In Alexandria, the average full coverage car insurance costs $110 per month. Rates range from $112 to $353 depending on the policy, vehicle type and driver details. TThe table below includes average premiums for various driver profiles to help drivers understand potential costs.
Alexandria, VA, Car Insurance
Updated: January 2, 2025
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Cheapest Car Insurance in Alexandria: Key Takeaways
Virginia Farm Bureau, State Farm and Cincinnati Insurance are the most affordable car insurance providers in Alexandria.
Virginia Farm Bureau is the cheapest provider, offering $31 per month for minimum coverage and $70 for full coverage.
The average cost of car insurance in Virginia is $59 per month for minimum coverage and $110 for full coverage.
Car Insurance Quotes in Alexandria, VA
| Young Drivers | $72 | $138 |
| Teens | No Data | $353 |
| Seniors | $61 | $112 |
| Drivers With a Speeding Ticket | $79 | $150 |
| Drivers With a DUI | $93 | $176 |
| Drivers With An Accident | $91 | $171 |
| Bad Credit | $104 | $205 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Alexandria vs. State Average
Virginia
State Average Full Coverage Rate
$1,217
Alexandria, VA
City Average Full Coverage Rate
$1,312More:$95 more
This is 8% more expensive.
What Is the Average Car Insurance Rate in Alexandria?
In Alexandria, the average cost of car insurance is $1,312 per year for full coverage and $703 for minimum coverage. These rates are higher than Virginia's averages of $1,217 and $632, respectively.
| State Average | $632 | $1,217 |
| Alexandria Average | $703 | $1,312 |
Cheapest Car Insurance Companies in Alexandria
Even with rising premiums in Virginia, you can still find cheap car insurance in Alexandria. Virginia Farm Bureau offers the cheapest monthly rate for minimum coverage at $31. For full coverage, it also provides the best rate at $70 per month.
WHY CAR INSURANCE IN ALEXANDRIA IS EXPENSIVE
Car insurance is expensive in Alexandria due to various local factors like heavy traffic and higher accident rates. Alexandria ranks high among cities in Virginia for insurance costs. Statewide, issues like a high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud contribute to the steep prices.
Cheap Car Insurance in Alexandria
Virginia Farm Bureau often provides the cheapest car insurance, but rates vary by driver. The best way to find affordable car insurance is to compare quotes from different companies. Below is a table with the lowest rates for different driver profiles.
| Virginia Farm Bureau | Minimum Coverage | $31 |
| Virginia Farm Bureau | Full Coverage | $70 |
| State Farm | Teens | $217 |
| Virginia Farm Bureau | Young Adults | $54 |
| Cincinnati Insurance | Seniors | $51 |
| Virginia Farm Bureau | Bad Credit | $78 |
| Virginia Farm Bureau | Drivers With a DUI | $65 |
| Virginia Farm Bureau | Drivers With An Accident | $69 |
| Cincinnati Insurance | Drivers With a Speeding Ticket | $64 |
Car Insurance Rates in Alexandria by Company
To find affordable car insurance in Alexandria, compare rates from different companies. Below, we detail the cheapest options for state minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Alexandria
Virginia Farm Bureau offers the cheapest minimum coverage auto insurance at $31 per month, followed by Cincinnati Insurance at $36. Check the breakdown of the cheapest options in the table below.
| Virginia Farm Bureau | $31 | $28 |
| Cincinnati Insurance | $36 | $23 |
| Travelers | $40 | $19 |
| American Family | $41 | $18 |
| GEICO | $50 | $9 |
| Erie | $51 | $8 |
| Mercury | $53 | $6 |
| Auto-Owners Insurance Co | $54 | $5 |
| State Farm | $57 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Alexandria
Virginia Farm Bureau offers the cheapest full coverage car insurance in Alexandria at $70 per month. Below is a list of all available providers and their rates.
| American Family | $88 | $22 |
| Auto-Owners Insurance Co | $101 | $9 |
| Cincinnati Insurance | $75 | $35 |
| Erie | $103 | $7 |
| GEICO | $94 | $15 |
| Nationwide | $87 | $23 |
| Progressive | $105 | $5 |
| Travelers | $78 | $32 |
| Virginia Farm Bureau | $70 | $40 |
Car Insurance Companies in Alexandria
Virginia Farm Bureau offers the cheapest rate at $607 annually. Cincinnati Insurance, with a MoneyGeek score of 90, is the best-rated affordable option at $665. Check the table below for more options to consider in your search.
