Cheapest Auto Insurance in Newport News, Virginia (2024)

Newport News drivers can find the cheapest car insurance rates from Auto-Owners, with liability-only rates of $41 per month.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated May 23, 2024

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Cheapest recent rates near Newport News, Virginia

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $71/mo for full coverage in Newport News and other Virginia cities.

*Quotes generated for Insurify users in and around Newport News, Virginia within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Newport News, Virginia within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Newport News can expect to pay an overall average of $139 per month for car insurance. The city’s rates are slightly higher than Virginia’s average of $131 and lower than the national average of $160 per month.

Newport News’ location on a peninsula north of Virginia Beach makes it vulnerable to hurricanes, tropical storms, flooding, and flash floods. And as the commonwealth’s fifth-largest city, Newport News’ population density increases the risk of traffic accidents. The factors likely contribute to the city’s higher-than-average cost of car insurance.

Minimum-coverage car insurance averages $104 per month in Newport News. But comparing quotes from multiple insurers could help you find even lower rates.

Quick Facts
  • Auto-Owners, State Farm, and Mercury are the cheapest car insurance companies for Newport News residents.

  • Virginia is an at-fault state for car insurance.

  • Insurers in Virginia can use your credit history when determining your rates.

Cheapest car insurance companies in Newport News

Car insurance premiums vary based on factors like your driving record, coverage needs, and age.

The best car insurance companies in Newport News offer a range of discounts, coverage options, and bundling options, but not all of them will be ideal for your unique needs. By comparing policy prices alongside factors like customer satisfaction ratings, financial strength, and claims processes, you can find the best car insurance company for your specific situation and lifestyle needs.

Here are some companies offering low-cost coverage for Newport News drivers. Insurify based these rates on state-level premium data.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest for
Auto-Owners4.3$69$39Cheap rates
State Farm4.6$71$40Families
USAA4.7$95$54Active military, veterans, and their families
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.3
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.
$41/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.
$74/mo

Virginia residents will be pleased to discover Old Dominion is one of the 26 states in which Auto-Owners writes policies. The century-old insurer has the lowest rates in Newport News and only uses independent agents. Drivers searching for cheap, basic coverage options will find Auto-Owners far below the state average rates.

Pros
  • Cheapest car insurance rates in Newport News

  • Lower-than-average National Association of Insurance Commissioners (NAIC) Complaint Index score

Cons
  • Fewer non-bundling discounts than some competitors

  • Limited range of available optional coverages compared to some competitors

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for families: 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.
4.6
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.
$42/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.
$75/mo

Newport News has an award-winning public school system with tens of thousands of students, so it makes sense that parents consider a State Farm policy for their families.

It has one of the lowest rates for liability-only and full-coverage insurance, rates that drivers can potentially lower with family-focused discounts like the Steer Clear program for drivers younger than 25, Good Student Discount, and Student Away at School Discount.

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

  • Rideshare coverage available

Cons
  • Accident forgiveness not available

  • Doesn’t offer gap insurance

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for active-duty military, veterans, and their families: USAA

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$57/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.
$102/mo

Virginia has 27 military installations, including Fort Eustis in Newport News. USAA is the best option for military members and their families, as it offers affordable premiums and excellent customer service. It regularly scores at the top of the J.D. Power U.S. Auto Insurance Study and has an AM Best financial strength rating of A++ (Superior).

Pros
  • Reliable and affordable

  • Offers investing, banking, and retirement solutions to its members

Cons
  • Only available to active military, veterans, and their families

  • Customer service not available 24/7

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

How to get the cheapest car insurance in Newport News

Various factors influence your car insurance rates, like marital status, location, driving record, gender, and age. Here are a few ways to save money on car insurance in Newport News:

  • Compare quotes. Shop around and compare rates from at least three different car insurance companies before choosing a policy. Every insurer weighs rating factors differently, so you may find cheaper rates for the same coverage from certain companies.

  • Apply for discounts. Insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance policies. You can save on coverage if you bundle your car insurance with homeowners or renters insurance.

  • Keep a clean driving record. Drivers with clean records pay the cheapest premiums. Drive defensively and avoid speeding.

  • Choose a higher deductible. A higher deductible means a lower premium. You’ll want to be sure you can afford it if you need to file a claim.

Find Cheap Car Insurance in Newport News, Virginia

Rates start at $41 per month for liability coverage

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Cheapest liability-only car insurance in Newport News: Auto-Owners

All insurance companies must provide liability car insurance that includes the body injury and property damage coverage required by state law. It’s cheaper than full coverage because it only pays for the damage or injuries you cause another person or property. It doesn’t pay out money to repair your own vehicle or pay for your medical expenses.

