Best Pulaski, Virginia Auto Insurance in 2024 (Check Out the Top 10 Companies)
Best providers are State Farm, USAA, and Progressive, each known for their competitive rates and reliable coverage options. For best Pulaski, Virginia auto insurance, State Farm offers the lowest rate at $18/mo. To find the best auto insurance for your needs, compare rates and coverage from these leading companies.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Sep 12, 2024
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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.
UPDATED: Sep 12, 2024
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.
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17,759 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
6,435 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsDiscover the best Pulaski, Virginia auto insurance with best providers like State Farm, USAA, and Progressive, offering rates from $18/month.
Compare auto insurance in Pulaski to other Virginia cities, including Newport News Virginia Auto Insurance Rates, Suffolk auto insurance rates, and Norfolk auto insurance rates to see how Pulaski, Virginia auto insurance rates stack up.
Our Top 10 Company Picks: Best Pulaski, Virginia Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | B | Local Agents | State Farm |
 | #2 | 12% | A++ | Military Savings | USAA |
 | #3 | 10% | A+ | Customizable Plans | Progressive |
 | #4 | 12% | A+ | Infrequent Drivers | Allstate |
 | #5 | 11% | A++ | Affordable Rates | Geico |
 | #6 | 13% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 9% | A | Coverage Options | Liberty Mutual |
 | #8 | 12% | A++ | Young Adults | Auto-Owners |
 | #9 | 10% | A++ | Diverse Needs | Travelers |
 | #10 | 10% | A | Family Benefits | American Family |
Before you buy Pulaski, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Pulaski, Virginia auto insurance quotes.
- Average auto insurance rates in Pulaski for seniors are $8/mo
- Average commute in Pulaski is 20 mins
- Minimum auto insurance in Pulaski is 25/50/20
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#1 – State Farm: Top Overall Pick
Pros
- Top-Rated for Customer Service: Ranked #1, State Farm is highly recommended for the best Pulaski, Virginia auto insurance due to its excellent customer service and claims handling. They offer a 15% bundling discount and have a strong local agent network.
- Broad Coverage Options: State Farm provides extensive coverage options, including rideshare insurance, making it a great choice for the best Pulaski, Virginia auto insurance. Their strong A.M. Best rating of B reflects solid reliability.
- Discounts for Safe Driving: Offers substantial discounts for safe driving, which helps you get the best Pulaski, Virginia auto insurance rates if you have a clean driving record. Discover more at “State Farm Auto Insurance Review.”
Cons
- Premiums Can Be Higher: State Farm’s premiums may be higher, which could affect the affordability of the best Pulaski, Virginia auto insurance, even with their 15% bundling discount.
- Limited Discounts for Non-Standard Vehicles: The availability of discounts might be limited for non-standard or luxury vehicles, impacting those seeking the best Pulaski, Virginia auto insurance for such cars.
#2 – USAA: Best for Military Savings
Pros
- Lowest Rates for Military Families: USAA provides some of the lowest rates available, making it an excellent choice for the best Pulaski, Virginia auto insurance, especially for military families. Discover lowest rates for military families at “USAA Auto Insurance Review.”
- Excellent Customer Service: Known for exceptional customer service, USAA ensures a top-notch experience for the best Pulaski, Virginia auto insurance with an A++ financial rating.
- Comprehensive Coverage Options: USAA offers a range of coverage options tailored to military members, which makes it a leading choice for the best Pulaski, Virginia auto insurance.
Cons
- Eligibility Restrictions: USAA insurance is only available to military members and their families, which may limit access to the best Pulaski, Virginia auto insurance for others.
- Limited Local Offices: Fewer local offices may impact those who prefer face-to-face service for the best Pulaski, Virginia auto insurance.
#3 – Progressive: Best for Customizable Plans
Pros
- Competitive Rates: Progressive is known for offering competitive rates, making it a strong candidate for the best Pulaski, Virginia auto insurance. Ranked #3 with an A.M. Best rating of A+, it provides a 10% bundling discount.
- Flexible Coverage Options: Provides a range of customizable plans and features like Snapshot, which tracks driving habits. This flexibility helps in finding the best Pulaski, Virginia auto insurance tailored to your needs.
- User-Friendly Online Tools: Progressive’s website and mobile app make it easy to manage policies and file claims, contributing to an optimal experience for the best Pulaski, Virginia auto insurance.
Cons
- Customer Service Variability: Some customers report inconsistent experiences with Progressive’s customer service, which could impact the quality of the best Pulaski, Virginia auto insurance experience.