| Cincinnati Insurance | 90 | $665 |
| Erie | 85 | $926 |
| American Family | 84 | $774 |
| Auto-Owners Insurance Co | 79 | $928 |
| Mercury | 77 | $931 |
| State Farm | 71 | $1,036 |
| Travelers | 67 | $716 |
| Nationwide | 65 | $935 |
| GEICO | 63 | $866 |
| Progressive | 59 | $1,037 |
| Allstate | 54 | $1,293 |
| National General | 42 | $1,514 |
| Kemper | 39 | $1,876 |
| Virginia Farm Bureau | No Data | $607 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Alexandria by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,312 per year for 40-year-olds and $1,340 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,378 | $-1,255 |
| 17 | $3,198 | $-1,074 |
| 18 | $2,676 | $-552 |
| 19 | $2,335 | $-211 |
| 20 | $2,356 | $-232 |
| 21 | $1,918 | $206 |
| 22 | $1,715 | $408 |
| 23 | $1,785 | $339 |
| 24 | $1,681 | $443 |
| 25 | $1,656 | $-321 |
| 40 | $1,319 | $15 |
| 65 | $1,345 | $-10 |
Cheapest Car Insurance for Teens in Alexandria
Nationwide offers the cheapest overall car insurance for teens in Alexandria, with full coverage at $107 per month. This choice saves $135 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $107 | $135 | $226 |
| State Farm | $162 | $80 | $217 |
| Travelers | $165 | $76 | $286 |
| Auto-Owners Insurance Co | $190 | $51 | $221 |
| Allstate | $203 | $39 | $258 |
| GEICO | $220 | $21 | $343 |
| Progressive | $250 | $-9 | $507 |
| Kemper | $634 | $-393 | $766 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Alexandria
Virginia Farm Bureau offers the lowest minimum coverage rate for young drivers at $32 per month, and the most affordable full coverage at $77 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Virginia Farm Bureau | Minimum Coverage | $32 |
| Virginia Farm Bureau | Full Coverage | $77 |
| Virginia Farm Bureau | Bad Credit | $84 |
| Virginia Farm Bureau | Drivers With a DUI | $71 |
| Virginia Farm Bureau | Drivers With An Accident | $72 |
| Virginia Farm Bureau | Drivers With a Speeding Ticket | $82 |
Cheapest Car Insurance Companies for Young Drivers in Alexandria
Virginia Farm Bureau offers the most affordable auto insurance for young drivers at $54 per month. The table below shows other companies with competitive rates.
| Virginia Farm Bureau | $54 | $51 |
| Travelers | $70 | $35 |
| American Family | $84 | $21 |
| GEICO | $89 | $15 |
| Auto-Owners Insurance Co | $96 | $9 |
| Nationwide | $97 | $8 |
| Erie | $100 | $5 |
| Cincinnati Insurance | $103 | $2 |
| Progressive | $103 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Alexandria
Cincinnati Insurance and Virginia Farm Bureau offer the most affordable car insurance options in Alexandria, but prices vary. The table below shows the cheapest providers for different driver and coverage profiles.
| Cincinnati Insurance | Minimum Coverage | $34 |
| Cincinnati Insurance | Full Coverage | $68 |
| Virginia Farm Bureau | Bad Credit | $89 |
| Virginia Farm Bureau | Drivers With a DUI | $75 |
| Cincinnati Insurance | Drivers With An Accident | $70 |
| Cincinnati Insurance | Drivers With a Speeding Ticket | $59 |
Cheapest Car Insurance for Seniors in Alexandria
Cincinnati Insurance offers the cheapest monthly premium for seniors at $51 minimum coverage. Virginia Farm Bureau, the second most affordable, costs $58 per month. The table below shows top car insurance providers for seniors in Alexandria.
