Cheapest Auto Insurance in Woodbridge, Virginia (2024)
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $41 per month.
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Written byLindsay Frankel
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Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
Residents in Woodbridge, Virginia — a suburb of Washington, D.C. — have an average commute to work of 37 minutes, according to the U.S. Census Bureau.[1] The average monthly cost of liability car insurance in Woodbridge is $124. For comparison, liability coverage costs $101 per month in Virginia and $104 in the U.S., on average.
The city’s urban location, relatively high population density, and significant number of D.C.-bound commuters likely contribute to its higher car insurance rates. Comparing quotes from multiple companies can help you find lower rates.
Here’s what you need to know to find an insurance policy in Woodbridge that meets your needs and fits your budget.
Quick Facts
Auto-Owners, State Farm, and GEICO have the cheapest liability insurance rates in Woodbridge.
The average cost of full-coverage insurance is $218 per month in Woodbridge, $184 in Virginia, and $204 in the U.S.
Virginia’s mandatory liability limits will increase to 50/100/25 on Jan. 1, 2025.[2]
3 of the cheapest car insurance companies in Woodbridge
While the right company for you will depend on your unique needs and driver profile, you can start by evaluating the insurance companies that offer the cheapest average monthly quotes.
Here are three of the best options for cheap auto coverage in Woodbridge. The quotes provided below reflect statewide average costs in Virginia.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $62 | $34 | Cheap rates |
| State Farm | 9.3 | $64 | $35 | Customer satisfaction |
| GEICO | 9.0 | $86 | $47 | Discounts |
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
| User Reviews | 4.0 |
|---|---|
| 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. | $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. | $76/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers cheap average premiums and a variety of coverage options beyond full-coverage insurance. The company also offers several discounts, including robust savings for teen drivers. Auto-Owners boasts an A++ financial strength grade from AM Best and has fewer complaints with the National Association of Insurance Commissioners (NAIC) than average for its size.
Pros
A++ financial strength rating from AM Best
Few complaints with the NAIC
Cons
No telematics discount in Virginia
Doesn’t offer rideshare coverage
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.2 |
|---|---|
| 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 |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers cheap car insurance premiums for many driver profiles, and the company is a leader in the car insurance industry. State Farm is ranked third for auto insurance in the Mid-Atlantic region by J.D. Power and has fewer complaints with the NAIC than expected given its size.[3]
The company offers a variety of Virginia car insurance discounts, including two telematics programs.
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers a wide variety of discounts, including a multi-vehicle discount of up to 25%, multiple military discounts, and driver training discounts. In addition to standard coverage options, the insurer offers roadside assistance, rental car reimbursement, and mechanical breakdown insurance. The company has an A++ financial strength rating from AM Best.
Pros
Offers a wide array of discounts
A++ financial strength rating from AM Best
Cons
Below-average J.D. Power ranking for the Mid-Atlantic region[3]
Few optional insurance coverages
How to get the cheapest car insurance in Woodbridge
While you can’t change your age or wipe your driving record clean, here are a few ways you can reduce your car insurance premiums in Woodbridge:
Compare quotes. Some companies charge more than others in Woodbridge, so it’s a good idea to compare quotes. You can collect quotes from each insurer’s website, contact a broker or independent insurance agency, or use an insurance-comparison platform to save time.
Choose a higher deductible. Your deductible is your share of the financial responsibility for an accident. A higher deductible means lower monthly premiums. Just make sure you have a plan to pay your deductible in the event of a claim.
Ask about discounts. You may be eligible for discounts, including safe driver and driver education discounts, which can significantly reduce your premium. You can also save by bundling your auto insurance with homeowners insurance at some companies. Ask your agent for details.
Improve your credit. Pay your bills on time and pay down debt to increase your credit score, and insurers may reward you with cheaper car insurance quotes.
Opt for minimum coverage. If you have an old or inexpensive car, consider forgoing full-coverage insurance on that vehicle.
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Learn More: The Insurify Guide to Car Insurance Discounts
Cheapest liability-only car insurance in Woodbridge: Auto-Owners
Liability insurance covers other parties’ medical bills and property damage in an accident you cause. In most cases, experts recommend full-coverage insurance, but according to Tish Faulkner, eastern region sales development director at Mercury Insurance, “A liability-only policy may be appropriate for drivers with older vehicles since the cost to repair or replace an older vehicle may be less expensive.”
