Newport News, VA, Car Insurance

In Newport News, the average cost of full coverage car insurance is $98 per month. Rates can vary, with the cheapest at $100 per month and the most expensive reaching $316. These rates depend on factors like policy, vehicle type and driver's details. To help drivers understand what they might pay, the table below shows average car insurance costs for different driver profiles.

Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.

In Newport News, full coverage car insurance averages $1,178 per year, while state minimum coverage costs $628 annually. These rates are lower than the Virginia averages of $1,217 per year for full coverage and $632 for minimum coverage. Residents can find slightly more affordable insurance options locally.

Even with rising premiums, you can still find affordable car insurance in Newport News. Virginia Farm Bureau offers the cheapest minimum coverage at $30 per month. For full coverage, American Family provides the best rate at $68 per month.

Virginia Farm Bureau often offers the cheapest car insurance, but rates vary for each driver. To find the most affordable option, get quotes from multiple companies. Below is a table showing the cheapest rates for various driver profiles.

To get the best car insurance price in Newport News, compare rates from many companies. Below are the most affordable minimum coverage and full coverage plans.

Virginia Farm Bureau provides the cheapest minimum coverage auto insurance at $30 per month. American Family also offers the minimum coverage at $30 monthly. Check the table below for a detailed breakdown of the cheapest options.

American Family offers the most affordable full coverage car insurance in Newport News at $68 per month. Below is a list of other car insurance providers and their rates.

To find affordable car insurance in Newport News, get quotes from several companies. American Family offers the cheapest rate at $587 annually. Cincinnati Insurance is the top-value choice, with a MoneyGeek score of 88 out of 100. Check the table below for more options to consider.

Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,178 per year for 40-year-olds and $1,202 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Newport News at $95 per month, $120 cheaper than the state average. The table below lists some of the most affordable providers for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Virginia Farm Bureau offers the best minimum coverage rate of $31 per month for young drivers in Newport News. It also provides the most affordable full coverage rate at $76 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Virginia Farm Bureau offers the most affordable auto insurance for young drivers at $53 per month. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Mercury and Nationwide offer some of the cheapest car insurance rates, but costs vary depending on factors like driving history and coverage needs. Below is a table showing the most affordable providers for various driver and coverage profiles.

Virginia Farm Bureau offers the cheapest monthly premium for seniors at $57 for minimum and full coverage. Cincinnati Insurance follows closely, also with a rate of $57 per month. The table below shows the top car insurance providers for seniors in Newport News.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at high-risk driver profiles, Newport News offers lower rates than the state average. For minimum coverage, Newport News drivers pay $934, while the state average is $936. Full coverage costs $1,779 in Newport News, while the state average is $1,829. Those with bad credit and DUIs face the highest rates, while accidents and speeding tickets have a smaller effect on cost.

Virginia Farm Bureau offers the cheapest minimum coverage for drivers with a DUI at $456 per year. It also provides the best rate for full coverage at $1,068 per year. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Auto-Owners, American Family and Virginia Farm Bureau offer the cheapest auto insurance after an at-fault accident in Newport News. The table below shows different providers offering cheap car insurance coverage for drivers with an at-fault accident.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

American Family is the cheapest car insurance provider for drivers with a speeding ticket in Newport News, offering minimum coverage at $43 per month. Auto-Owners has the most affordable full coverage rate at $84 per month. Check the table below to see how other providers charge drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Virginia Farm Bureau offers the most affordable rate for drivers with bad credit in Newport News, at $46 per month for state minimum. Nationwide provides the best rate for full coverage at $101 per month. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Virginia, each city follows statewide mandates for 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

For example, if you're in an accident, your coverage will help pay for injuries and damages up to these amounts. This ensures you meet legal requirements while providing a basic safety net.

Virginia Farm Bureau offers the cheapest car insurance in Newport News at $30 per month for minimum coverage. American Family has the most affordable full coverage at $68 per month. Diverse drivers, from young to seniors, even those with poor credit, can find competitive rates to suit their budgets. Remember, your policy must include Virginia's mandatory coverage: bodily injury, property damage and uninsured motorist protection. Compare providers to secure affordable rates that comply with Virginia's insurance laws.

This FAQ section provides quick answers to common questions about finding affordable and quality car insurance in Newport News.

MoneyGeek conducted an analysis of Newport News auto insurance prices using data from the Virginia Bureau of Insurance and Quadrant Information Services.

Newport News Driver Profile

To assess the best and most affordable auto insurance options for Newport News 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 Newport News

In assessing the car insurance quotes for Newport News, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Virginia's mandated liability insurance parameters:

• $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 Newport News
• 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 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Newport News.