Cheap Car Insurance in Fredericksburg, Virginia ( With 2024 Rates)

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Lowest Premium

$402 / YEAR

Average Premium

$493 / YEAR

Highest Premium

$696 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Fredericksburg is around $493 and can go upto $696. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Minimum coverage requirement in Virginia - By law, the state requires a minimum of 25/50/20 for auto insurance as explained below:

$25,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $50,000. The amount is the same for deaths of two or more people caused by one accident
$20,000 for damage to the property of other people.
$25,000/$50,000 for Uninsured/underinsured motorist bodily injury
$20,000 for Uninsured/underinsured motorist property damage

Car Insurance Companies in Virginia and Rates Offered

The cheapest car insurance rates in the state are provided by Geico Insurance followed by Allstate Insurance. But the major players are State Farm, Allstate, and Nationwide insurance in order.

Company	Annual premium (50/100/50)	Market share	Ranking
Geico	$368	1.5% ($189,664,981)	88
Allstate	$371	2.58% ($326,945,631)	87
State Farm	$380	6.26% ($793,791,726)	90
Nationwide	$407	2.17% ($275,171,658)	89
Progressive	$533	1.58% ($200,167,406)	89

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Car Insurance Rates in Fredericksburg by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Fredericksburg. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
22401	$490
22402	$499
22405	$491
22406	$478
22408	$483

Insurance Agents in Fredericksburg, VA and Near by

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Danaher-Skewes & Associates

700 Princess Anne St Ste 10, Fredericksburg, VA 22401

(540) 835-0853

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The Insurance Smith

1122 Caroline St, Fredericksburg, VA 22401

(540) 371-9777

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The Insurance Guys

1204 1/2 Princess Anne St, Fredericksburg, VA 22401

(540) 372-6444

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Jay Hoffman

910 Lafayette Blvd, Fredericksburg, VA 22401

(540) 371-6108

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Cherisse Parry

910 Lafayette Blvd, Fredericksburg, VA 22401

(540) 371-6108

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Pete Webb

2217 Princess Anne St Ste 105-11, Fredericksburg, VA 22401

(540) 693-2720

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Stover Insurance Agency

2217 Princess Anne St Ste 114-3, Fredericksburg, VA 22401

(540) 656-2828

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Beck Insurance Agency

1209 Lafayette Blvd Ste A, Fredericksburg, VA 22401

(540) 373-1700

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Stacy Horne

2515 Fall Hill Ave, Fredericksburg, VA 22401

(540) 373-5146

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Francis Nobles-Reyes

2601 Princess Anne St Ste 100, Fredericksburg, VA 22401

(540) 656-2737

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The Insurance Marshall

1810 Stafford Ave Ste A, Fredericksburg, VA 22401

(540) 370-0104

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Cliff Ward

1601 Olde William St Ste A, Fredericksburg, VA 22401

(540) 371-0011

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All About Insurance Agency

1954 William St, Fredericksburg, VA 22401

(540) 371-7101

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American Insurances

103 Westwood Office Park, Fredericksburg, VA 22401

(540) 479-6623

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Lee-Curtis Freeman Graves & Hall Insurance

2105 Jefferson Davis Hwy, Fredericksburg, VA 22401

(540) 373-3333

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Mohammed Ali

1624 Carl D Silver Pkwy, Fredericksburg, VA 22401

(703) 340-7973

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AAA Insurance

2871 Plank Rd, Fredericksburg, VA 22401

(540) 785-0282

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MetLife Auto & Home - Fredericksburg

