Best Cheap Auto Insurance in Arlington, Virginia (2025)

Auto-Owners, State Farm, and Clearcover offer the cheapest car insurance rates in Arlington, where the average cost of a full-coverage policy is $192 per month. By comparison, the Virginia state average for full coverage is $187, and the national average is $192.

The number of Arlington residents relying on public transportation is likely a big factor in the city’s comparatively lower car insurance costs. While the mean commute time for Arlington residents is 28 minutes, a significant number of residents rely on the greater Washington, D.C., metro area’s robust public transportation system for their commutes.

If you live in Arlington, you may be able to get by without owning a car. But if you do have a vehicle, it makes sense to compare quotes from multiple insurers to get the cheapest and best coverage available to you.

Best car insurance companies in Arlington

Your specific auto coverage needs will influence what insurance option works best for you. However, to narrow your coverage options, you should also consider your budget, current rates, and available discounts. Insurers consider your driving record, credit history, marital status, age, past vehicle losses or claims, and more when determining your cost for auto insurance.

Find some of the best options in Arlington based on your driving profile, whether you value cheap rates or need coverage after an accident.

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	$90	$55	Cheap rates
State Farm	9.3	$92	$57	Drivers with an accident
GEICO	9.2	$153	$114	Young drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 cheap rates: Auto-Owners

Cheap rates

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User Reviews	3.9 122 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.	$54/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.	$91/mo

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Driver Reviews

3.9

A solid optionBased on 206 verified guest 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 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 For

Cheap rates

Senior drivers

Ample discounts

Reviews (122)

Timothy

Verified Review

Good Insurance Company

Reviewed in Georgia on July 2025

Check around every year for different rates.

Shontia

Verified Review

Okay Service

Reviewed in North Carolina on July 2025

The service was good until the rate increased without notification.

Thomas

Verified Review

Fair Insurance, One Bad Agent

Reviewed in Michigan on July 2025

I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.

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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.

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

Founded in 1916, Auto-Owners has 48,000 licensed insurance agents selling coverage in 26 states. The company has some of the lowest average auto rates in Arlington by coverage level, driving history, and age. Auto-Owners also offers numerous discounts, including for multi-policy bundling and on-time payments.

Pros

• Some of the cheapest auto rates in Arlington

• Offers gap coverage and roadside assistance

Cons

• Quotes not available online

• Accident forgiveness not included with basic policy

Best insurer for drivers with an accident: State Farm

drivers with an accident

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User Reviews	4.1 6,055 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.	$55/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.	$94/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 11,309 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,055)

Amy

Verified Review

State Farm

Reviewed in North Carolina on July 2025

I like how they cover a lot of needs, but I hate how expensive it is.

Gerald

Verified Review

Keep them confused

Reviewed in Alaska on July 2025

Everyone says they have the best rates for seniors, but they keep shoving more paperwork at you, and it’s very frustrating.

Steve

Verified Review

Too high, too much!

Reviewed in Louisiana on July 2025

Very good company, but their rates keep skyrocketing! Can't afford them.

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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.

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

The largest auto insurer in the country, State Farm sells a number of insurance products, including auto, home, renters, and life insurance. If you’re an Arlington driver with an accident or speeding ticket on your record, State Farm provides less expensive rates than the state average. This insurer also offers several discounts.

Pros

• Vehicle safety discount available for Virginia drivers 

• Several coverage options, including rental car coverage and emergency roadside assistance

Cons

• Gap insurance not available

• Accident forgiveness not available

Best insurer for young drivers: GEICO

young drivers

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User Reviews	4.0 6,437 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.	9.2 /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.	$119/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.	$160/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 12,010 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

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

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

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

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,437)

Jon

Verified Review

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Reviewed in Washington on July 2025

I've had a great experience with them. I initially thought they were a little high, but I've found out that nobody else can come close to their rate.

Richard

Verified Review

Pricing Information

Reviewed in Florida on July 2025

They quoted me one price, but when I called them back, they gave me another, higher price.

Jacq

Verified Review

My policy is expensive and customer service is lacking

Reviewed in New Jersey on July 2025

I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.

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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.

637

NAIC Index

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

0.59

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

Also one of the largest insurance companies in the U.S., GEICO has a reputation for customer satisfaction and offers a wide range of insurance products. GEICO offers teen drivers affordable coverage, and students can earn discounts for having good grades or completing an approved defensive driving course.

