Cherry Hill drivers pay an average of $1,583/year — $188 less than the national average. With 266 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $431/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cherry Hill, VA from top carriers. Rates are adjusted for Cherry Hill's 266 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $527 | $88/mo |
| GEICO | $598 | $100/mo |
| Progressive | $675 | $113/mo |
| State Farm | $741 | $124/mo |
| Allstate | $900 | $150/mo |
Estimates based on 2026 rate filings for ZIP 22026. USAA is cheapest at ~$88/mo. Actual rates vary by driver profile and exact Cherry Hill location.
These Cherry Hill-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cherry Hill, VA. Takes under 2 minutes.
(888) 217-6781Cherry Hill is a smaller city in Virginia with a population of 23,683. 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 Cherry Hill.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Cherry Hill can swing your premium by hundreds of dollars. Here's how rates compare across Cherry Hill neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 22035 | Cherry Hill South Side | $1,506/yr | $126/mo |
| 22031 | Cherry Hill North Side | $1,529/yr | $127/mo |
| 22034 | Cherry Hill West Side | $1,549/yr | $129/mo |
| 22034 | Cherry Hill East Side | $1,627/yr | $136/mo |
| 22026 | Cherry Hill Downtown/Central | $1,738/yr | $145/mo |
The cheapest ZIP is 22035 (Cherry Hill South Side) at $1,506/yr. The most expensive is 22026 (Cherry Hill Downtown/Central) at $1,738/yr — a $232/year difference for the same driver.
Your Cherry Hill ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cherry Hill. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,324/yr | $277/mo | +110% vs avg |
| Young Adult (20-25) | $2,216/yr | $185/mo | +40% vs avg |
| Adult (26-35) | $1,583/yr | $132/mo | 0% vs avg |
| Mid-Career (36-50) | $1,393/yr | $116/mo | -12% vs avg |
| Senior (51-65) | $1,314/yr | $110/mo | -17% vs avg |
| 65+ | $1,409/yr | $117/mo | -11% vs avg |
Teens in Cherry Hill pay an average of $3,324/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,314/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.
Cherry Hill drivers can save up to $431/year. ZIP 22035 (Cherry Hill South Side) has the lowest rates starting at $1,506/yr.
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