Auto Insurance with Bad Credit in Virginia

The Zebra
April 4, 2019

Auto insurance can be expensive if you have bad credit. Insurers use credit score as a primary rating factor, pricing policies based in part on clients' credit scores. Because car insurance companies use historical data that show drivers with poor credit have a greater likelihood of filing car insurance claims, they compensate for that additional risk by charging more.

Car insurance rates with bad credit depends on which company you choose, where you live, and many other rating factors. See below typical car insurance prices for drivers with bad credit in major Virginia cities, along with rates from a few of the most popular auto insurance companies, followed by tips on saving on auto insurance if you have bad credit in Virginia.


Auto insurance with bad credit in Virginia:

  1. Average rates
  2. Prices by city
  3. Costs by company

Auto insurance rates with bad credit in Virginia

Drivers in Virginia pay an average penalty of $774 each year for having a "worst"-tier credit score. Drivers in the "poor" or "below fair to poor" credit tiers will also pay above-average rates for a car insurance policy.


VIRGINIA AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Virginia
Worst$1,675
Poor$1,523
Below Fair to Poor$1,423
Average — All Credit Tiers$901

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Car insurance rates with a bad credit score in Virginia cities

Car insurance rates will also vary depending on the precise area where you park your car. Insurance companies use your ZIP code to estimate how likely you are to file a claim: the denser and claim-prone your immediate area is, the more you'll pay for insurance.

We've listed major Virginia cities and their average car insurance rates for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN VIRGINIA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Virginia Beach$1,726$1,572$1,468
Norfolk$1,838$1,670$1,559
Chesapeake$1,714$1,559$1,455
Arlington$1,713$1,561$1,459
Richmond$1,875$1,707$1,593

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Best auto insurance companies for bad credit in Virginia

Another factor that contributes to how much you pay for auto insurance is the company you select. Every auto insurance company prices policies in a different manner, giving rating factors varying weights in their pricing calculations. Credit score can be a primary pricing differentiator from one insurance company to the next. In Virginia, the cheapest major insurance company with bad credit is GEICO, which offers a discount of $246 per year over the second-cheapest company, Nationwide.

See below prices from leading auto insurance companies in Virginia for drivers with bad credit.


VIRGINIA CAR INSURANCE RATES WITH BAD CREDIT — POPULAR COMPANIES

CompanyAverage Annual Rate — Worst Credit
GEICO$1,143
Nationwide$1,389
Erie$1,669
USAA$1,862
State Farm$2,101

If you're purchasing auto insurance with a bad credit history, remember these tips:

  1. View car insurance quotes
  2. Know when — and when not — to file your claims
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.

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