Cheapest Auto Insurance in Alexandria, Virginia (2026)

Alexandria, Virginia, residents pay a monthly average rate of $139 for liability-only coverage and $203 for full coverage, compared to the national averages of $99 and $173 for the same policy types.

Even with so many professionals working for the government in Alexandria and across the Potomac River in Washington, D.C., the average cost of insurance is roughly similar to the country as a whole. Alexandria drivers tend to drive safely, have better credit, and be in their prime years for the best insurance prices — all factors that contribute to low overall rates.

Comparing quotes from multiple car insurance companies could help Alexandria drivers save even more.

3 of the cheapest car insurance companies in Alexandria

Car insurance isn’t a one-size-fits-all service. That’s why many companies offer coverage options based on your family’s needs.

Each company prices its policies differently, so it’s important to spend a few minutes comparing quotes and coverage options. This can save you hundreds or thousands of dollars in the long run. Start your search for coverage with the three insurers below.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Auto-Owners	8.2	$99	$61	Low rates
State Farm	9.3	$101	$62	Coverage options
USAA	9.1	$136	$84	Military members

Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: Auto-Owners

low rates

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User Reviews	4.3 146 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$74/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.3

Best choice in Alexandria, VABased on 309 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 146 Auto-Owners reviews

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

Paul

Verified Review

Auto Owners

Reviewed in Michigan on February 10, 2026

Auto Owners' rates have increased year after year.

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners offers some of the lowest auto insurance rates to Alexandria residents, costing about one-third less than other popular insurers like GEICO. Reviews are mixed on many sites. But the National Association of Insurance Commissioners (NAIC) records a much lower number of complaints than expected for an insurance company of its size.

Auto-Owners sells its policies through independent agents whom you’ll need to contact for a quote. Also, if you’re only stationed in Alexandria temporarily for work and might be re-assigned somewhere else later, keep in mind that Auto-Owners is only available in 26 states across the U.S.

Pros

• Offers many discounts

• A++ (Superior) AM Best financial strength rating

Cons

• Can’t get a quote online

• Doesn’t offer rideshare coverage

Best insurer for coverage options: State Farm

coverage options

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User Reviews	4.0 7,176 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$75/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$122/mo

Show Details

Driver Reviews

4.0

Best choice in Alexandria, VABased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Customer service

Competitive rates

Discounts for safe drivers

Showing 43 Virginia reviews for Alexandria drivers - See all 7,176 State Farm reviews

Holly

Verified Review

Frustrated Customer

Reviewed in Virginia on February 27, 2026

My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.

Richard

Verified Review

When you want to save money

Reviewed in Virginia on February 26, 2026

State Farm is good but has gotten expensive.

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on February 19, 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on February 16, 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on January 9, 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

John

Verified Review

The Good, the Bad, and the Ugly

Reviewed in Virginia on January 5, 2026

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

Robert

Verified Review

5 Stars

Reviewed in Virginia on January 2, 2026

Always the best service and gives me the best discounts. Very excellent. 5 stars.

Patricia

Verified Review

State Farm took personal interest

Reviewed in Virginia on December 25, 2025

Always available and fair.

Keith

Verified Review

No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.

Reviewed in Virginia on December 13, 2025

No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

As the largest U.S. auto insurer by market share, State Farm has a few advantages that could be helpful if you live in Alexandria. State Farm is available nationwide, except for in Massachusetts and Rhode Island, so if you move elsewhere, you don’t have to worry about finding a new auto insurer.

State Farm also offers one of the widest ranges of insurance products, whether you need renters insurance, home insurance, life insurance, or even insurance policies for business owners with a home office. State Farm also offers savings accounts and other more traditional options from a financial institution through its partnership with U.S. Bank.

Pros

• Lots of coverage options

• Offers rideshare coverage

Cons

• More expensive for people with bad credit

• Doesn’t cover custom or aftermarket equipment

Best insurer for military members: USAA

military members

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User Reviews	4.9 1,477 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$101/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$164/mo

Show Details

Driver Reviews

4.9

Best choice in Alexandria, VABased on 3,128 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Alexandria for

Members of the military community

Outstanding customer service

Competitive rates

Showing 7 Virginia reviews for Alexandria drivers - See all 1,477 USAA reviews

Robert

Verified Review

Submitted a vehicle vandalism claim and received superior customer support

Reviewed in Virginia on November 27, 2025

Great insurance company that makes the claims process easy.

