4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Arlington, VA (June 2022)
Secure. Free. Easy-to-use.
Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Stephen DeFord
Last Updated February 4, 2022
Why you can trust Insurify
Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Just across the river from Washington, D.C., Arlington is home to some of our nation’s most unforgettable national landmarks and memorials—don’t miss stopping here if your travels take you nearby.
If you drive in Arlington, there’s another thing you shouldn’t miss out on—shopping for cheaper auto insurance coverage.
Car Insurance in Arlington, VA
The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Arlington, VA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Arlington is $166 per month, or $1992 annually.
- Car insurance in Arlington is $11 less than the average cost of car insurance in Virginia.
- The cheapest car insurance provider in Arlington on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$56
Allstate$60
State Farm$61
GEICO$81
Nationwide$113
Cheapest Car Insurance in Arlington, VA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Arlington | Quotes |
|---|---|
| Progressive | $56 /mo |
| Allstate | $60 /mo |
| State Farm | $61 /mo |
| GEICO | $81 /mo |
| Nationwide | $113 /mo |
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Best Car Insurance in Arlington, VA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Arlington. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Nationwide | 89 | $132 /mo |
| American Family | 89 | $151 /mo |
| Safeco | 86 | $141 /mo |
| Liberty Mutual | 82 | $174 /mo |
| Mercury | 81 | $192 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Virginia Cities | |
|---|---|
| Virginia Beach | $114/mo |
| Norfolk | $134/mo |
| Chesapeake | $150/mo |
| Richmond | $124/mo |
| Arlington | $125/mo |
| Virginia | $129/mo |
Virginia Beach$114
Richmond$124
Arlington$125
Average for VA$129
Norfolk$134
Chesapeake$150
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Virginia
Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.
If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:
- $30,000 per person for bodily injury
- $60,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $20,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Arlington Car Insurance Rates by Driver Age
Arlington teens with a part-time job should have a little extra spending money left after paying $352 per month for car insurance. The rates go down as the number of years behind the wheel increases. Twentysomethings see a $130 price cut compared to the youngest drivers. The rates slide down below the state average of $207 for everyone but those in their 60s. People in their 70s do the best and pay $200 less than teens, a yearly savings over $2,000.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $353 |
| 20s | $213 |
| 30s | $173 |
| 40s | $152 |
| 50s | $226 |
| 60s | $154 |
| 70s | $145 |
| 80s | $189 |
Arlington Car Insurance Rates by Driving and Accident History
Virginians know that safe driving pays dividends in more ways than one. Besides the peace of mind while on the roads, insurance companies add “good driver” and “accident-free” discounts to bolster the pockets of those with clean records. But one failure to obey a red light or stop sign could have drivers paying $90 more per month, and a speeding ticket kicks up the cost by $24. It’s not all sad news for drivers with less-than-perfect driving records. After three years of clean driving, violations and accidents stop affecting insurance premiums.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $176 |
| Speeding Ticket | $199 |
| At-Fault Accident | $238 |
| Failure to Stop for Red Light / Stop Sign | $270 |
Arlington Car Insurance Rates by Credit Tier
Like most states, the Old Dominion’s law says insurance companies can use credit to set rates. Although people might miss the connection between credit and driving ability, insurance companies claim their data says otherwise. As credit gets better, drivers pay less in Arlington. A move from poor credit to excellent saves over $50 per month and even a move from poor credit to average credit cuts off $18 per month, a more than $200 per year break.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $179 |
| Good | $192 |
| Average | $218 |
| Poor | $236 |
See More: Bad Credit Car Insurance Virginia
Find local Arlington agents
CMR Ins Agcy
1400 N 14th St unit 3,
Arlington, VA 22209-1412My VA Ins LLC
2200 Wilson Blvd 102-34,
Arlington, VA 22201Matrix
2711 Jefferson Davis Highway,
Arlington, VA 22202YOUR Insurance Brokerage
944 S Wakefield St #100,
Arlington, VA 22204CMR Insurance Agency LLC
1400 14th St N suite 3 floor 12,
Arlington, VA 22209Cheap Car Insurance
927 N Kansas St,
Arlington, VA 22201Tsige Paulo: Allstate Insurance
3401 Columbia Pike Ste 400,
Arlington, VA 22204Alex Nguyen - State Farm Insurance Agent
4600 S Four Mile Run Dr STE C3,
Arlington, VA 22204Discount Auto Insurance
3245 Wilson Blvd,
Arlington, VA 22201Johno Steffen - State Farm Insurance Agent
2649 N Pershing Dr ste a,
Arlington, VA 22201
Arlington, VA DMV Information
In Arlington and have a DMV errand? The Virginia Department of Motor Vehicles is your go-to place for all things vehicle- and licensing-related. While you can visit any location in the state, the most central location for Arlington is Arlington DMV Metro at Virginia Square. Office hours are Monday through Friday 8 a.m. to 6 p.m. and Saturday 8 a.m. to 12 p.m. Don’t want to leave the comfort of home? Online services are also offered. The DMV also has mobile locations and select partners standing by to administer many DMV transactions.
