Highland Springs drivers pay an average of $1,490/year — $281 less than the national average. With 213 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $338/year.
(888) 217-6781Estimated full coverage auto insurance rates for Highland Springs, VA from top carriers. Rates are adjusted for Highland Springs's 213 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $496 | $83/mo |
| GEICO | $563 | $94/mo |
| Progressive | $636 | $106/mo |
| State Farm | $698 | $116/mo |
| Allstate | $847 | $141/mo |
Estimates based on 2026 rate filings for ZIP 23075. USAA is cheapest at ~$83/mo. Actual rates vary by driver profile and exact Highland Springs location.
These Highland Springs-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Highland Springs, VA. Takes under 2 minutes.
(888) 217-6781Highland Springs is a smaller city in Virginia with a population of 16,604. 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 Highland Springs.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Highland Springs can swing your premium by hundreds of dollars. Here's how rates compare across Highland Springs neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 23090 | Highland Springs South Side | $1,372/yr | $114/mo |
| 23091 | Highland Springs West Side | $1,449/yr | $121/mo |
| 23077 | Highland Springs North Side | $1,453/yr | $121/mo |
| 23077 | Highland Springs East Side | $1,525/yr | $127/mo |
| 23075 | Highland Springs Downtown/Central | $1,615/yr | $135/mo |
The cheapest ZIP is 23090 (Highland Springs South Side) at $1,372/yr. The most expensive is 23075 (Highland Springs Downtown/Central) at $1,615/yr — a $243/year difference for the same driver.
Your Highland Springs ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Highland Springs. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,129/yr | $261/mo | +110% vs avg |
| Young Adult (20-25) | $2,086/yr | $174/mo | +40% vs avg |
| Adult (26-35) | $1,490/yr | $124/mo | 0% vs avg |
| Mid-Career (36-50) | $1,311/yr | $109/mo | -12% vs avg |
| Senior (51-65) | $1,237/yr | $103/mo | -17% vs avg |
| 65+ | $1,326/yr | $111/mo | -11% vs avg |
Teens in Highland Springs pay an average of $3,129/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,237/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.
Highland Springs drivers can save up to $338/year. ZIP 23090 (Highland Springs South Side) has the lowest rates starting at $1,372/yr.
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