Illya

Verified Review

Where does the money go?

Reviewed in Virginia on July 23, 2025

Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.

Benjamin

Verified Review

No Discounts

Reviewed in Virginia on April 17, 2025

I was told I couldn't get a discount because I didn't drive my car enough.

Sean

Verified Review

Disappointed Once Loyal USAA Customer

Reviewed in Virginia on April 11, 2025

I used to be a huge fan of USAA and saw all their products as nearly infallible. However, in the last few years, my experience with them has soured significantly. The constant increases to my policy cost with very poor justification has become incredibly frustrating. Especially as they've said they intend to charge me a fee unless I opt for paperless statements and automatic payments. This feels like a veiled threat, which I do not appreciate, especially after years of loyalty to them. It's one of the reasons I'm switching. USAA has deeply disappointed me and it will take a lot for me to consider them ever again.

Jd

Verified Review

USAA Declining

Reviewed in Virginia on April 11, 2025

They were outstanding for the first 30 years. However, they have significantly declined in the last 10 years.

Krystina

Verified Review

Leaving After Over 20 Years

Reviewed in Virginia on April 10, 2025

The discount isn't as significant as you might think!

Patrick

Verified Review

No One Better to Serve Military Members for Insurance

Reviewed in Virginia on April 10, 2025

I have no complaints.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

More Alexandria residents work for the Department of Defense than any other single employer.^[1]If that’s you, then consider USAA, another full-service financial institution catering to military members, veterans, and their families.

USAA offers many coverage options for individuals and families, such as hefty discounts if you store your car while you’re deployed or otherwise away, and permanent discounts if you have a family history of being policyholders.

Pros

• Excellent customer service

• Extra products and discounts for families

Cons

• Doesn’t offer gap insurance

• No nearby brick-and-mortar offices

How to get the cheapest car insurance in Alexandria

Insurance agencies consider many different factors when calculating the cost of car insurance. Your address — even among different areas of Alexandria — can have a big effect on your monthly rates because your risk of vandalism, vehicle theft, accidents, and other claims changes in different areas.

Your credit score, vehicle details, and even your education level can also affect the rates that companies may quote you. Finding the best rate doesn’t have to be complicated, though. Here are some tips to help you:^[2]

• Shop around. Get an insurance quote from at least three companies to help you find the lowest price.

• Ask about discounts. Look for companies offering special rates or catering to employees of military and other government organizations.

• Find an agent. Consider working with an experienced agent or broker to help you find the best option among different companies if you have specific insurance needs.

• Drive safely. A clean driving record will help you save on insurance coverage.

Find Cheap Car Insurance in Alexandria, Virginia

Liability-only rates start at $74 per month

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Cheapest liability-only car insurance in Alexandria: Auto-Owners

Alexandria drivers pay an average of $139 per month for minimum coverage, according to Insurify data. This type of policy doesn’t cover you or your personal belongings at all, only offering a limited amount of liability coverage if you injure someone else or their property while driving.

Here’s how much the top companies in Alexandria are charging for liability coverage:

The below rates in Alexandria, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$74
State Farm	$75
USAA	$101
Mercury	$102
Elephant	$109
Chubb	$111
CSAA	$116
Erie	$116
National General	$128
Bristol West	$129
Nationwide	$131
Progressive	$133
GEICO	$134
Direct Auto	$140
Safeco	$151
GAINSCO	$151
Allstate	$158
Dairyland	$168
Root	$168
Liberty Mutual	$192
AssuranceAmerica	$194
The General	$200
Clearcover	$204
Travelers	$212

Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Alexandria: Auto-Owners

A full-coverage policy in Alexandria costs an average of $203 per month. Full coverage adds on collision and comprehensive to protect your car in case of an at-fault accident and other hazards like weather and theft.