Liability-only insurance is significantly cheaper than full-coverage auto insurance. On average, Woodbridge drivers pay $124 per month for liability insurance. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $41 |
| State Farm | $41 |
| GEICO | $55 |
| USAA | $55 |
| Chubb | $61 |
| Erie | $64 |
| Clearcover | $70 |
| Nationwide | $72 |
| Mercury | $75 |
| Allstate | $87 |
| Progressive | $96 |
| Direct Auto | $107 |
| Elephant | $110 |
| National General | $114 |
| Travelers | $117 |
| CSAA | $129 |
| GAINSCO | $131 |
| Safeco | $138 |
| Dairyland | $147 |
| Bristol West | $151 |
| AssuranceAmerica | $161 |
| Liberty Mutual | $185 |
| The General | $193 |
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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Liability quotes start at $41 per month
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Cheapest full-coverage car insurance in Woodbridge: Auto-Owners
Full-coverage insurance includes collision coverage, which pays for physical damage to your vehicle after you cause a crash, and comprehensive coverage, which pays for damage from non-collision events, like fire and theft.
“[It’s] usually recommended for newer or more expensive vehicles since the cost to repair or replace them can be significant,” says Faulkner. “Those with a vehicle on loan or leased may also have to pay [for] full coverage since the lender will want the car protected in case of an accident.”
The average cost of full-coverage insurance in Woodbridge is $218 per month. Some auto insurance companies offer cheaper quotes for full-coverage insurance than others. Here are the companies in Woodbridge that offer the cheapest average quotes for full-coverage auto insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $76 |
| State Farm | $77 |
| GEICO | $104 |
| USAA | $104 |
| Chubb | $113 |
| Erie | $118 |
| Clearcover | $128 |
| Nationwide | $135 |
| Allstate | $161 |
| Mercury | $163 |
| Progressive | $177 |
| Elephant | $188 |
| CSAA | $196 |
| Direct Auto | $207 |
| Travelers | $217 |
| National General | $222 |
| Safeco | $224 |
| Bristol West | $284 |
| Liberty Mutual | $287 |
| GAINSCO | $297 |
| AssuranceAmerica | $307 |
| Dairyland | $338 |
| The General | $387 |
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 Woodbridge, Virginia
Recent Woodbridge, Virginia car insurance prices for Ford, Nissan, KIA , and more.
*Quotes generated for Insurify users in and around Woodbridge, Virginia within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Woodbridge, Virginia within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia is a tort state rather than a no-fault state, which means you’re liable for the other party’s losses when you cause an accident. If you don’t have sufficient liability insurance, the other driver in an accident can sue you for any additional damages. Virginia’s minimum car insurance requirements are relatively robust, but you may still want to consider higher limits.
Below are the coverages and limits Virginia law requires. Note that the limits will increase from 30/60/20 to 50/100/25 for policies effective Jan. 1, 2025.
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$20,000 per accident
Uninsured/underinsured motorist coverage
Equal to bodily injury and property damage liability limits
You may also consider additional coverages for extra protection, including:
Collision coverage
Collision insurance covers damage to your vehicle after an at-fault accident.
Comprehensive coverage
Comprehensive insurance covers damage to your car after a non-collision event, like a natural disaster, falling objects, theft, or vandalism.
Personal injury protection (PIP) or medical payments (MedPay) coverage
MedPay covers medical bills for you and your passengers, while PIP also covers lost wages and other expenses.
Gap insurance
Gap insurance helps pay the difference between what your car is worth and what you have left on your auto loan if your car is a total loss after damage.
Cheapest car insurance for drivers with an incident
“Your driving record is one of the biggest factors in calculating your premium and is actually one of the rating factors you can control,” says Faulkner. Speeding tickets and at-fault accidents can both raise your premiums, and driving under the influence is a particularly serious offense that nearly doubles premiums on average in Woodbridge.
“Driving attentively, avoiding accidents, and remaining ticket-free is the best way to keep your insurance costs as low as possible,” Faulkner advises. It’s also important to compare quotes since some auto insurance companies are more lenient toward drivers with incidents on their record than others.
On average, Woodbridge drivers with a past driving incident on their records pay $157 per month for liability insurance and $275 for full coverage.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In Woodbridge, a speeding ticket increases your car insurance premium. Drivers in the city with a past speeding ticket pay $167 per month for liability insurance.
