Cheapest Auto Insurance in Portsmouth, Virginia (2024)

With a monthly liability-only rate of $43, Auto-Owners is the cheapest car insurance company in Portsmouth.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated October 30, 2024

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Cheapest recent rates near Portsmouth, Virginia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $82/mo for full coverage in Portsmouth and other Virginia cities.

*Quotes generated for Insurify users in and around Portsmouth, Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Portsmouth, Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Portsmouth, Virginia, is $152 per month, according to Insurify data. This is slightly more affordable than the national average of $158 per month but more expensive than the Virginia average of $138.

Portsmouth is a city full of history and home to many bridges and tunnels, which can influence traffic patterns and car insurance rates. Comparing quotes from multiple insurers is the best way to find an affordable policy in Portsmouth.

Quick Facts
  • Portsmouth drivers pay $112 per month for liability coverage and $192 per month for full coverage.

  • Auto-Owners, State Farm, and GEICO have the cheapest car insurance in Portsmouth.

  • As of July 1, 2024, Virginia will require all drivers to buy at least the state’s minimum required amount of car insurance.

3 of the cheapest car insurance companies in Portsmouth

Finding the best rate is just one part of shopping for auto insurance coverage. The right company for you will depend on your needs and the coverage you’re looking to get.

Check out the three options for cheap car insurance in Portsmouth in the table below. You can see insurance quotes for full coverage and liability only and what each company is best for to help you choose the right fit.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners8.5$66$36Uninsured motorist coverage
State Farm9.3$68$37Bundling
GEICO9.0$91$49Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for uninsured motorist coverage: Auto-Owners

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$82/mo
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)

Ronald W

October 29, 2024

Verified Review

They Cancelled Our Home Insurance

We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.

Martha

October 28, 2024

Verified Review

Good

The premiums keep increasing.

Lawrence

October 24, 2024

Verified Review

Honest Answers to Questions

Please refer to my answers to the previous questions.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Historically, Virginia has allowed drivers to pay a $500 uninsured motor vehicle (UMV) fee each year to drive without car insurance. That’s changing on July 1, 2024, when the commonwealth will no longer offer the option of a UMV fee and will instead require all drivers to buy car insurance.

But it may take some motorists time to catch up. To stay protected, you can get uninsured/underinsured motorist coverage with Auto-Owners. The company also offers multiple discounts to help you get the lowest rates.

Pros
  • Gap insurance and accident forgiveness available

  • Offers multiple student discounts

Cons
  • Not available in every state

  • Poor customer service and claims process complaints on the Better Business Bureau (BBB) website

Best insurer for bundling: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$83/mo
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)

Jannie

October 29, 2024

Verified Review

Good

The insurance is higher than other companies' policies.

Marsha

October 29, 2024

Verified Review

Friendly agents!

Check out their prices!

Linda

October 29, 2024

Verified Review

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the best option for bundling, as it offers many different insurance products, including boat insurance. The city of Portsmouth has access to the Elizabeth River and is home to more than 250 boat owners. So if you’re looking for cheap car insurance in Portsmouth and need additional insurance policies, like boat insurance, commercial liability umbrella insurance for business, or home insurance, State Farm is a great option for bundling and getting multiple policies.

Pros
  • Can work with a local State Farm agent

  • Teen driver discounts available

Cons
  • Doesn’t offer gap insurance

  • Negative customer reviews on the BBB website

Best insurer for military members: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)

Herman

October 29, 2024

Verified Review

Excellent

For us, it came down to cost and having all of our insurance with the same company, not farmed out.

Greg

October 29, 2024

Verified Review

It's Expensive

It's expensive.

Robert

October 29, 2024

Verified Review

Unpleasant Experience on Cape Cod

My insurance has gone from $37 a month to $82. Stay far away from this company.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Portsmouth is home to many military members and the Navy’s longest-running hospital, the Naval Medical Center Portsmouth. Started in 1830, the hospital continues to serve military members today.[1]

Military members have unique needs, and GEICO is the best car insurance in Portsmouth for this population. GEICO offers a military discount of up to 15% and other discounts for emergency deployment and for certain memberships.

Pros
  • Multiple military discounts available

  • Optional mechanical breakdown insurance

Cons
  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Doesn’t offer gap insurance or rideshare insurance

How to get the cheapest car insurance in Portsmouth

To get cheap car insurance in Portsmouth, follow these tips:[2]

  • Bundle your policies. You typically get rewarded if you have more than one insurance policy with a company. So you can get an auto policy, renters insurance, homeowners insurance, or condo insurance to qualify for discounts.

  • Compare quotes. Research many different options for car insurance in Portsmouth, and look at rates, reviews, the company websites, and customer service complaints.

  • Drive safely. Maintaining a clean driving record is the best way to get low rates. Always wear your seat belt, avoid alcohol and substances when behind the wheel, drive the speed limit, and put your phone away.

Find Cheap Car Insurance in Portsmouth, Virginia

Liability-only rates start at $43 per month

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Cheapest liability-only car insurance in Portsmouth: Auto-Owners

Liability insurance is the most elemental type of auto insurance coverage. It covers only your liability if you cause an accident, paying out the other driver for injuries and damage. But liability insurance doesn’t reimburse you for any damage to your vehicle, which can put you in a tough place financially.

