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 $40 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
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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 October 8, 2024

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Cheapest recent rates near Newport News, Virginia

Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $68/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 October 8, 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 October 8, 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 October 8, 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 October 8, 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 $140 per month for car insurance. The city’s rates are slightly higher than Virginia’s average of $138 and lower than the national average of $158 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 GEICO 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 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-Owners8.5$66$36Cheap rates
State Farm9.3$68$37Families
USAA9.4$91$49Active 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 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.8
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.
8.5/10
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.
$40/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.
$76/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 more driver reviews of Auto-Owners
Mary - September 30, 2024
Verified

Premium Too High

I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.

Charles - September 28, 2024
Verified

Auto Owners Insurance

This is a good company. However, their rates have become too expensive.

Eddie - September 23, 2024
Verified

Agency is Great

They're great, except the rates have skyrocketed lately.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$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.
$77/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 more driver reviews of State Farm
Pam - October 7, 2024
Verified

State Farm's High Rates for Seniors

For my vehicle, which is a 2004 model, and considering my age (70), plus my accident-free record and lack of tickets, there are no benefits for seniors. State Farm's rates are ridiculously high. I also have my home insurance with them. It was difficult to get information when I added two riders; I had to jump through hoops.

Enes - October 7, 2024
Verified

Too High Rate

The rate is too high.

Charles - October 7, 2024
Verified

Very Satisfied

I am very satisfied so far.

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

Compare personalized, real-time quotes
User Reviews
3.7
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.
9.4/10
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.
$56/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.
$104/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 more driver reviews of USAA
Kathleen - October 7, 2024
Verified

Ford Escape S - An Amazing Invention

They never activated my policy when I bought my new SUV.

Vivian - October 7, 2024
Verified

Be Aware, It Could Get Costly

I've been with USAA for a while and they were great in the beginning. However, after experiencing some misfortunes, including a few accidents - one of which was my fault, my insurance rates skyrocketed. I can no longer afford them, which is why I'm currently shopping for another insurance company.

Elridge - October 7, 2024
Verified

Avoid Banking

The company is excellent for insurance, particularly home insurance. However, be very cautious with their banking services!

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 $40 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$40
State Farm$41
GEICO$56
USAA$56
Mercury$58
Chubb$61
Clearcover$63
Erie$63
Nationwide$73
Midvale Home & Auto$74
Safeco$81
Direct Auto$85
Progressive$86
Allstate$87
Elephant$89
State Auto$93
National General$101
GAINSCO$109
AssuranceAmerica$111
Dairyland$113
Travelers$117
CSAA$125
Liberty Mutual$134
Bristol West$138
The General$163
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 $176 for full-coverage car insurance.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$76
State Farm$77
GEICO$104
USAA$104
Clearcover$111
Chubb$114
Erie$119
Mercury$126
Midvale Home & Auto$126
Safeco$126
Nationwide$135
Direct Auto$149
State Auto$152
Elephant$161
Allstate$162
Progressive$165
AssuranceAmerica$182
National General$197
CSAA$199
Travelers$217
Liberty Mutual$220
GAINSCO$258
Bristol West$272
Dairyland$276
The General$314
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 recent rates near Newport News, Virginia

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/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 October 8, 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 October 8, 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 October 8, 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 October 8, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

Coverage
Minimum 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Auto-Owners$40$51$53$65
State Farm$41$52$54$67
GEICO$56$71$75$91
USAA$56$71$74$91
Mercury$58$79$82$86
Chubb$61$79$82$99
Clearcover$63$82$90$102
Erie$63$82$86$102
Nationwide$73$94$98$119
Safeco$81$105$105$132
Direct Auto$85$108$115$138
Progressive$86$110$116$140
Allstate$87$111$116$141
Elephant$89$123$116$145
State Auto$93$129$136$151
National General$101$129$135$164
GAINSCO$109$151$139$177
AssuranceAmerica$111$143$147$180
Dairyland$113$145$149$184
Travelers$117$150$157$190
CSAA$125$163$173$203
Liberty Mutual$134$185$191$218
Bristol West$138$176$182$224
The General$163$211$220$265
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.

Age
Average 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 $140 per month.

    Newport News drivers pay $104 per month for liability coverage and $176 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 $40 per month. State Farm is the second-cheapest insurer in the city, with a rate of $41. The third-cheapest insurer, GEICO, has a liability-only rate of $56 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.

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