Some car insurance companies offer affordable premiums to drivers with speeding tickets. If you have a speeding ticket, consider the cheapest companies available in Woodbridge.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $53 |
| State Farm | $41 | $52 |
| GEICO | $55 | $70 |
| USAA | $55 | $70 |
| Chubb | $61 | $79 |
| Erie | $64 | $83 |
| Clearcover | $70 | $89 |
| Nationwide | $72 | $92 |
| Mercury | $75 | $102 |
| Allstate | $87 | $110 |
| Progressive | $96 | $121 |
| Direct Auto | $107 | $136 |
| Elephant | $110 | $151 |
| National General | $114 | $145 |
| Travelers | $117 | $150 |
| CSAA | $129 | $167 |
| GAINSCO | $131 | $179 |
| Safeco | $138 | $178 |
| Dairyland | $147 | $187 |
| Bristol West | $151 | $193 |
| AssuranceAmerica | $161 | $204 |
| Liberty Mutual | $185 | $253 |
| The General | $193 | $250 |
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: State Farm
If you’ve caused an accident in the past, insurance companies may view you as a high-risk driver and increase your premiums. On average, liability coverage for Woodbridge drivers with a past at-fault accident costs $173 per month.
Here are the average monthly quotes after an accident from the cheapest insurers in Woodbridge.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $55 |
| State Farm | $41 | $54 |
| GEICO | $55 | $73 |
| USAA | $55 | $73 |
| Chubb | $61 | $82 |
| Erie | $64 | $87 |
| Clearcover | $70 | $100 |
| Nationwide | $72 | $97 |
| Mercury | $75 | $107 |
| Allstate | $87 | $116 |
| Progressive | $96 | $129 |
| Direct Auto | $107 | $146 |
| Elephant | $110 | $143 |
| National General | $114 | $152 |
| Travelers | $117 | $157 |
| CSAA | $129 | $178 |
| GAINSCO | $131 | $167 |
| Safeco | $138 | $182 |
| Dairyland | $147 | $194 |
| Bristol West | $151 | $201 |
| AssuranceAmerica | $161 | $210 |
| Liberty Mutual | $185 | $263 |
| The General | $193 | $262 |
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: State Farm
Virginia requires you to provide an FR-44 certification to the Department of Motor Vehicles to drive again after a DUI. Your insurance company must file the certification, which shows that you have double the required insurance minimums. This requirement nearly doubles costs for DUI drivers. But some insurance companies are more generous with policyholders than others after a DUI.
The cost of liability coverage for Woodbridge drivers with a past DUI is $197 per month on average. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $41 | $66 |
| State Farm | $41 | $66 |
| GEICO | $55 | $89 |
| USAA | $55 | $89 |
| Chubb | $61 | $99 |
| Erie | $64 | $104 |
| Clearcover | $70 | $113 |
| Nationwide | $72 | $117 |
| Mercury | $75 | $112 |
| Allstate | $87 | $141 |
| Progressive | $96 | $156 |
| Direct Auto | $107 | $173 |
| Elephant | $110 | $178 |
| National General | $114 | $185 |
| Travelers | $117 | $190 |
| CSAA | $129 | $188 |
| GAINSCO | $131 | $212 |
| Safeco | $138 | $207 |
| Dairyland | $147 | $238 |
| Bristol West | $151 | $245 |
| AssuranceAmerica | $161 | $261 |
| Liberty Mutual | $185 | $300 |
| The General | $193 | $313 |
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 seniors: State Farm
Age is one of the factors that influence car insurance premiums because it relates to your experience driving.[5] “Drivers with more experience, who have not been involved in accidents or moving violations for a considerable amount of time, typically pay less for auto insurance,” says Faulkner. Drivers in their 50s and 60s tend to get the best quotes.
But prices increase slightly for drivers 70 and older due to an increased risk of serious injuries and other factors.[6] On average, senior drivers in Woodbridge pay $98 per month for liability coverage and $172 for full-coverage insurance.
Compare quotes from the cheapest car insurance companies for senior drivers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $31 | $58 |
| Auto-Owners | $32 | $59 |
| Chubb | $43 | $80 |
| GEICO | $43 | $81 |
| USAA | $43 | $81 |
| Erie | $48 | $88 |
| Nationwide | $52 | $98 |
| Mercury | $58 | $126 |
| Clearcover | $59 | $108 |
| Allstate | $68 | $126 |
| Progressive | $68 | $125 |
| Direct Auto | $81 | $158 |
| National General | $85 | $166 |
| Elephant | $88 | $150 |
| Travelers | $89 | $166 |
| CSAA | $96 | $146 |
| GAINSCO | $107 | $243 |
| Dairyland | $115 | $264 |
| Safeco | $115 | $187 |
| Bristol West | $118 | $222 |
| AssuranceAmerica | $119 | $226 |
| Liberty Mutual | $152 | $235 |
| The General | $153 | $307 |
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: Auto-Owners
Teen drivers pay much more than adults because research shows they’re more likely to be in an accident than any other age group. Teens therefore pose a higher risk to insurance companies than older drivers with more experience.
