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Direct calculation is teen will pay more and life gets fussy in paying insurance premiums and on the other hand the old driver has hustle free life as they pay less and save more. In Virginia, according to the reports some insurance companies follow different rules as they only provide auto insurance to the people who have good credit score with good background and if they offer them with auto insurance then the insurer has to pay according to their credit score rating like if their credit scores comes in between 620 to 680 then they have to pay like $33 more. According to the reports this rate is like 40% more than the average basic rate of $85. On the other hand in Virginia car insurance do increases post-accident on a great rate. Above all to provide you with knowledge other states which are the least expensive in US are few of them if we start from higher to lower, then the first one which comes up is Illinois with $1,035 and Virginia with $1,020 then Iowa $989, North Carolina$987, and so on and the last one would be Maine with $808. So If you are in any of the states do pick up the best insurance plan for yourself and save more for yourself and your children.