Liability-only coverage costs an average of $104 in Newport News. The table below shows the cheapest liability-only coverage in Newport News.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners41
State Farm42
Mercury55
GEICO57
USAA57
Chubb63
Clearcover64
Erie65
Safeco73
Nationwide74
Midvale Home & Auto77
Direct Auto86
State Auto86
Progressive87
Allstate89
Elephant89
National General102
AssuranceAmerica109
GAINSCO109
Dairyland111
Liberty Mutual112
Travelers119
CSAA129
Bristol West141
The General162
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 Newport News: Auto-Owners

The average car insurance rates for full-coverage car insurance will be more expensive than a liability-only policy because it provides a greater range of coverage. Full coverage includes collision and comprehensive coverage in addition to liability, which pays for damages to your car and injured passengers.

Newport News drivers pay a monthly average of $173 for full-coverage car insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners74
State Farm75
GEICO102
USAA102
Clearcover109
Chubb111
Erie116
Mercury117
Safeco119
Midvale Home & Auto128
Nationwide132
State Auto150
Direct Auto154
Allstate159
Elephant159
Progressive168
AssuranceAmerica173
Liberty Mutual181
National General197
CSAA206
Travelers212
GAINSCO255
Bristol West279
Dairyland279
The General305
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

Virginia is an at-fault state, which means that the driver who caused the accident is responsible for paying for the injuries to people or damage to property that they hit. Virginia, like most states, requires that all drivers maintain a minimum amount of liability insurance to cover these injuries and damages.

The table below shows the current minimum liability coverage required for Virginia drivers through Dec. 31, 2024. The Virginia Department of Motor Vehicles mentions that this coverage limit will change for all policies effective on or after Jan. 1, 2025.

The new minimum coverage levels required by state law will be:

  • Bodily liability: $50,000 for injury or death per person and $100,000 for injury or death of two or more people.

  • Property damage: $25,000 per accident.[1]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person
Property damage liability$20,000 per accident

You might also consider additional optional insurance for greater coverage, like:

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

    Collision coverage

    Collision coverage pays for your vehicle’s damage when it collides with an object.

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

    Comprehensive coverage

    Comprehensive coverage pays for your vehicle’s damage from instances other than collisions.

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

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers with zero or insufficient insurance.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and your passenger’s medical and funeral costs incurred from an accident.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Gap insurance pays the difference between your loan balance and insurance settlement if your insurance company totals your vehicle.

Cheapest car insurance for drivers with an incident

Newport News drivers should be aware that causing a fender-bender, getting pulled over in a speed radar zone, and getting a DUI conviction can raise your rates. All these types of moving violations either cause damage or have an increased likelihood of causing damage, so insurers raise rates to account for the increased cost.

Avoid at-fault accidents, speeding tickets, and DUIs to keep your car insurance rates low. The table below highlights the most affordable insurers for drivers with certain incidents on their driving record.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners41535568
State Farm42545670
Mercury55767883
GEICO57747795
USAA57737695
Chubb638285105
Clearcover648391107
Erie658689108
Safeco739695122
Nationwide7496100123
Midvale Home & Auto77103109128
Direct Auto86112118143
State Auto86120127143
Progressive87112119145
Allstate89114119148
Elephant89127118148
National General102145136170
AssuranceAmerica109144147181
GAINSCO109155142181
Dairyland111144149185
Liberty Mutual112159164186
Travelers119155161198
CSAA129171181215
Bristol West141180186235
The General162211222270
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.

Average cost of car insurance by age

Teenagers have high car insurance rates because they’re more likely to get into an accident.[2] Middle-aged adults receive lower rates as they near age 35 due to their driving knowledge and over a decade of valuable experience. Older adults see these low rates increase around age 70 as physical and cognitive issues increase their likelihood of being in an accident.[3]

This table shows how Virginia auto insurance rates vary by age in Newport News.

AgeAverage Monthly Quote
Teens$330
20s$226
30s$164
40s$148
50s$129
60s$120
70s$124
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.

Find Car Insurance in Newport News

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Newport News car insurance quotes by credit tier

Even your credit rating can affect your car insurance rates since the state of Virginia allows insurers to consider credit history when setting premiums. There’s no firm discount set for rates, but you’re more likely to get a good deal with an excellent or good credit score compared to a poor credit score.

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.

Newport News car insurance FAQs

Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Newport News.

  • How much is car insurance in Newport News?

    The average cost of car insurance in Newport News is $139 per month.

    Newport News drivers pay $104 per month for liability coverage and $173 for full-coverage car insurance on average. Your exact car insurance premium will depend on your driving record, age, credit history, and other factors.

  • Which company has the cheapest car insurance in Newport News?

    Auto-Owners has the cheapest liability car insurance in Newport News, at $41 per month. State Farm is the second-cheapest insurer in the city, with a rate of $42. The third-cheapest insurer, Mercury, has a liability-only rate of $55 per month.

    Comparing quotes from multiple car insurance companies is the best way to find the cheapest car insurance for your needs.

  • What are the best car insurance companies in Newport News?

    State Farm is the best car insurance company in Newport News, with a Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and high customer satisfaction ratings. Other top insurers include USAA and Auto-Owners.

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

Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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