Best Cheap Auto Insurance in Arlington, Virginia (2024)

Auto-Owners has the cheapest car insurance rates in Arlington, with liability-only policies starting at $34 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Shawn Powers
Reviewed byShawn Powers
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Shawn PowersVP of Insurance Sales at Insurify
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  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Updated February 14, 2024 at 7:24 AM PST

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Auto-Owners, State Farm and GEICO offer the cheapest car insurance rates in Arlington, where the average cost of a full-coverage policy is $159 per month. By comparison, the Virginia state average for full coverage is $168 and the national average is $207.

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.

Quick Facts
  • In 2021, a significant portion of non-remote employed Arlington residents primarily used public transportation to commute to work — which may partially account for low average car insurance rates in the city.[1]

  • Virginia state law allows insurers to consider your credit history when determining rates.

  • On average, Arlington residents pay $92 per month for liability-only car insurance.

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.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$34/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.
$57/mo

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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for drivers with an accident: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$35/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.
$58/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$46/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.
$78/mo

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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners34
State Farm35
GEICO46
USAA46
Chubb51
Erie53
Safeco59
Mercury60
Clearcover61
Nationwide61
State Auto66
Midvale Home & Auto69
Allstate73
Liberty Mutual78
Progressive78
Elephant79
AssuranceAmerica91
Dairyland91
Direct Auto91
National General91
GAINSCO95
Travelers98
CSAA121
Bristol West131
The General144
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

Here are some of the cheapest full-coverage car insurance rates in Arlington.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners57
State Farm58
GEICO78
USAA78
Chubb85
Erie89
Clearcover94
Nationwide98
Mercury108
Safeco110
Midvale Home & Auto112
Allstate121
Travelers127
Elephant133
State Auto139
AssuranceAmerica143
Liberty Mutual143
Direct Auto147
Progressive149
National General174
CSAA188
Dairyland198
GAINSCO214
The General248
Bristol West255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Virginia

Most states require drivers to have liability coverage. In Virginia, drivers who don’t meet the minimum coverage requirements for bodily injury and property damage liability face driver’s license and vehicle registration suspension, as well as a $500 reinstatement fine.

However, Virginia drivers can opt out of coverage by paying a $500 uninsured motorist fee up front. Keep in mind, though, that the $500 fee doesn’t absolve you of financial responsibility if you cause an accident that results in property damage or injuries.

Important Information

Effective July 1, 2024, every driver in the Commonwealth of Virginia who wants to register a vehicle or renew a registration will have to buy at least the state's minimum amount of liability insurance. Drivers will no longer be able to opt out of buying insurance by paying an uninsured fee. Learn more.

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 set to go into effect in 2025.[3]

CoverageCurrent RequirementsPolicies Effective On or After Jan. 1, 2025
Bodily injury liability$30,000 per person and $50,000 per accident$50,000 per person and $100,000 per accident
Property damage liability$20,000 per person$25,000 per person

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $34/mo. for liability-only policies

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Cheapest car insurance for drivers with a speeding ticket

If an officer gives you a ticket for speeding, it typically shows up on your driving record and affects your car insurance rates. 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm73
Auto-Owners75
USAA99
GEICO100
Erie123
Nationwide126
Safeco151
State Auto198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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] 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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners77
State Farm77
USAA104
GEICO105
Erie128
Nationwide132
Safeco161
State Auto208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners91
State Farm93
GEICO125
USAA125
Erie127
Nationwide156
Safeco176
State Auto222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does a DUI Stay On Your Record?

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors

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.

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm28
Auto-Owners29
GEICO41
Erie42
USAA43
Nationwide46
Safeco71
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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.

Find the cheapest rates for teens in Arlington below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners95
State Farm99
GEICO122
USAA128
Erie162
Nationwide167
Safeco197
State Auto249
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Find Cheap Car Insurance in Arlington

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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 a good or excellent credit score 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 a bad credit score.

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

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Arlington?

Arlington drivers pay a total average of $125 per month for car insurance, but liability coverage only costs $92 per month. The average cost of full-coverage insurance in Arlington is $159 per month, which is less expensive than the average rate in Virginia of $168 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.

CityFull CoverageLiability Only
Alexandria$169$110
Charlottesville$131$79
Lynchburg$158$85
Newport News$178$107
Norfolk$194$116
Richmond$197$116
Virginia Beach$172$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Arlington car insurance FAQs

If you still have questions about finding affordable coverage in Arlington, the following information should help you navigate the process.

  • How much is car insurance in Arlington?

    On average, Arlington drivers pay $159 per month for full-coverage car insurance. Liability coverage averages $92 per month. Ultimately, your insurance premium depends on your insurer, driving record, credit history, age, and more.

  • What are the best car insurance companies in Arlington?

    With an IQ Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and cheap average rates, State Farm is the best car insurance company in Arlington. Other top insurers offering quality coverage include GEICO, USAA, and Auto-Owners.

  • What company has the cheapest car insurance rates in Arlington?

    Auto-Owners has the cheapest rates in Arlington, Insurify data shows. The company's lowest quote for liability-only coverage is currently around $34.

    Arlington motorists can also find good prices from the city's second- and third-cheapest car insurers, State Farm and GEICO. Their liability rates start at just $35 and $46, respectively.

  • How much car insurance do you need in Virginia?

    Drivers can choose to purchase a minimum amount of coverage in Virginia or opt out and pay a $500 uninsured motorist fee. Virginia drivers who don’t opt out must purchase $30,000 per person and $50,000 per accident in bodily injury liability and $20,000 per person in property damage liability. The limits are set to increase in 2025.

    And, starting July 1, 2024, drivers will no longer be able to pay a fee and opt out of coverage. Every car registered in the state will need to be insured for at least the state's minimum requirement amounts.

  • Is Virginia a no-fault state?

    No. Virginia is an at-fault state. This means the insurer of an at-fault driver must cover the costs of an accident, including vehicle damage and medical expenses of the other driver and their passengers.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Mobility Lab. "Data Tipsheet: 2021 Arlington Resident Travel Survey." Accessed July 10, 2023
  2. National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage." Accessed June 27, 2023
  3. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed June 27, 2023
  4. Virginia Department of Motor Vehicles. "Four Point Violations." Accessed June 27, 2023
  5. Virginia Department of Motor Vehicles. "Six Point Violations." Accessed June 27, 2023
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 27, 2023
  7. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed June 27, 2023
  8. Commonwealth of Virginia State Corporation Commission. "Insurance Credit Scoring." Accessed June 27, 2023
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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