- Complex Policy Options: The extensive range of options and add-ons can be confusing, making it challenging to determine the best Pulaski, Virginia auto insurance coverage. Learn more by checking out “Progressive Auto Insurance Review.”
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#4 – Allstate: Best for Infrequent Drivers
Pros
- High Customer Satisfaction: Allstate is highly rated for customer service, making it a top choice for the best Pulaski, Virginia auto insurance. Ranked #4, it offers a 12% bundling discount and excels for infrequent drivers.
- Multi-Policy Discounts: Allstate offers a 12% discount for bundling multiple policies, which can help you get the best Pulaski, Virginia auto insurance rates if you need various types of coverage. Explore more about multi-policy discount at “Allstate Auto Insurance Review.”
- Strong Financial Stability: With an A.M. Best rating of A+, Allstate provides reliable service and claims handling, ensuring you get the best Pulaski, Virginia auto insurance from a financially stable provider.
Cons
- Higher Premiums: Allstate’s premiums can be higher, which might affect the affordability of the best Pulaski, Virginia auto insurance for some drivers, despite their 12% bundling discount.
- Limited Coverage Options in Some Areas: Coverage options might be less flexible in certain locations, impacting the ability to secure the best Pulaski, Virginia auto insurance for specific needs.
#5 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico is known for its competitive and affordable rates, making it a strong contender for the best Pulaski, Virginia auto insurance. Ranked #5, it offers an A++ A.M. Best rating and an 11% bundling discount. See “Geico Auto Insurance Review” for more affordable rates.
- User-Friendly Online Tools: Geico provides an easy-to-navigate website and mobile app, simplifying the process of managing policies and claims for the best Pulaski, Virginia auto insurance.
- Wide Range of Discounts: Offers numerous discounts, including savings for good drivers and low-mileage vehicles, helping you get the best Pulaski, Virginia auto insurance.
Cons
- Limited Local Agent Network: Geico’s focus on online services means fewer local agents are available, which might affect those who prefer face-to-face interactions for the best Pulaski, Virginia auto insurance.
- Customer Service Variability: Some customers report inconsistent experiences with Geico’s customer service, potentially impacting the quality of the best Pulaski, Virginia auto insurance experience.
#6 – Nationwide: Vanishing Deductible
Pros
- Strong Financial Stability: Nationwide’s A.M. Best rating of A+ indicates strong financial stability, ensuring reliable service for the best Pulaski, Virginia auto insurance. Ranked #6 with a 13% bundling discount.
- Flexible Coverage Options: Offers various coverage options, including the vanishing deductible feature, which can be beneficial for finding the best Pulaski, Virginia auto insurance. Explore more flexible coverage options at “Nationwide Auto Insurance Review.”
- Discounts for Safe Driving: Provides discounts for safe driving and other qualifying factors, which helps in securing the best Pulaski, Virginia auto insurance rates.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for certain drivers, affecting the affordability of the best Pulaski, Virginia auto insurance despite their 13% discount.
- Complex Policy Details: The extensive range of features and options can make understanding policy details challenging, complicating the search for the best Pulaski, Virginia auto insurance.
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#7– Liberty Mutual: Coverage Options
Pros
- Multi-Policy Discounts: Liberty Mutual offers a 9% bundling discount, which can be advantageous for obtaining the best Pulaski, Virginia auto insurance if you need multiple types of coverage. Ranked #7, it is known for broad coverage options.
- Wide Range of Coverage Options: Provides a variety of coverage types and add-ons, making it a viable option for the best Pulaski, Virginia auto insurance. Their A.M. Best rating of A indicates solid financial stability.
- Strong Financial Ratings: With an A.M. Best rating of A, Liberty Mutual is financially reliable, ensuring dependable service for those seeking the best Pulaski, Virginia auto insurance.
Cons
- Higher Rates for Certain Drivers: Premiums may be higher for drivers with poor credit or less favorable records, potentially affecting the cost-effectiveness of the best Pulaski, Virginia auto insurance. Read more at “Liberty Mutual Auto Insurance Review.”
- Limited Local Agent Network: The availability of local agents may be fewer, impacting those who prefer personal interactions for their best Pulaski, Virginia auto insurance.
#8 – Auto-Owners: Best for Young Adults
Pros
- High Customer Satisfaction: Known for high customer satisfaction, Auto-Owners is a leading option for the best Pulaski, Virginia auto insurance. Ranked #8 with an A++ rating and a 12% bundling discount, it’s ideal for young adults.
