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Ashburn, VA
Dragon Insurance is an independent agency licensed in Virginia, writing car policies for Ashburn, Brambleton, Broadlands, and the rest of eastern Loudoun County. Whether you drive the Dulles Greenway every weekday or park at Ashburn station and ride the Silver Line, we price your real mileage with Progressive, Safeco, Liberty Mutual, and The General and place the policy that costs least for the limits you want.
Call for a quote on the spot. Online requests answered within 1 hour on business days.
Quick Answer
In Ashburn the biggest pricing question is how you get to work, and three details decide the answer.
Curious how a side-by-side comparison works? Read our guide to comparing auto insurance quotes.
Want the statewide rules and rate drivers first? Read our Virginia car insurance requirements and cost guide.
Four carriers, one set of limits
Progressive, Safeco, Liberty Mutual, and The General quoted on matching coverage, so the cheapest number is also a fair comparison.
Virginia's 50/100/25 floor, with room above it
We quote the state minimum beside 100/300/100 and an umbrella option, so you see exactly what more protection adds each month.
Records with tickets still get placed
Non-standard markets such as The General compete for drivers with violations or a lapse, and we file an SR-22 when one is needed.
80+ five-star reviews
Clients who stayed with us at renewal because we requoted the policy instead of letting the price drift upward.
Two recent law changes affect every Ashburn driver: higher liability minimums from January 2025, and the end of the $500 uninsured motor vehicle fee in July 2024. Here is the legal floor next to the limits we usually quote for Loudoun households.
| Coverage | Virginia Minimum | What We Usually Quote |
|---|---|---|
| Bodily Injury Liability | $50,000 per person / $100,000 per accident | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Uninsured / Underinsured Motorist | Required, matches liability by default | Keep it equal to your liability |
| $500 Uninsured Motor Vehicle Fee | Ended July 1, 2024 | Insure every registered vehicle |
| Collision & Comprehensive | Not part of the liability minimum | Usually required by a lender or lease |
Minimums per House Bill 1077 (Va. Code 46.2-472), effective January 1, 2025, which raised limits from 30/60/20. The uninsured motor vehicle fee ended under Senate Bill 951. A minimum policy is the legal floor, not a recommendation; call 717-229-5115 to price the step up.
Ashburn drivers heading east tend to pick one of a few routes. The Dulles Greenway is a privately owned toll road running between Dulles Airport and Leesburg. Route 7, the Harry Byrd Highway, plus Loudoun County Parkway, Route 28, and Waxpool Road fill out the rest of the local commute map.
Then there is the train. Ashburn station opened on November 15, 2022 as the western terminus of Metro's Silver Line, which gives many households a way to leave a car home on workdays. Carriers price a car that sits in the garage very differently from one that logs a long commute, so the honest mileage number on your application is worth getting right.
Driving to work every day
We rate the car for commute use at your real round-trip distance and compare which carriers price that mileage lowest, rather than guessing high.
Riding Metro most of the week
A low-mileage tier, pleasure-use rating, or usage-based program may lower the premium. We quote the carriers that offer one alongside the rest.
One car commutes, one stays local
Each vehicle can be rated on its own use. We set them up separately so the weekend car is not priced like the commuter.
Ashburn mail runs through 20146, 20147, 20148, and 20149. The established eastern neighborhoods sit mostly in 20147 and the newer western and southern growth in 20148, and a carrier can price those differently, so we quote your exact address.
Ashburn Farm
20147
Ashburn Village
20147
Brambleton
20148
Broadlands
20148
Ashburn
20146
Ashburn
20149
Visit our Ashburn, VA location page for home, renters, and business coverage, or check the statewide rules on our Virginia auto insurance page.
What Loudoun County drivers ask us before they switch.
Yes. We are licensed in Virginia and insure drivers at every Ashburn address, ZIP codes 20146, 20147, 20148, and 20149, from Ashburn Farm and Ashburn Village to Brambleton and Broadlands. Call 717-229-5115 or fill in the online quote form. Have each driver's license number, every vehicle's VIN, and your current declarations page nearby so we can price Progressive, Safeco, Liberty Mutual, and The General on matching limits in one pass.
There is no published MoneyGeek figure for Ashburn or Loudoun County, so we will not guess at one. Virginia's statewide average, per MoneyGeek 2026, is about $97 a month for full coverage and about $53 a month for minimum coverage. Ashburn quotes land above or below that depending on your exact ZIP, driving record, vehicle, limits, and how many miles you put on the car each year. Call 717-229-5115 for your own number.
Virginia requires 50/100/25 liability: $50,000 for bodily injury to one person, $100,000 for bodily injury per accident, and $25,000 for property damage. Those limits replaced 30/60/20 on January 1, 2025 under House Bill 1077 (Va. Code 46.2-472). Uninsured and underinsured motorist coverage is required as well and matches your liability limits by default.
No. Senate Bill 951 ended that option on July 1, 2024. Every vehicle registered or renewed in Virginia must now carry at least minimum liability insurance. If you moved to Loudoun with a car that was never insured under the old fee, we can quote a policy that lets you register it.
Your commute matters more than the road itself. Carriers rate how far you drive and whether the car is used for commuting, so a daily run down the Greenway, Route 7, or Loudoun County Parkway is priced differently than a car that stays local. We report your real round trip so the policy is rated on the miles you actually drive, then compare carriers that treat that mileage best.
It may. Ashburn station, the western end of the Silver Line, opened on November 15, 2022, and a car that only does weekend errands is a smaller risk than one in rush-hour traffic five days a week. Low-mileage tiers, pleasure-use rating, or a usage-based program may help where a carrier offers one. Tell us your yearly mileage when you quote and we place the car with the carrier that rewards it.
Yes. A clean-record carrier may not be your cheapest option after a violation, which is why we also quote non-standard markets such as The General alongside Progressive, Safeco, and Liberty Mutual. We can also handle an SR-22 filing when one is required. Comparing every option is how you find the lowest price available for your record today.
Price it both ways. Many carriers discount auto when the home policy sits with them too, but the bundle only makes sense if it beats the cheapest separate policies. We quote the house and every car together, show the standalone prices beside the bundle on matching limits, and you keep whichever costs less.
All four: 20146, 20147, 20148, and 20149. ZIP 20147 covers established communities such as Ashburn Farm and Ashburn Village, and 20148 covers newer growth such as Brambleton and Broadlands. Rates can differ from one ZIP to the next, so quote your exact address.
Ashburn, VA
Give us your ZIP, your commute, and every driver in the house. We compare Progressive, Safeco, Liberty Mutual, and The General on the same limits and place the policy that costs least for the coverage you choose.
80+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Virginia
Blog
More reading for Loudoun County and Virginia drivers.
August 15, 2026
Virginia Car Insurance: Requirements, Cost, and How to Save (2026 Guide)
Virginia raised its minimum liability requirement to 50/100/25 under House Bill 1077. See average 2026 Virginia car insurance rates, what changed, and where the savings are.
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April 24, 2026
How to Compare Auto Insurance Quotes (Step-by-Step)
What to review before you switch carriers, including liability limits, deductibles, and discounts that actually lower your rate.
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June 14, 2026
Independent vs Captive Insurance Agent: Which Should You Use?
An independent agent represents many carriers and compares them for you. A captive agent sells one company. Here is the difference, when each makes sense, and why more choice usually wins.
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