2024
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Our Recommended Top 7
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Our goal is to connect people with the best local professionals. We scored Newport News Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Providers
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Featured Provider
License: 137345
Why choose this provider?
Nuzum Insurance Agency Inc. is a family-owned and operated business that extends its services to the Newport News area. The team of professionals is adept at writing policies for personal and commercial lines of insurance. These include auto insurance that covers vehicle damages, injuries, treatments, and legal responsibilities in the event of an accident. The agency was founded on the concept of a family, and it aims to treat all of its clients as such, ensuring that they receive excellent service at all times.
- Multiple Carriers
- Motorcyle & ATV
Why choose this provider?
Goodrich & Watson Insurers, Inc. serves the Newport News metro and its surrounding areas. It has a portfolio of products to offer for individuals and businesses, including car insurance, bonds, and property liability. It also caters to industry-specific coverage offering specialty insurances for the likes of consultants, contractors, and shopping centers. Its team combines years of experience and specializes in distinctive areas to provide an attentive customer experience. It remains an independent agency that offers personalized products and services.
- Boats
License: 112311
Why choose this provider?
Capital Insurance Agency is an independent agency serving clients in the Newport News area. Led by Andrew Boone, the firm provides the insurance needs of the community, securing their vehicles, homes, businesses, and individual life. When an accident occurs, the auto insurance policy may cover the damages, repair costs, or car rental fees, and even insures pets involved in a car accident. As a local insurance agency, the firm also values community involvement.
- Multiple Carriers
License: 620446
Expertise.com Rating
Review Sources
- 5.0
(22)
Why choose this provider?
Nick Anderson operates a State Farm-affiliated insurance agency, founded in January 2012. It serves Newport News and neighboring metros. The agency consists of three licensed and professional account managers that assist people with securing a car insurance policy. Among the coverages of the policy offered includes protection for teen drivers, leased cars, sports cars, as well as access to 24/7 road assistance. Nick Anderson strives for excellence and ranks in the top 2% of all State Farm offices in the country.
- Motorcyle & ATV
License: 109757
Expertise.com Rating
Review Sources
Why choose this provider?
Teagle Insurance Agency, Inc. has been serving the Newport News area since 1972. The family-owned and operated agency covers insurance for cars, homes, life, and health. With multiline access, they are able to offer individualized coverage from multiple insurance carriers catering to different lifestyles. A member of Trusted Choice, they continuously educate and train their agents to ensure a quality experience. They also actively advocate for their local community through Boys & Girls Clubs of America.
- Bundling Option
License: 103542
Why choose this provider?
Commonwealth Insurance Group is a locally owned and operated company that caters to individuals, families, and businesses throughout the Newport News metro. It provides several auto insurance plans that render property, liability, and medical coverage in the case of an accident. Its team also offers a wide selection of policies for homeowners, churches, and commercial establishments such as accounting firms, car dealerships, cleaning and catering businesses, and alarm contractors. Commonwealth Insurance Group has been serving the community since 1974 and works with various carriers like Progressive, Markel, and National General.
- Motorcyle & ATV
License: 151032
Expertise.com Rating
Review Sources
- 3.9
(41)
Why choose this provider?
HP Insurance Center, LTD. is an independent insurance agency servicing the Newport News area since 1980. It partners with 15 different insurance companies to provide a wider range of coverages for individuals, families, and businesses. The firm specializes in homeowners' insurance and auto insurance for personal and commercial vehicles. Its team also assists all types of drivers, regardless of their driving histories. HP Insurance Center focuses on providing convenience to its clients—from quotation and application to the claiming process, which is also available 24/7.
- Bundling Option
Compare our Top Local Car Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Nuzum Insurance Agency Inc - Glen Allen | 11207 Nuckols Road, Newport News, VA23059 | View More | ||
Goodrich & Watson Insurers, Inc. | 11837 Rock Landing Drive, Newport News, VA23606 | View More | ||
Capital Insurance Agency | 3902 Springfield Road, Newport News, VA23060 | View More | ||
Nick Anderson | 8650 Staples Mill Road, Newport News, VA23228-2719 | View More | ||
Teagle Insurance Agency Inc | 11528 Jefferson Avenue, Newport News, VA23601 | View More | ||
Commonwealth Insurance Group | 727 J Clyde Morris Blvd Ste C, Newport News, VA23601 | View More | ||
Towne Insurance | 12515 Warwick Boulevard, Newport News, VA23606 | View More |
FAQs
Introduction
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circ*mstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
What is the average annual cost of car insurance for drivers in Newport News?
The average annual car insurance cost for a driver in Newport News is $1,025. This rate exceeds Virginia's average of $1,005 but falls below the national average of $1,548. Drivers in their 50s have the lowest car insurance rates, with an annual cost of $877. Those in their 60s face a slight increase, paying $919 annually.
Can Newport News drivers switch to another car insurance company before the expiration date of their current policies?
Yes. Newport News motorists have the flexibility to switch insurance providers at their discretion, regardless of the remaining duration of their current policies. They can obtain quotations from multiple insurance firms, whether they intend to relocate to Newport News or want to know if they are receiving the most competitive rates available in their area.
Is uninsured motorist coverage required for all Newport News drivers?
Virginia state law requires Newport News residents to maintain uninsured motorist coverage that matches the protection levels of liability coverage. Motorists must have uninsured motorist bodily injury coverage at $30,000 per individual and $60,000 per accident. They are also obligated to carry uninsured motorist property damage coverage of $20,000 per accident.
Does vehicle theft have an impact on car insurance costs in Newport News?
Yes, vehicle theft affects car insurance rates in Newport News, especially on comprehensive coverage. Increased incidents of motor vehicle theft within a city can lead to an uptick in auto insurance premiums. According to FBI annual statistics, Newport News recorded 340 auto thefts in 2019. This figure is lower than that of the largest cities in Virginia. Consequently, comprehensive insurance might be more affordable in the city than average.
Are monthly insurance premiums higher for vehicles used for business purposes than for personal use in Newport News?
Yes. Residents of Newport News who insure their vehicles for business purposes may see a monthly premium increase of 11% to 12% compared to those who insure their automobiles for personal usage, such as driving to school or work. In Newport News, approximately 2% to 21% of residents commute to work in carpools, and about 76% of individuals drive their own vehicles.
What is car insurance?
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
How does car insurance work?
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
What does car insurance cover?
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Does car insurance cover theft?
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
How does a car insurance deductible work?
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Do you need insurance to register a car?
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Can you get car insurance without a license?
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Do you need car insurance?
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
How much is car insurance a month?
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Why is my car insurance so high?
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
How can I get lower car insurance?
Getting lower-cost car insurance may be possible depending on your personal circ*mstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Do you need insurance to rent a car?
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Does my car insurance cover rental cars?
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Can I insure a car not in my name?
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Can you cancel car insurance at any time?
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circ*mstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
How can I change car insurance?
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
How do you become a car insurance agent?
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
How do car insurance agents get paid?
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
How much do car insurance agents make?
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.
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