Things to Remember
- Newport News, VA auto insurance rates cost $2,389/yr
- Nationwide, USAA, and Geico have the cheapest auto insurance in Newport News
- Virginia’s auto insurance requirements are 25/50/20
On average, auto insurance in Newport News, VA costs $2,389 per year. Virginia’s annual state average is $31 less than the Newport News average, but the national average is $1,543 more expensive than Newport News, VA.
However, Newport News, VA auto insurance quotes depend on the company and other auto insurance factors.
Our guide explains how you can secure cheap auto insurance in Newport News, Virginia, for every age, credit history, and driving record.
Monthly Newport News, VA Car Insurance Rates by ZIP Code
Check out the monthly Newport News, VA auto insurance rates by ZIP Code below:
Read More: Virginia Auto Insurance
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Newport News, VA Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Newport News, VA stack up against other top metro auto insurance rates? We’ve got your answer below.
Are you ready to compare affordable Newport News, VA auto insurance? Enter your ZIP code above to get started.
Table of Contents
What is the cheapest auto insurance company in Newport News, VA?
The cheapest car insurance company in Newport News, Virginia, is Nationwide.
Which Newport News, VA auto insurance company has the cheapest rates? And how do those rates compare against the average Virginia auto insurance company rates? We’ve got the answers below.
Here are the best auto insurance companies in Newport News, VA, ranked from cheapest to most expensive:
- Nationwide – $1,985
- USAA – $1,994
- Geico – $2,125
- Progressive – $2,408
- State Farm – $2,436
- Allstate – $3,385
Nationwide, Geico, and USAA are the only Newport News auto insurance providers that offer cheaper than average car insurance rates. With the right discounts, you can lower your annual costs.
Remember cost isn’t everything. Allstate in Newport News offers a variety of insurance products to meet your needs. From auto to home insurance, Allstate can provide you with the coverage you need to protect your investments.
Car insurance companies look at many specific factors that determine your car insurance rates, such as age, gender, marital status, driving record, and credit history. One of the most significant of those determining factors is your driving record.
In fact, some auto insurance companies will reward you with up to 40% off for having a clean driving record.
In addition to no traffic violations or accidents, a good credit score can lower your auto insurance rates even more.
Your neighborhood ZIP code is also a factor that determines auto insurance. The cheapest ZIP code in Newport News, Virginia, is 23606, and its average car insurance cost is $2,040 per year.
If you’re a driver under 25 years old, you could face car insurance quotes up to $5,390 per year. On the other hand, senior drivers may have car insurance rates of about $1,372 per year.
Newport News, VA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Newport News auto insurance rates. Find the cheapest Newport News, VA auto insurance rates by coverage level below:
Your credit score will play a major role in your Newport News auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Newport News, VA auto insurance rates by credit score below.
Your driving record will play a major role in your Newport News auto insurance rates. For example, other factors aside, a Newport News, VA DUI may increase your auto insurance rates 40 to 50%. Find the cheapest Newport News, VA auto insurance rates by driving record.
Factors affecting auto insurance rates in Newport News, VA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Newport News, Virginia auto insurance.
These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Virginia does use gender, so check out the average monthly auto insurance rates by age and gender in Newport News, VA.
What are the minimum auto insurance coverage requirements in Newport News, VA?
All Newport News drivers must have the minimum Virginia auto insurance requirements, which are:
- $25,000 for bodily injury liability of one person per accident
- $50,000 for bodily injury liability of multiple people per accident
- $20,000 for property damage liability per accident
Some auto insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in insurance.
Collision and comprehensive coverage can get you additional car insurance coverage for property damage regardless of fault.
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What other factors affect auto insurance rates in Newport News, VA?
Did you know auto insurance companies determine rates by how much you drive? We know this factor as commute mileage, which measures the number of miles driven by a motorist during an insurance policy.
Most drivers in the United States travel around 14,000 miles per year. That’s about 25 minutes on average. However, Newport News drivers have faster commutes.
According to Data USA, it takes the average Newport News driver 23 minutes to get to work. To save money on auto insurance, you can drive less during the policy.
Newport News, VA weather has little effect on car insurance, but drivers should still be cautious during the winter and fall season as storms tend to increase during those seasons.
Does vehicle theft affect Newport News, VA auto insurance?
The short answer is yes. However, vehicle theft only has a significant impact on comprehensive insurance. Higher rates of motor vehicle theft in any city can increase auto insurance costs.
The FBI annual statistics reported that Newport News had 340 auto thefts in 2019, which is much lower than the biggest cities in Virginia.
Therefore, your comprehensive insurance could be cheaper than average.
Newport News, VA Auto Insurance: The Bottom Line
Newport News, VA car insurance rates may be cheaper than most cities in the United States, but it all depends on car insurance factors.
The best way to get affordable auto insurance in Newport News is by comparing the best companies.
Teen and young adult drivers should consider going under a parent or legal guardian’s car insurance policy to avoid massive prices.
You can even receive a discount for safety and anti-theft features on your vehicle.
Before you buy auto insurance in Newport News, Virginia, be sure you’ve checked out rates from multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.
Frequently Asked Questions
What should I do to get affordable auto insurance in Newport News, VA?
To get affordable auto insurance in Newport News, VA, compare quotes, maintain a clean driving record, improve credit score, and inquire about available discounts.
Do age and gender affect auto insurance rates in Newport News, VA?
Yes, age and gender can affect auto insurance rates in Newport News, VA, with young drivers often facing higher premiums.
Can I get discounts on auto insurance in Newport News, VA?
Yes, discounts such as safe driver discounts and multi-policy discounts are available in Newport News, VA.
How does my credit score affect auto insurance rates in Newport News, VA?
In most states, including Virginia, a good credit score can lower auto insurance rates.
Are there any specific factors that affect auto insurance rates in Newport News, VA?
Specific factors that affect auto insurance rates in Newport News, VA include commute mileage, tickets or violations, and DUIs.
How do Newport News, VA car insurance rates compare to other metro areas in the US?
Newport News, VA car insurance rates are $1,543 less expensive than the national average.
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Written by:
Benjamin Carr
Former State Farm Insurance Agent
Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs.Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...
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Written by Benjamin Carr
Former State Farm Insurance Agent
Reviewed by:
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco.To ensure our content is accura...
Full Bio →
Reviewed by Daniel Walker
Licensed Auto Insurance Agent
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