Best Rocky Mount, VA Car Insurance in 2025
Car insurance in Rocky Mount, VA averages $194 a month. Rocky Mount, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Rocky Mount car insurance rates, compare quotes from the top car insurance companies in Rocky Mount, VA.
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Table of Contents
Table of Contents
Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business own...
Laura Kuhl
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated December 2025
- Average car insurance rates in Rocky Mount, VA after a DUI are $2,757/year
- Average car insurance rates in Rocky Mount, VA are $2,331/year
- The cheapest car insurance company in Rocky Mount for teen drivers is USAA
If you need to buy Rocky Mount, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Rocky Mount, VA is right here.
You’ll find Rocky Mount car insurance rates, the cheapest Rocky Mount, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Rocky Mount, Virginia car insurance rates to Alexandria car insurance rates, Suffolk car insurance rates, and Newport News car insurance rates.
Ready to find affordable Rocky Mount, VA car insurance today? Enter your ZIP code for fast, free Rocky Mount car insurance quotes.
Cheapest Rocky Mount, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Rocky Mount, VA car insurance rates? Every Rocky Mount, Virginia car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Rocky Mount, 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 | $1,911 | $1,806 | $1,902 | $1,902 | $5,947 | $6,856 | $2,489 | $2,498 |
| Geico | $1,520 | $1,522 | $1,442 | $1,442 | $3,174 | $4,258 | $1,766 | $1,753 |
| Nationwide | $1,436 | $1,450 | $1,272 | $1,313 | $3,354 | $4,351 | $1,581 | $1,731 |
| Progressive | $1,273 | $1,212 | $1,144 | $1,152 | $5,686 | $6,378 | $1,539 | $1,570 |
| State Farm | $1,482 | $1,482 | $1,329 | $1,329 | $4,389 | $5,514 | $1,674 | $1,928 |
| USAA | $1,060 | $1,043 | $987 | $994 | $3,281 | $3,920 | $1,365 | $1,500 |
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Minimum Car Insurance in Rocky Mount, VA
Every driver must carry the minimum car insurance in Rocky Mount, VA. Take a look at the Virginia car insurance requirements.
Minimum Required Car Insurance Coverage in Rocky Mount, 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 |
Cheapest Rocky Mount, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Rocky Mount, VA. Compare credit history car insurance rates in Rocky Mount from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Rocky Mount, Virginia
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,861 | $3,085 | $2,545 |
| Geico | $2,344 | $1,992 | $1,992 |
| Nationwide | $2,449 | $1,959 | $1,775 |
| Progressive | $2,791 | $2,428 | $2,264 |
| State Farm | $3,401 | $2,108 | $1,664 |
| USAA | $2,369 | $1,610 | $1,328 |
Cheapest Rocky Mount, VA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Rocky Mount, VA to rates for a clean record with top companies.
Annual Rocky Mount, Virginia Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,379 | $3,765 | $3,456 | $3,055 |
| Geico | $1,597 | $2,080 | $3,165 | $1,597 |
| Nationwide | $1,788 | $1,788 | $2,634 | $2,033 |
| Progressive | $2,140 | $2,813 | $2,539 | $2,486 |
| State Farm | $2,188 | $2,594 | $2,391 | $2,391 |
| USAA | $1,370 | $1,776 | $2,357 | $1,573 |
Read More: Compare Best Car Insurance Companies That Accept DUI
Cheapest Rocky Mount, VA Car Insurance for Teen Drivers
Teen car insurance in Rocky Mount, VA can be expensive. Take a look at rates from the top car insurance companies in Rocky Mount for teenagers.