In Portsmouth, liability car insurance costs an average of $112 per month. Below, you can see the average cost for liability coverage in Portsmouth by insurance company.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$43
State Farm$45
GEICO$61
USAA$61
Mercury$63
Chubb$66
Clearcover$69
Erie$69
Nationwide$79
Midvale Home & Auto$80
Safeco$88
Direct Auto$93
Progressive$94
Allstate$95
Elephant$97
State Auto$101
National General$110
GAINSCO$119
AssuranceAmerica$120
Dairyland$122
Travelers$127
CSAA$136
Liberty Mutual$145
Bristol West$150
The General$177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Portsmouth: Auto-Owners

Drivers in Portsmouth who want to maximize their protection should consider full-coverage car insurance. When you get full coverage, you’re getting different types of insurance coverage that aim to fully protect you in a range of situations.

Full coverage generally includes liability coverage, collision coverage, and comprehensive coverage. This goes far beyond the basic protection liability insurance offers, which doesn’t cover you as the driver — only the other party.

Full-coverage car insurance in Portsmouth costs $192 per month, on average. Below are the cheapest options for full-coverage car insurance in Portsmouth.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$82
State Farm$83
GEICO$113
USAA$113
Clearcover$120
Chubb$123
Erie$129
Mercury$137
Midvale Home & Auto$137
Safeco$137
Nationwide$146
Direct Auto$162
State Auto$165
Elephant$175
Allstate$176
Progressive$179
AssuranceAmerica$198
National General$214
CSAA$216
Travelers$235
Liberty Mutual$239
GAINSCO$280
Bristol West$295
Dairyland$299
The General$341
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Portsmouth, Virginia

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $82/mo for full coverage in Portsmouth and other Virginia cities.

*Quotes generated for Insurify users in and around Portsmouth, Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Portsmouth, Virginia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Virginia

Virginia is an at-fault state, sometimes referred to as a tort state. This means the driver responsible for an accident must pay for the other parties’ injuries and vehicle damages. Dealing with financial loss and medical bills is a major concern for many people in the United States, and getting the right insurance policy can provide some protection.

Portsmouth drivers need to meet the state’s minimum car insurance requirements:[3]

Coverage
Minimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000
Important Information

The above limits are increasing for policies effective on or after Jan. 1, 2025. After that time, Virginia drivers will need to carry $50,000 per person and $100,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.

If you’d like additional protection beyond the state-required minimums, consider these coverage options:[4]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Personal injury protection (PIP) coverage

     PIP insurance reimburses you for any medical expenses due to injuries from an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides protection if there’s damage to your vehicle from a range of events that aren’t collision-related, like theft, floods, and fires.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Whether you hit a pothole, another vehicle, or an object like a mailbox or pole, collision insurance will pay for any damages that result.

Cheapest car insurance for drivers with an incident

How much of a risk you are on the road affects your car insurance rates.[5] If you have an incident on your record, that level of risk goes up — and so do your rates. Incidents can range from speeding tickets to at-fault accidents, moving violations, and driving under the influence (DUI) of alcohol or drugs.

The table below shows liability insurance quotes for Portsmouth drivers from top companies and how they differ by incident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Auto-Owners$43$55$57$70
State Farm$45$57$59$73
GEICO$61$78$81$99
USAA$61$78$81$99
Mercury$63$86$90$94
Chubb$66$86$88$107
Clearcover$69$89$99$112
Erie$69$90$94$112
Nationwide$79$102$106$128
Safeco$88$114$114$143
Direct Auto$93$118$126$151
Progressive$94$120$126$153
Allstate$95$121$126$154
Elephant$97$134$126$158
State Auto$101$140$147$164
National General$110$141$147$179
GAINSCO$119$164$152$193
AssuranceAmerica$120$155$158$195
Dairyland$122$156$161$198
Travelers$127$163$170$206
CSAA$136$177$188$221
Liberty Mutual$145$200$207$236
Bristol West$150$191$198$244
The General$177$229$239$288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age and experience tend to go hand in hand, and teen drivers typically have the most expensive car insurance premiums because their limited experience and risk-taking behaviors behind the wheel make them more likely to be in an at-fault accident.[6]

As drivers age and gain more experience, rates decrease, especially around age 35. Senior drivers enjoy lower car insurance rates but typically see increases around age 70 due to added risk factors, like decreases in vision and other age-related changes.

Here, you can see how car insurance rates change by age group for drivers in Portsmouth.

Age
Average Monthly Quote
Teens$327
20s$225
30s$167
40s$152
50s$136
60s$127
70s$130
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Portsmouth, VA

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Portsmouth car insurance quotes by credit tier

In Portsmouth, insurers can use a driver’s credit to create a credit-based insurance score, which can affect car insurance rates.

Virginia drivers with excellent or good credit have the lowest car insurance premiums, while drivers with poor credit pay the steepest rates.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Portsmouth car insurance FAQs

If you’re shopping for car insurance in Portsmouth, this additional information may help as you research your coverage options.

  • How much is car insurance in Portsmouth?

    Car insurance in Portsmouth costs an average of $112 per month for liability coverage and $192 per month for full coverage, Insurify data shows.

  • Who has the cheapest car insurance in Portsmouth?

    Auto-Owners has the cheapest car insurance in Portsmouth, with a monthly liability-only rate of $43. State Farm and GEICO also have affordable coverage, with monthly liability rates of $45 and $61, respectively.

    But the cheapest car insurance company for you will depend on factors like your age, ZIP code, driving record, and chosen coverage levels.

  • What are the best car insurance companies in Portsmouth?

    State Farm is one of the best car insurance companies in Portsmouth. It has above-average J.D. Power customer satisfaction ratings in the Central region, an A++ (Superior) financial strength rating from AM Best, and a high Insurify Quality (IQ) Score of 9.3 out of 5. Other top insurers to consider include Auto-Owners and GEICO.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Naval Medical Center Portsmouth. "About Us."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Virginia Law. "Code of Virginia."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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