| Cincinnati Insurance | $51 | $36 |
| Virginia Farm Bureau | $58 | $29 |
| Travelers | $62 | $24 |
| Mercury | $74 | $12 |
| Nationwide | $75 | $12 |
| Auto-Owners Insurance Co | $78 | $9 |
| Erie | $78 | $8 |
| American Family | $78 | $8 |
| GEICO | $80 | $7 |
| State Farm | $81 | $6 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Alexandria
In Alexandria, high-risk drivers often pay more for car insurance compared to the state average. The average cost for minimum coverage is $1,054, while full coverage is $1,991. Bad credit and DUIs significantly increase insurance costs, whereas accidents and speeding tickets have a smaller impact on rates.
| State Average | $936 | $1,829 |
| Alexandria Average | $1,054 | $1,991 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a speeding ticket, stay on your record for a few years in Alexandria. For serious offenses such as DUI, insurers may consider them longer, often leading to the need to file an SR-22 car insurance or FR-44 insurance to meet state minimum coverage.
Cheapest Auto Insurance Rates With a DUI in Alexandria
Virginia Farm Bureau offers the cheapest minimum coverage for drivers with a DUI at $476 per year. It also provides the most affordable full coverage option at $1,092 annually. Check out the table below to see more options for low-cost coverage.
| Virginia Farm Bureau | $40 | $91 |
| Travelers | $66 | $127 |
| State Farm | $63 | $129 |
| Mercury | $57 | $157 |
| American Family | $85 | $187 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Alexandria
Virginia Farm Bureau, Cincinnati Insurance and Auto-Owners offer the cheapest auto insurance after an at-fault accident in Alexandria. The table below shows various providers offering affordable car insurance coverage for drivers with an at-fault accident record.
| Virginia Farm Bureau | $44 | $94 |
| Auto-Owners Insurance Co | $50 | $94 |
| Cincinnati Insurance | $48 | $102 |
| Travelers | $58 | $117 |
| American Family | $55 | $120 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Alexandria
Cincinnati Insurance is the cheapest car insurance provider for drivers with a speeding ticket in Alexandria, offering state minimum coverage at $42 and full coverage at $87 monthly. Check the table below for how other providers compare in pricing.
| Cincinnati Insurance | $42 | $87 |
| Auto-Owners Insurance Co | $56 | $105 |
| Virginia Farm Bureau | $46 | $107 |
| Travelers | $55 | $111 |
| American Family | $56 | $124 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Alexandria
Virginia Farm Bureau offers the most affordable rates for drivers with bad credit in Alexandria, with minimum coverage at $47 and full coverage at $109 monthly. See the table below for other affordable options.
| Virginia Farm Bureau | $47 | $109 |
| Cincinnati Insurance | $67 | $135 |
| Travelers | $75 | $140 |
| GEICO | $79 | $156 |
| Mercury | $59 | $170 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Alexandria, VA
In the Old Dominion, each city follows statewide mandates for setting car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/Underinsured property damage coverage
If you're in a car accident in Virginia, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Alexandria: Bottom Line
Virginia Farm Bureau has the most affordable car insurance in Virginia, for both minimum and full coverage. Regardless of your age or credit, affordable options are available. Ensure your policy includes Virginia's required bodily injury and property damage liability, plus uninsured motorist coverage. Compare providers to secure budget-friendly coverage that complies with state laws.
Alexandria Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Alexandria.
What is the cheapest car insurance company in Alexandria, VA?
Virginia Farm Bureau offers the most affordable car insurance in Alexandria, with rates starting at just $31 per month.
What is the best car insurance company in Alexandria, VA?
Cincinnati Insurance is the best car insurance company in Alexandria, with a MoneyGeek score of 90 out of 100. The average annual premium for minimum coverage is $665.
How much does car insurance cost on average in Alexandria?
The average monthly cost for state minimum car insurance in Alexandria ranges from $59 to $110.
Best Cheap Car Insurance in Alexandria: Our Methodology
MoneyGeek conducted an analysis of Alexandria auto insurance prices using data from the Virginia Department of Insurance and Financial Services and Quadrant Information Services.
Alexandria Driver Profile
To assess the best and most affordable auto insurance options for Alexandria residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Alexandria
In assessing the car insurance quotes for Alexandria, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Virginia's mandated liability insurance parameters:
The minimum coverage requirements in Virginia are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/Underinsured property damage coverage
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Virginia providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Alexandria
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.