- Competitive Rates: Offers competitive rates and discounts for safe driving, which can help you find the best Pulaski, Virginia auto insurance. Look for more competitive rates that are suited for you at “Auto-Owners Auto Insurance Review.”
- Strong Financial Ratings: With an A++ A.M. Best rating, Auto-Owners provides reliable service and financial stability, ensuring it’s a solid choice for the best Pulaski, Virginia auto insurance.
Cons
- Limited Availability: Auto-Owners may not be available in all states, which can limit access to the best Pulaski, Virginia auto insurance for some potential customers.
- Average Online Tools: The online tools and resources may not be as advanced as some competitors, which could impact your experience when seeking the best Pulaski, Virginia auto insurance.
#9 – Travelers: Best for Diverse Needs
Pros
- Comprehensive Coverage Options: Travelers offers a wide range of customizable plans, making it a strong contender for the best Pulaski, Virginia auto insurance. Ranked #9 with a 10% bundling discount, it caters to diverse needs.
- Discounts for Multiple Policies: Travelers provides a 10% discount for bundling policies, which can help you find the best Pulaski, Virginia auto insurance if you need coverage for multiple types of insurance.
- Strong Customer Service: With an A.M. Best rating of A++, Travelers is known for excellent customer service and financial stability, making it a reliable choice for the best Pulaski, Virginia auto insurance.
Cons
- Average Rates: While Travelers offers competitive rates, they might not always be the lowest, affecting how the best Pulaski, Virginia auto insurance compares in terms of cost. Read more at “Travelers Auto Insurance Review.”
- Complex Pricing Structure: The variety of options and add-ons can make understanding the pricing challenging, potentially complicating your search for the best Pulaski, Virginia auto insurance.
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#10 – American Family: Best for Family Benefits
Cheap Pulaski, Virginia Auto Insurance by Age and Gender
Pulaski, 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.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $21 | $64 |
| $28 | $65 |
| $27 | $67 |
| $23 | $59 |
| $32 | $68 |
| $35 | $66 |
| $30 | $61 |
| $18 | $63 |
| $29 | $70 |
| $25 | $43 |
This minimum coverage includes liability for bodily injury and property damage. Make sure you understand these requirements and consider additional coverage options to fully protect yourself and your vehicle.
Pulaski, Virginia Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Multi-Policy, Anti-Theft, Good Student, Early Signing |
| Safe Driving, Multi-Policy, Early Signing, Good Student |
| Multi-Policy, Payment History, Safe Driving, Good Student |
| Multi-Policy, Safe Driving, Seat Belt Use, Defensive Driving |
| Multi-Policy, Early Signing, Safe Driving, Anti-Theft |
| Safe Driving, Multi-Policy, Anti-Theft, Paperless Billing, Good Student |
| Safe Driving, Multi-Policy, Continuous Coverage, Homeowner |
| Safe Driving, Multi-Policy, Anti-Theft, Good Student, Defensive Driving |
| Multi-Policy, Homeowner, Safe Driving, Continuous Coverage |
| Military Affiliation, Safe Driving, Multi-Policy, Defensive Driving |
Take a look at the required auto insurance in Pulaski, Virginia, and ensure you meet or exceed these standards to stay compliant and safeguarded. Understanding the car insurance requirements will help you choose a policy that fulfills legal obligations while providing adequate coverage.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $488 | $562 | $203 | $203 | $155 | $147 | $155 | $155 |
| $255 | $343 | $139 | $137 | $119 | $119 | $113 | $113 |
| $282 | $363 | $131 | $142 | $119 | $119 | $105 | $108 |
| $439 | $493 | $116 | $118 | $96 | $91 | $87 | $87 |
| $309 | $388 | $116 | $134 | $103 | $103 | $93 | $93 |
| $258 | $307 | $106 | $116 | $83 | $81 | $77 | $78 |
Auto insurance rates in Pulaski, Virginia are affected by age, gender, and marital status. See how demographics impact the monthly cost of insurance.
Cheap Pulaski, Virginia Auto Insurance for Seniors
What are senior auto insurance rates in Pulaski, Virginia? Take a look at the monthly average rates for older drivers to see how premiums can vary based on age and driving history.
Seniors often benefit from lower rates due to their extensive driving experience and generally lower accident rates. However, it’s important to compare rates and discounts specifically tailored to seniors to ensure you’re getting the best value.