1340 Central Park Blvd Ste 202, Fredericksburg, VA 22401

(540) 840-3370

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Liberty Mutual Agency

1340 Central Park Blvd Ste 204, Fredericksburg, VA 22401

(540) 548-8344

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Dennis Dodson

2304 Jefferson Davis Hwy, Fredericksburg, VA 22401

(540) 373-2300

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4.65 mi

Lewis Insurance Associates

1192 Jefferson Davis Hwy, Fredericksburg, VA 22405

(540) 659-2121

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4.65 mi

A B Insurance Agency

204 Caisson Rd, Fredericksburg, VA 22405

(540) 899-2248

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4.65 mi

Goodwin & Smith Insurance

90 Chatham Heights Rd, Fredericksburg, VA 22405

(540) 424-1664

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4.65 mi

Anne Reeves

411 Chatham Heights Rd Ste 109, Fredericksburg, VA 22405

(540) 372-3400

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4.65 mi

Next Level Insurance Solutions

174 Cambridge St, Fredericksburg, VA 22405

(571) 418-1709

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4.91 mi

Bill Wyant

10007 Jeff Davis Hwy Ste 127, Fredericksburg, VA 22407

(540) 891-1075

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4.91 mi

John Corderman

4820 Southpoint Dr Ste 202, Fredericksburg, VA 22407

(540) 891-9980

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4.91 mi

Insurance Doctor - Fredericksburg

10044 Southpoint Pkwy, Fredericksburg, VA 22407

(540) 371-6995

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4.91 mi

Mark Sullivan Insurance

10500 Wakeman Dr Ste 210, Fredericksburg, VA 22407

(540) 369-4411

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4.91 mi

David Kaye

5709 Plank Rd, Fredericksburg, VA 22407

(540) 548-2800

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4.91 mi

Vicki Thomas

4534 Plank Rd Ste C, Fredericksburg, VA 22407

(540) 710-7000

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4.91 mi

Cliff Galyen

4534 Plank Rd Ste A, Fredericksburg, VA 22407

(540) 786-6100

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4.91 mi

Dominion Eagle Insurance Agency

1107 Heatherstone Dr, Fredericksburg, VA 22407

(540) 548-8588

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4.91 mi

Pinecrest Insurance Service

3516 Plank Rd Ste 103, Fredericksburg, VA 22407

(540) 785-4416

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4.91 mi

T A Stone

3516 Plank Rd Ste 103, Fredericksburg, VA 22407

(704) 662-8609

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4.91 mi

Kim Oztuna

3516 Plank Rd Ste 5a, Fredericksburg, VA 22407

(800) 491-0531

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4.91 mi

Stacy Horne

12225 Amos Ln Ste 201, Fredericksburg, VA 22407

(540) 786-2666

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4.91 mi

Partlow Insurance Agency

927 Maple Grove Dr Ste 211, Fredericksburg, VA 22407

(540) 710-2525

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4.91 mi

The Hoffman Agency

4032 Plank Rd # 1a, Fredericksburg, VA 22407

(540) 373-6758

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4.91 mi

Rainville Insurance

4034 Plank Rd Ste B, Fredericksburg, VA 22407

(540) 786-4477

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4.91 mi

Rodney C Oberly

4028 Plank Rd Ste B, Fredericksburg, VA 22407

(540) 548-2990

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4.91 mi

G L Herndon Insurance Agency

12022 Old Salem Church Rd, Fredericksburg, VA 22407

(540) 898-1987

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5.87 mi

Scott Insurance Services

10101 Terrace Ct, Fredericksburg, VA 22408

(540) 891-9331

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5.87 mi

Buster Nelson

10740 Courthouse Rd Ste D, Fredericksburg, VA 22408

(540) 898-4911

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5.87 mi

Bankers Insurance

10304 Spotsylvania Ave Ste 110, Fredericksburg, VA 22408

(540) 373-3833

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5.87 mi

Direct General Auto Insurance

10908 Courthouse Road, Fredericksburg, VA 22408

(540) 899-3036

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5.87 mi

Central Park Insurance Agency

2609 Lafayette Blvd, Fredericksburg, VA 22408

(540) 891-1160

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5.87 mi

Blue & Gray Insurance

420 Hudgins Rd Ste 105, Fredericksburg, VA 22408

(540) 300-9684

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5.87 mi

Gengler Insurance

3826 Jefferson Davis Hwy, Fredericksburg, VA 22408

(540) 891-2691

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5.87 mi

D & L Insurance Agency

4600 Jefferson Davis Hwy, Fredericksburg, VA 22408

(540) 373-3100

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5.87 mi

Harry S Rosnick

4410 Lafayette Blvd Ste B, Fredericksburg, VA 22408

(540) 710-9560

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5.87 mi

Gordon L. Combs

4414 Lafayette Blvd Ste 211, Fredericksburg, VA 22408

(540) 891-1603

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7.79 mi

Stafford County Farm Bureau

754 Warrenton Rd Ste 111, Fredericksburg, VA 22406

(540) 899-9454

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7.79 mi

Jarrett Bailey

29 Banks Ford Pkwy Ste 109, Fredericksburg, VA 22406

(540) 286-6494

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Learn More About Car Insurance in Fredericksburg, VA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Fredericksburg, Virginia (With 2024 Rates)