Lowes Island drivers pay an average of $1,492/year — $279 less than the national average. With 143 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $340/year.
(888) 217-6781Estimated full coverage auto insurance rates for Lowes Island, VA from top carriers. Rates are adjusted for Lowes Island's 143 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $497 | $83/mo |
| GEICO | $564 | $94/mo |
| Progressive | $636 | $106/mo |
| State Farm | $699 | $116/mo |
| Allstate | $849 | $141/mo |
Estimates based on 2026 rate filings for ZIP 20165. USAA is cheapest at ~$83/mo. Actual rates vary by driver profile and exact Lowes Island location.
These Lowes Island-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Lowes Island, VA. Takes under 2 minutes.
(888) 217-6781Lowes Island is a smaller city in Virginia with a population of 11,023. 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 Lowes Island.
For official Virginia insurance regulations, visit the Virginia Bureau of Insurance. For driver licensing, see the Virginia DMV.
Your specific ZIP code within Lowes Island can swing your premium by hundreds of dollars. Here's how rates compare across Lowes Island neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 20177 | Lowes Island South Side | $1,379/yr | $115/mo |
| 20166 | Lowes Island North Side | $1,446/yr | $121/mo |
| 20177 | Lowes Island West Side | $1,471/yr | $123/mo |
| 20175 | Lowes Island East Side | $1,545/yr | $129/mo |
| 20165 | Lowes Island Downtown/Central | $1,636/yr | $136/mo |
The cheapest ZIP is 20177 (Lowes Island South Side) at $1,379/yr. The most expensive is 20165 (Lowes Island Downtown/Central) at $1,636/yr — a $257/year difference for the same driver.
Your Lowes Island ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Lowes Island. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,133/yr | $261/mo | +110% vs avg |
| Young Adult (20-25) | $2,089/yr | $174/mo | +40% vs avg |
| Adult (26-35) | $1,492/yr | $124/mo | 0% vs avg |
| Mid-Career (36-50) | $1,313/yr | $109/mo | -12% vs avg |
| Senior (51-65) | $1,238/yr | $103/mo | -17% vs avg |
| 65+ | $1,328/yr | $111/mo | -11% vs avg |
Teens in Lowes Island pay an average of $3,133/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,238/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.
Lowes Island drivers can save up to $340/year. ZIP 20177 (Lowes Island South Side) has the lowest rates starting at $1,379/yr.
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