drivers | $756 | Progressive |
DID YOU KNOW?
Data from the Virginia Highway Safety Office shows that Chesterfield County, where Midlothian is, had 34 traffic fatalities, 2,061 injuries, and 10,029 people involved in car crashes in 2022. That means the fatality rate was less than 1 percent, while the injury rate was 21 percent. Meanwhile, nearly 8 in 10 car crashes resulted in no deaths or injuries.1
By Driving Record
Someone with a clean driving record can get lower insurance rates than someone with a bad driving record. Those in the latter camp are known as high-risk drivers, and insurers charge them more. Below, see what you can expect to pay for insurance in Midlothian based on your driving record.
| Driving record status | Cheapest annual cost of auto insurance in Midlothian | Company with cheapest annual cost of auto insurance |
|---|---|---|
| Clean record | $917 | Virginia Farm Bureau |
| DUI on record | $984 | National General |
| At-fault accident on record | $840 | Progressive |
| Speeding ticket (1-5 mph over limit) on record | $1,260 | Progressive |
| Speeding ticket (16-20 mph over limit) on record | $2,940 | Gainsco |
Average Cost of Car Insurance in Midlothian
The average cost of car insurance in Virginia, as of 2020, was only $846 per year — 24 percent less than the national average of $1,047.2 In Midlothian, a suburb of Richmond, the average was higher at $1,853 annually. However, the rates you’ll see as you shop the market will differ based on the insurance company, your ZIP code, and other factors. Let’s take a look at some averages.
By Company
Here are the lowest prices we found in Virginia for a number of well-known insurance companies.
| Company | Average annual cost of car insurance in Midlothian, Virginia |
|---|---|
| AAA | $2,124 |
| Alfa | $1,283 |
| Allstate | $840 |
| Assurance America | $768 |
| Auto-Owners | $1,126 |
| Chubb | $1,329 |
| Erie | $955 |
| GEICO | $1,591 |
| Nationwide | $1,464 |
| Penn National | $1,146 |
| Progressive | $1,944 |
| Safeco | $1,020 |
| State Farm | $1,296 |
| Travelers | $1,382 |
| Virginia Farm Bureau | $917 |
Assurance America offers the lowest annual prices, followed by Allstate’s price of $840 per year, which is closer to the statewide average.
By ZIP Code
Where exactly you live in Midlothian affects insurance pricing, with the lowest rates in the 23114 ZIP code.
| ZIP code | Average annual cost of car insurance in Midlothian, Virginia |
|---|---|
| 23112 | $1,840 |
| 23113 | $1,937 |
| 23114 | $1,818 |
| 23120 | $1,944 |
How to Save Money on Insurance Coverage in Midlothian
Maybe you’re a high-risk driver with a DUI on your record, or maybe you’re a teen driver just starting out on the road. Even so, there are still ways to save money on your car insurance premium. The strategies below are but a couple examples.
Take a Defensive Driving Course
To get five points removed from your driving record every two years, drivers age 55 and older can take a defensive driving course voluntarily. See your options at https://www.dmv.virginia.gov/drivers/#clinics.asp. These eight-hour classes cost $100 maximum, and with fewer points on your record, this expense could pay for itself in car insurance savings.
Get Minimum Coverage
If you want to have auto insurance in Virginia even though it isn’t required, meeting only the state’s minimum car insurance requirements will be your cheapest option. Currently, if you’re going to get insurance, you must maintain the following minimum limits:
- Bodily injury liability coverage per person: $30,000
- Bodily injury liability coverage per accident: $60,000
- Property damage liability coverage per accident: $20,000
However, for policies effective on or after Jan. 1, 2025, the limits will be as follows:
- Bodily injury liability coverage per person: $50,000
- Bodily injury liability coverage per accident: $100,000
- Property damage liability coverage per accident: $25,0003
FYI:
National Association of Insurance Commissioners data shows that in 2020, the average annual cost of liability coverage in Virginia was only $481, which is $365 cheaper than full coverage car insurance.
Together, bodily injury liability coverage and property damage liability coverage make up liability coverage, which pays for damages to parties outside of your vehicle. This is less expensive than getting full coverage. But while getting liability coverage only is the cheapest option, remember that if you lack medical payments, collision, and comprehensive coverage, your car insurance won’t pay for your property damage or your or your passengers’ injuries.
When comparing providers, pricing shouldn’t be the only factor you consider. Also take into account customer service and whether you can bundle auto insurance with life insurance or homeowners insurance. Bundling often unlocks discounts, as can something as simple as switching to paperless billing.
Conclusion
The best way to find the cheapest insurance company without sacrificing quality is to compare quotes from multiple providers. The cheapest insurance company for you may be different from what’s cheapest for even your next-door neighbor in Midlothian, so be sure to shop the market before choosing a provider. You’ll want to give each insurer the same exact demographic information so you can accurately compare quotes based on your specific driver profile.
Learn more about our data for this article in our methodology section below.
Methodology
To find the average insurance prices and cheapest companies in Midlothian, Virginia, we used AutoInsurance.com’s proprietary data based on over 20 years of connecting auto insurance customers with companies. We also looked at the most recently available data from the National Association of Insurance Commissioners; the Virginia Department of Motor Vehicles; the Virginia Highway Safety Office’s Traffic Records Management, Reporting, and Analysis Division; and the Insurance Research Council.4
Frequently Asked Questions
How much is car insurance in Virginia per month?
On average, car insurance in Virginia is $71 per month, according to the latest data from the National Association of Insurance Commissioners.
What is the minimum car insurance in Virginia?
For policies effective from Jan. 1, 2022, to Dec. 31, 2024, the minimum car insurance in Virginia is as follows.
- Bodily injury liability coverage per person: $30,000
- Bodily injury liability coverage per accident: $60,000
- Property damage liability coverage per accident: $20,000
However, for policies effective on or after Jan. 1, 2025, the limits will change to $50,000/$100,000/$25,000, according to the Virginia Department of Motor Vehicles.
How much is insurance for a new driver in Virginia?
Insurance for a new driver can cost anywhere from $1,982 to $3,203 per year in Virginia.
Does insurance follow the car or the driver in Virginia?
Insurance follows the car in Virginia, not the driver. Anyone driving a car with permissible use can be covered under the vehicle’s policy, even if they’re not the car’s owner.
Citations
Statewide Crash Data. Virginia Department of Motor Vehicles. (2024).
https://www.dmv.virginia.gov/safety/crash-data2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).
https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdfInsurance Requirements. Virginia Department of Motor Vehicles. (2024).
https://www.dmv.virginia.gov/vehicles/insurance-requirementsUninsured Motorists, 2021 Edition. Insurance Research Council. (2021, Mar 22).
https://insurance-research.org/research-publications/uninsured-motorists-2021-edition
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