Bon Air drivers pay an average of $1,518/year — $253 less than the national average. With 214 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $366/year.
(888) 217-6781Estimated full coverage auto insurance rates for Bon Air, VA from top carriers. Rates are adjusted for Bon Air's 214 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $505 | $84/mo |
| GEICO | $574 | $96/mo |
| Progressive | $648 | $108/mo |
| State Farm | $711 | $118/mo |
| Allstate | $863 | $144/mo |
Estimates based on 2026 rate filings for ZIP 23235. USAA is cheapest at ~$84/mo. Actual rates vary by driver profile and exact Bon Air location.
These Bon Air-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Bon Air, VA. Takes under 2 minutes.
(888) 217-6781Bon Air is a smaller city in Virginia with a population of 18,022. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, nor'easters, flooding, thunderstorms, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Bon Air.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Bon Air can swing your premium by hundreds of dollars. Here's how rates compare across Bon Air neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 23244 | Bon Air South Side | $1,433/yr | $119/mo |
| 23251 | Bon Air West Side | $1,478/yr | $123/mo |
| 23236 | Bon Air North Side | $1,502/yr | $125/mo |
| 23239 | Bon Air East Side | $1,553/yr | $129/mo |
| 23235 | Bon Air Downtown/Central | $1,663/yr | $139/mo |
The cheapest ZIP is 23244 (Bon Air South Side) at $1,433/yr. The most expensive is 23235 (Bon Air Downtown/Central) at $1,663/yr — a $230/year difference for the same driver.
Your Bon Air ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Bon Air. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,188/yr | $266/mo | +110% vs avg |
| Young Adult (20-25) | $2,125/yr | $177/mo | +40% vs avg |
| Adult (26-35) | $1,518/yr | $127/mo | 0% vs avg |
| Mid-Career (36-50) | $1,336/yr | $111/mo | -12% vs avg |
| Senior (51-65) | $1,260/yr | $105/mo | -17% vs avg |
| 65+ | $1,351/yr | $113/mo | -11% vs avg |
Teens in Bon Air pay an average of $3,188/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,260/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Virginia cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Bon Air drivers can save up to $366/year. ZIP 23244 (Bon Air South Side) has the lowest rates starting at $1,433/yr.
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