Pros

• Personalized coverage options

• Several discounts, including for good students

Cons

• Gap coverage not available

• Accident forgiveness not available

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How to get the cheapest car insurance in Arlington

A variety of factors like your age, driving history, ZIP code, and level of coverage influence how you can find the best rate for your car insurance policy in Arlington. Still, you can take specific steps to help lower your costs:

• Maintain a clean driving record. Try to avoid violations like speeding tickets and at-fault accidents so you can obtain lower car insurance rates.

• Improve your credit score. Car insurers in Virginia may use your credit score to determine risk factors and the likelihood that you’ll file an insurance claim. Having a good credit score can help you earn cheaper rates.

• Ask for a discount. Insurers typically offer several types of discounts, including multi-policy and good driver discounts.

• Shop around. Shop around and compare quotes from at least three different insurers. This will help ensure that you find the best price for your coverage needs.

“Sometimes comparing quotes by shopping around with an insurance agent can be helpful as well, since they work with a range of carriers and can obtain multiple personalized quotes in less time that are tailored to your coverage needs and budget,” says P.J. Miller, vice president of Wallace & Turner, Inc. insurance agency.

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

Liability-only car insurance provides the least amount of coverage, which means it’s usually the cheapest option available to drivers. Liability insurance pays for damages to the other driver’s vehicle, as well as their medical expenses for bodily injury from an accident you cause.

It might make sense to purchase liability-only coverage if you drive an older vehicle and you can afford to pay for repairs out of pocket. This insurance protects the driver you have an accident with, but you may want more coverage depending on your situation.

On average, liability-only coverage costs $123 per month.

Here are some of the cheapest liability-only car insurance rates in Arlington.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$54
State Farm	$55
Clearcover	$61
USAA	$74
Chubb	$81
Progressive	$84
Erie	$84
Mercury	$87
Nationwide	$97
CSAA	$101
Elephant	$105
National General	$109
Direct Auto	$113
Allstate	$115
GEICO	$119
Bristol West	$125
Safeco	$130
GAINSCO	$131
Root	$135
AssuranceAmerica	$149
Dairyland	$150
Travelers	$155
The General	$176
Liberty Mutual	$182

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

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

Full-coverage insurance includes liability, collision, and comprehensive coverage — which extend coverage to your vehicle after an accident or noncollision incident. Your lender may require you to carry full-coverage insurance until you pay off your loan, if you have one.^[2]

You may want full-coverage insurance for added protection if you have a new or expensive car. If you finance or lease your car, your lender or leasing company will also require you to carry full coverage. By paying a little more for your premium, you can protect yourself from paying an expensive repair bill if you ever need to file a claim.

Full-coverage insurance in Arlington averages around $192 per month. Here are some of the cheapest full-coverage car insurance rates in Arlington.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$91
State Farm	$94
Clearcover	$106
USAA	$126
Chubb	$138
Erie	$143
CSAA	$146
Progressive	$147
GEICO	$160
Elephant	$162
Nationwide	$163
Mercury	$177
Safeco	$195
Allstate	$198
National General	$207
Direct Auto	$209
Bristol West	$226
Root	$229
Liberty Mutual	$244
Travelers	$264
AssuranceAmerica	$275
GAINSCO	$285
The General	$338
Dairyland	$359

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

Virginia is increasing its minimum coverage requirements for policies effective on or after Jan. 1, 2025. Below, you can find the current car insurance requirements, along with the requirements that go into effect in 2025.^[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

Depending on your needs and situation, you may also want to consider getting optional insurance coverage, including:

• 

  Uninsured motorist

  If you have an accident with an uninsured driver, this insurance can cover your vehicle damages and medical expenses.

• 

  Collision

  This covers your vehicle damages following an accident, regardless of fault.

• 

  Comprehensive

  When a non-collision incident causes vehicle damage, this kicks in. Comprehensive insurance covers damage from natural disasters, vandalism, fire, and more.

• 

  Roadside assistance

  This coverage often provides access to towing, lockout service, tire change, jump-start, transportation assistance, gas delivery, and winching.

Cheapest car insurance for drivers with an incident

One of the biggest factors affecting your car insurance rates is your driving history. If you have an at-fault accident, speeding ticket, DUI, or another moving violation, your insurance rates will typically increase. The severity and frequency of incidents on your record can also influence how much you pay for coverage. Drivers with clean records tend to pay the lowest rates.