Insurers offering full-coverage policies to Alexandria customers charge the following average rates:

The below rates in Alexandria, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Auto-Owners	$119
State Farm	$122
Progressive	$162
USAA	$164
Elephant	$166
CSAA	$178
Chubb	$180
Erie	$187
Mercury	$198
GEICO	$200
Nationwide	$213
Safeco	$223
Bristol West	$231
Direct Auto	$234
National General	$235
Liberty Mutual	$252
Allstate	$257
Root	$263
GAINSCO	$307
Travelers	$344
AssuranceAmerica	$345
Clearcover	$350
The General	$374
Dairyland	$416

Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Virginia

Virginia, like most other states, requires drivers to have a minimum amount of coverage.

The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:^[3]

Coverage Type	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$30,000 per person / $60,000 per accident	$50,000 per person / $100,000 per accident
Property damage liability	$20,000 per accident	$25,000 per accident

Moving upward in protection, a full-coverage policy adds on comprehensive and collision coverages. Depending on your individual needs, you might consider other insurance coverage options, such as the following:

• 

  Personal injury protection or medical payments coverage

  PIP coverage and MedPay coverage offer financial protection for you and your own passengers in the event of an accident.

• 

  Gap coverage

  Gap insurance reimburses you for any difference between your insurance payout and the remaining balance on your auto loan if your vehicle is totaled.

• 

  Roadside assistance coverage

  Roadside assistance coverage helps pay for short-term emergency expenses in getting you back on the road, such as flat tires, tows, and more.

Cheapest car insurance for drivers with an incident

Alexandria has a lower rate of traffic-related deaths compared to surrounding areas.^[4] Even so, you can expect your insurance payments to ramp up significantly if you have an at-fault accident, a speeding ticket, or a conviction for driving under the influence on your record. These violations indicate that you’re a higher-risk driver.

Here’s how much you can expect to pay for liability coverage if you live in Alexandria and have certain traffic infractions on your driving record:

The below rates in Alexandria, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Auto-Owners	$74	$97	$96	$101
State Farm	$75	$95	$98	$102
USAA	$101	$131	$133	$138
Mercury	$102	$142	$152	$146
Elephant	$109	$130	$140	$149
Chubb	$111	$141	$145	$152
CSAA	$116	$147	$167	$158
Erie	$116	$153	$151	$159
National General	$128	$159	$167	$175
Bristol West	$129	$162	$167	$176
Nationwide	$131	$170	$173	$179
Progressive	$133	$167	$171	$168
GEICO	$134	$175	$171	$182
Direct Auto	$140	$175	$188	$191
Safeco	$151	$199	$208	$221
GAINSCO	$151	$180	$190	$206
Allstate	$158	$206	$208	$216
Dairyland	$168	$209	$218	$229
Root	$168	$224	$221	$232
Liberty Mutual	$192	$245	$252	$262
AssuranceAmerica	$194	$247	$254	$265
The General	$200	$268	$271	$273
Clearcover	$204	$265	$293	$278
Travelers	$212	$275	$281	$289

Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

People living in Alexandria tend to be in the prime of their life, at least when it comes to insurance rates. The area as a whole has about 4% fewer people younger than 18 and 5% fewer adults older than 65 compared to the rest of the United States.^[5]

This is important because your car insurance rates tend to be highest in your teens, gradually decreasing until your mid-30s where they plateau until they start increasing again in your early 70s. ^{[6] [7]} This reflects your riskiness as a driver; teens and senior drivers are statistically more likely to get in accidents.

Here’s how much Alexandria drivers of different ages typically pay for coverage:

Age	Average Monthly Quote
Teens	$299
20s	$206
30s	$152
40s	$139
50s	$124
60s	$116
70s	$119

Disclaimer: Table data is based on real-time Alexandria quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Alexandria car insurance quotes by credit tier

Insurance companies use your credit history as another predictor of your risk, a practice banned in some states but not in Virginia.^[8] If you have a good credit score, you can expect to pay a lot less for car insurance than if you have poor credit.

Here’s how much Alexandria drivers with different credit profiles pay for full-coverage insurance:

Alexandria car insurance FAQs