Public Transportation in Arlington, VA
ART, Arlington Transit, operates within Arlington County, Virginia, supplementing Metrobus with cross-county routes as well as neighborhood connections to Metrorail and Virginia Railway Express. Want to travel some other way than by bus or rail? Traditional taxi services operate in Arlington too, as well as on-demand rideshare services Uber and Lyft. Capital Bikeshare also offers explorers two-wheeled rides around the D.C. Metro area.
How to get the best and cheapest car insurance in Arlington, VA
Skipping out on auto insurance leaves you and your family financially unprotected. One in 10 auto owners in this state drive uninsured. This means they are potentially one driving mistake away from drowning in debt.
Want to correct that quickly? Insurify is the easiest way to take action, get cheap rates, and get the coverage you are looking for.
FAQs - Arlington, VA Car Insurance
Don’t worry too much about making sure you have the minimum required by state law, as the insurance companies are in the know and will do that work for you. A minimum liability policy may be right for you if that’s all you can afford, but there are optional coverages you’ll want to at least consider, as minimum liability policies only protect the other driver. A lot goes into calculating your car insurance rate in Virginia. You can’t necessarily control some things, like your age, gender, or marital status. Insurance companies do use ZIP codes as part of the calculation. Your ZIP code tells them how much of a claims risk you might be based on crime rates and accident statistics where you live. You can keep your rates low by driving safely, comparison shopping for a less expensive policy, and even changing your deductible. No. Even though the word itself tends to mean “full” or “complete,” in the insurance industry, it has a much more particular meaning. Comprehensive coverage covers things that might happen to your car outside of a collision—fires and floods included. Many times, these types of often costly events are also known as “acts of God.” Other types of coverage that you may buy depending on the state in which you live and personal preferences include bodily injury (BI) and property damage (PD) liability coverage, personal injury protection (PIP), collision coverage, and uninsured/underinsured motorist (UM/UIM) coverage.
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Arlington Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Arlington, Virginia below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Arlington drivers measure up to their fellow motorists across Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Camry
Most Popular Car in Arlington
#32
City with the Most Speeding Tickets Rank in Virginia
#56
City with the Most Moving Violations Rank in Virginia
#39
City with the Most DUIs Rank in Virginia
#38
City with the Most Suspended Licenses in Virginia
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Arlington drivers rank 18 in the number of car accidents per driver across all cities in Virginia.
- Rank within state: #18
- Percent of drivers in Arlington with an accident: 12.01%
- Drivers in Arlington, VA with an accident in their driving history pay on average 33.33% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Arlington drivers rank 32 in the number of speeding infractions per driver.
- Rank within state: #32
- Percent of drivers in Arlington with a speeding ticket: 13.68%
- Drivers in Arlington, VA with a speeding ticket in their driving history pay on average 19.05% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arlington drivers rank 39 in the number of DUI’s per driver across all cities in Virginia.
- Rank within state: #39
- Percent of drivers in Arlington with a DUI: 1.43%
- Drivers in Arlington, VA with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Arlington is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Arlington drivers rank 23 in rude driving infractions.
- Rank within state: #23
- Percent of drivers in Arlington with a reckless driving violation: 2.78%
- Drivers in Arlington, VA with a reckless driving violation in their driving history pay on average 19.05% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Arlington drivers rank 5 in clean driving records across all cities in Virginia.
- Rank within state: #5
- Percent of drivers in Arlington with clean record: 76.77%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arlington drivers rank 26 in failure to yield violations per driver across all cities in Virginia.
- Rank within state: #26
- Percent of drivers in Arlington with a failure to yield violation: 0.32%
- Drivers in Arlington, VA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Arlington drivers rank 22 in the number of reckless driving offenses per driver.
- Rank within state: #22
- Percent of drivers in Arlington with a reckless driving offense: 0.24%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Arlington drivers rank 3 in hybrid and electric vehicle ownership across all cities in Virginia.
- Rank within state: #3
- Percent of drivers in Arlington with a hybrid/electric vehicle: 3.86%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022