Find Cheap Car Insurance in Arlington

Rates start at $54/mo. for liability-only policies

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

If an officer gives you a ticket for speeding, it typically shows up on your driving record and affects your car insurance rates. On average, drivers with a speeding ticket in Arlington pay $189 per month for coverage.

Here are some average monthly quotes for insurers in Arlington if you have a speeding ticket on your record.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$111
State Farm	$112
USAA	$152
Erie	$179
GEICO	$198
Nationwide	$198
Safeco	$242

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

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

No one plans to have an accident, but the incident can stay on your driving record for three to five years if you’re at fault.^[4] Arlington drivers who have an at-fault accident on their record pay $197 on average per month for insurance.

Here are some average monthly quotes from Arlington insurers for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$113
State Farm	$117
USAA	$158
Erie	$174
GEICO	$189
Nationwide	$206
Safeco	$259

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

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving under the influence of alcohol is a serious offense that can stay on your driving record for several years in Virginia.^[5] In Arlington, rates increase significantly if you have a DUI on your record. Drivers with a DUI pay on average $198 for liability coverage and $309 per month for full coverage.

Here are some of the cheapest car insurance rates for drivers in Arlington with a DUI.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$143
State Farm	$148
USAA	$198
Erie	$225
GEICO	$251
Nationwide	$256
Safeco	$311

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

Cheapest car insurance for seniors: Auto-Owners

Car insurance rates tend to decrease once you turn 25, but they can increase again once you enter your 70s. Insurers find that older drivers can face new driving challenges as they age, which increases risk levels. Many insurers slightly increase insurance rates for senior drivers.^[6]

Maintaining a clean driving record, bundling with renters insurance or home insurance, and securing other discounts can help you keep earning lower rates.^[7] And some insurance companies also provide usage-based coverage that works well for infrequent drivers.

Senior drivers in Arlington can find the cheapest liability coverage from Auto-Owners for $52 per month.

Here are some of the cheapest insurance quotes for seniors in Arlington.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$56
Auto-Owners	$56
USAA	$84
Erie	$84
Nationwide	$93
GEICO	$98
Safeco	$149

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

Cheapest car insurance for teens: Auto-Owners

Teenagers typically pay the highest car insurance rates. Younger drivers have less experience driving and are at higher risk of filing a claim. Drivers often see rates decrease once they turn 25, but you can find ways to save on insurance as a young driver.

Some insurers provide discounts to students for earning good grades or completing an approved driver safety course. Teens can also save by opting to stay on their parents’ insurance plan if it makes sense financially.

Teen drivers can find can find cheap liability-only insurance from Auto-Owners for $107 per month.

Find the cheapest rates for teens in Arlington below.

The below rates are estimated rates current as of: Wednesday, July 16 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$181
State Farm	$192
USAA	$250
Erie	$292
GEICO	$311
Nationwide	$340
Safeco	$429

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

Arlington car insurance quotes by credit tier

Like many other states, Virginia allows insurers to consider your credit history when calculating insurance rates.^[8] Insurers in Arlington can use your credit information to generate a credit-based insurance score that helps them estimate how likely you may be to file an insurance claim.

Having good or excellent credit can help you earn better rates for car insurance. Because insurers consider several other factors in addition to credit, you can still find affordable car insurance if you have bad credit.

Here are the average monthly quotes for Arlington based on your credit score tier.

Is car insurance more expensive in Arlington?

Arlington drivers pay a total average of $158 per month for car insurance, but liability coverage only costs $123 per month. The average cost of full-coverage insurance in Arlington is $192 per month, which is less expensive than the average rate in Virginia of $187 per month.

Virginia drivers can receive different rates, depending on their city and ZIP code. Drivers in larger cities with more traffic may see higher car insurance rates due to population density, more frequent accidents, and higher crime rates. Car insurance consumers in surrounding areas like Washington, D.C., typically pay higher rates due to location risk factors.

More cities in Virginia

Full-coverage car insurance in Arlington is less expensive than some other cities in Virginia. Cities where drivers don't have access to robust public transportation options will likely see higher insurance costs due to the greater number of vehicles on the roads, and increased risk of accidents.

Here’s how the average monthly full-coverage car insurance costs in other Virginia cities compare to Arlington.

City	Full Coverage	Liability Only
Alexandria	$211	$136
Charlottesville	$164	$97
Lynchburg	$171	$100
Newport News	$197	$130
Norfolk	$226	$140
Richmond	$222	$144
Virginia Beach	$186	$121

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Arlington car insurance FAQs