Best Pulaski, Virginia Senior Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $155 | $155 |
| $113 | $113 |
| $105 | $108 |
| $87 | $87 |
| $93 | $93 |
| $77 | $78 |
Seniors often benefit from lower rates due to their extensive driving experience and generally lower accident rates. Additionally, many insurance companies offer discounts specifically for senior drivers, recognizing their cautious driving habits.
Cheap Pulaski, Virginia Auto Insurance By Credit History
Credit history greatly impacts the cost of cheapest auto insurance companies. Compare Pulaski, Virginia, monthly rates by credit history to see the difference. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Insurance companies often use credit scores to assess risk, with lower credit scores potentially leading to higher rates. By reviewing rates for different credit levels, you can get a clearer picture of how your financial history affects your insurance costs.
Best Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| $315 | $252 | $208 |
| $186 | $158 | $158 |
| $203 | $163 | $148 |
| $212 | $186 | $174 |
| $238 | $148 | $117 |
| $185 | $126 | $104 |
Additionally, improving your credit score may help in securing better rates over time, as many insurers consider credit history when determining premiums and offer lower rates to those with higher credit scores.
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Cheap Pulaski, Virginia Auto Insurance Rates By Commute Length
Commute length and annual mileage are key factors that affect auto insurance rates in Pulaski, Virginia. Discover the cheapest monthly rates based on your commute length.
Insurance companies often consider longer commutes as increasing the likelihood of accidents, which can result in higher rates. By analyzing rates for different mileage levels, you can find the most cost-effective options for your specific driving habits.
Additionally, reducing your annual mileage might qualify you for discounts or lower rates.
Best Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $251 | $266 |
| $164 | $170 |
| $171 | $171 |
| $191 | $191 |
| $163 | $172 |
| $133 | $143 |
Some insurers offer programs or discounts specifically for low-mileage drivers, which can significantly lower your premiums. Tracking your mileage and adjusting your driving habits accordingly can also lead to further savings.
Compare Pulaski, Virginia Auto Insurance Quotes
Before you buy Pulaski, Virginia auto insurance, make sure you have compared rates from multiple companies. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
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Taking the time to shop around can help you identify the best deals and potential savings based on your specific needs. Additionally, evaluating each provider’s coverage options, discounts, and customer service can ensure you make an informed decision.
Be sure to review customer feedback and ratings to gauge the overall satisfaction of policyholders and find the best fit for your auto insurance requirements. Also, understanding “how do you file a car insurance claim?“with each provider can be crucial for a smooth claims process if you ever need to use your insurance.
Frequently Asked Questions
What is Pulaski, VA auto insurance?
Pulaski, VA auto insurance refers to the insurance coverage required for vehicles registered and operated in Pulaski, Virginia. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Pulaski, VA?
The common types of auto insurance coverage available in Pulaski, VA include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Is auto insurance mandatory in Pulaski, VA?
Yes, auto insurance is mandatory in Pulaski, VA, as it is in the rest of Virginia. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
Read more: Factors That Affects Auto Insurance Rates
What are the minimum liability insurance requirements in Pulaski, VA?
The minimum liability insurance requirements in Pulaski, VA are as follows:
- $2,083 bodily injury liability per person
- $4,166 bodily injury liability per accident
- $1,666 property damage liability per accident
Can I purchase additional auto insurance coverage in Pulaski, VA?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Pulaski, VA. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.
How can I find the best auto insurance in Pulaski, VA?
To find the best auto insurance in Pulaski, VA, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
Read more: Virginia Auto Insurance
What factors affect my auto insurance premium?
Your auto insurance premium can be influenced by several factors, including your driving history, the type of vehicle you drive, your age, your location, and your credit score. Insurance companies assess these factors to determine the risk you pose and set your premium accordingly.
How can I lower my auto insurance rates?
To lower your auto insurance rates, consider increasing your deductible, maintaining a clean driving record, taking advantage of discounts (such as multi-policy or safe driver discounts), and improving your credit score.
Shopping around and comparing quotes from different providers can also help you find the best rates. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
What is gap insurance, and do I need it?
Gap insurance covers the difference between what you owe on your car loan or lease and the current market value of your vehicle if it is totaled in an accident. It’s especially useful for new cars that depreciate quickly. If you have a substantial loan or lease balance, gap insurance can provide valuable protection.
Read more: Auto Insurance Rates by ZIP code
Can I get auto insurance if I have a poor credit history?
Yes, you can still get auto insurance with a poor credit history, but it might result in higher premiums. Insurance companies often use credit scores as one factor in determining rates, so maintaining good credit can help you secure lower rates. It’s worth shopping around and comparing quotes from different insurers to find the best coverage for your situation.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
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.