Annual Car Insurance Rates for Teen Drivers in Rocky Mount, Virginia
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,947 | $6,856 |
| Geico | $3,174 | $4,258 |
| Nationwide | $3,354 | $4,351 |
| Progressive | $5,686 | $6,378 |
| State Farm | $4,389 | $5,514 |
| USAA | $3,281 | $3,920 |
Cheapest Rocky Mount, VA Car Insurance for Seniors
Take a look at Rocky Mount, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Rocky Mount, Virginia
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,902 | $1,902 |
| Geico | $1,442 | $1,442 |
| Nationwide | $1,272 | $1,313 |
| Progressive | $1,144 | $1,152 |
| State Farm | $1,329 | $1,329 |
| USAA | $987 | $994 |
Cheapest Rocky Mount, VA Car Insurance Rates After a DUI
A DUI in Rocky Mount, VA increases car insurance rates. Compare Rocky Mount, Virginia DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Rocky Mount, Virginia
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,456 |
| Geico | $3,165 |
| Nationwide | $2,634 |
| Progressive | $2,539 |
| State Farm | $2,391 |
| USAA | $2,357 |
Read more: What are the DUI insurance laws in Virginia?
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Cheapest Rocky Mount, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Rocky Mount, VA by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Rocky Mount, Virginia
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,069 | $3,259 |
| Geico | $2,070 | $2,149 |
| Nationwide | $2,061 | $2,061 |
| Progressive | $2,494 | $2,494 |
| State Farm | $2,333 | $2,449 |
| USAA | $1,704 | $1,834 |
The Best Cheap Car Insurance Companies in Rocky Mount, VA
Take a look at a side-by-side comparison of the top car insurance companies in Rocky Mount, VA to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Rocky Mount, Virginia
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,164 |
| Geico | $2,110 |
| Nationwide | $2,061 |
| Progressive | $2,494 |
| State Farm | $2,391 |
| USAA | $1,769 |
Category Winners: Cheapest Car Insurance in Rocky Mount, Virginia
Find the cheapest car insurance companies in Rocky Mount, VA for each category right here.
Best Annual Car Insurance Rates by Company in Rocky Mount, Virginia
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Rocky Mount, VA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Rocky Mount car insurance rates. Find the cheapest Rocky Mount, VA car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Rocky Mount, Virginia
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,076 | $3,165 | $3,251 |
| Geico | $2,028 | $2,107 | $2,194 |
| Nationwide | $2,168 | $2,039 | $1,975 |
| Progressive | $2,380 | $2,465 | $2,637 |
| State Farm | $2,263 | $2,387 | $2,523 |
| USAA | $1,706 | $1,772 | $1,829 |
What affects car insurance rates in Rocky Mount, Virginia?
What factors can have an impact on Rocky Mount, VA car insurance? There are several reasons why Rocky Mount car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Rocky Mount, Virginia.
Commute Time in Rocky Mount
The more time you spend in your car the higher the risk of an accident. The average commute length in Rocky Mount, VA is 20.7 minutes according to City-Data.
Traffic in Rocky Mount
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Rocky Mount, VA traffic data from INRIX ranks Rocky Mount as the 711th-most congested in the world.
Compare Car Insurance Quotes in Rocky Mount, VA
Ready to find affordable Rocky Mount, Virginia car insurance today? Enter your ZIP code for fast, free Rocky Mount, VA car insurance quotes.
Frequently Asked Questions
What are the car insurance requirements in Rocky Mount, VA?
Rocky Mount, Virginia car insurance requirements are 25/50/20, but you may need full coverage insurance if your car is financed.
How can I find cheap car insurance rates in Rocky Mount, VA?
To find cheap car insurance rates in Rocky Mount, VA, compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Rocky Mount, VA?
Every car insurance company in Rocky Mount, VA weighs age, gender, and marital status differently. It’s recommended to check out the comparison rates from various companies.
Does credit score impact car insurance costs in Rocky Mount, VA?
Yes, your credit score can affect car insurance costs in Rocky Mount, VA. Compare credit history car insurance rates for good, fair, and poor credit from top companies.
How does a driving record impact car insurance rates in Rocky Mount, VA?
Your driving record is a significant factor in car insurance costs. Compare rates for a clean record and rates for a bad driving record in Rocky Mount, VA with top companies.
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