The average cost of coverage in Woodbridge for teen drivers is $230 per month for liability coverage and $404 for full coverage.
Luckily, teens can save on car insurance in a few ways, including keeping good grades and earning a good student discount. Some insurers may offer driver education or telematics discounts. And staying on your parents’ insurance can save your family money. It’s also a good idea to compare quotes since some companies offer teens better prices than others.
Below are the cheapest auto insurers for teens and their average monthly quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $72 | $134 |
| State Farm | $74 | $138 |
| GEICO | $92 | $174 |
| USAA | $97 | $182 |
| Erie | $112 | $207 |
| Chubb | $122 | $225 |
| Nationwide | $131 | $246 |
| Clearcover | $134 | $245 |
| Mercury | $139 | $301 |
| Allstate | $162 | $300 |
| Progressive | $176 | $324 |
| Elephant | $187 | $319 |
| Direct Auto | $204 | $395 |
| CSAA | $217 | $330 |
| Travelers | $221 | $410 |
| National General | $233 | $455 |
| GAINSCO | $236 | $536 |
| Dairyland | $248 | $571 |
| Bristol West | $266 | $501 |
| Safeco | $277 | $449 |
| AssuranceAmerica | $308 | $588 |
| The General | $321 | $644 |
| Liberty Mutual | $332 | $515 |
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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Learn More: What Are the Best Cars for Teens to Drive?
Woodbridge car insurance quotes by credit tier
Car insurance companies in Woodbridge can use your credit-based insurance score, which is based on information in your credit report, when setting your premium.[7] That’s because research shows that people with poor credit account for a higher share of car insurance claim payouts.[8] Because they represent a higher risk to insurers, people with poor credit history pay more for car insurance.
On the other hand, drivers with good credit history tend to pay the least. That’s why it’s important to maintain good credit. Below are the average quotes for Woodbridge drivers in each credit tier for full-coverage car insurance. As you can see, drivers with bad credit pay more than double what drivers with excellent credit pay.
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 Woodbridge?
Car insurance in Woodbridge costs $124 per month for liability insurance and $218 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $101 per month for liability and $184 for full coverage. Car insurance premiums vary within the state and by ZIP code due to location-based factors related to population, rates of crime and theft, and accident rates.[5]
Though Woodbridge has a low population of around 45,000, the city has a relatively high population density of about 5,000 people per square mile.[1] Drivers in areas with higher population density face higher risks of property damage and vehicle accidents, which likely increases average auto insurance rates.
More cities in Virginia
Below, you can compare the average monthly liability and full-coverage insurance rates in different Virginia cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Alexandria | $119 | $208 |
| Arlington | $107 | $191 |
| Charlottesville | $86 | $158 |
| Chesapeake | $113 | $191 |
| Lynchburg | $90 | $161 |
| Newport News | $114 | $185 |
| Norfolk | $122 | $208 |
| Portsmouth | $121 | $200 |
| Richmond | $123 | $212 |
| Roanoke | $91 | $162 |
| Virginia Beach | $106 | $184 |
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.
Woodbridge car insurance FAQs
Learn about the best car insurance companies in Virginia to see how Woodbridge’s insurers compare across the state, and check out the answers to common questions about car insurance in the city.
How much is car insurance in Woodbrige?
The average cost of car insurance in Woodbridge is $124 per month for liability insurance and $218 for full-coverage insurance. Ultimately, your premium depends on your insurer, driving record, age, chosen coverage, and more.
What are the best car insurance companies in Woodbridge?
With an A++ (Superior) financial strength rating from AM Best and an Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is one of the best car insurance companies in Woodbridge. On average, Virginia drivers with coverage from State Farm pay $35 per month for liability and $64 for full coverage.
Other top insurers with high IQ Scores include Auto-Owners, GEICO, and USAA. While these are the best auto insurers Insurify identified, you should always shop around and compare quotes to find the best coverage for your needs.
What companies have the cheapest car insurance in Woodbrige?
Auto-Owners has the cheapest liability coverage in Woodbridge, at $41 per month. State Farm and GEICO also offer some of the cheapest coverage, with respective liability rates of $41 and $55 per month. The best way to find cheap auto coverage is to compare quotes from multiple insurers at once.
How much car insurance do you need in Virginia?
Drivers in Virginia need $30,000 per person and $60,000 per accident for bodily injury liability coverage and $20,000 for property damage liability.[2] But these minimums will increase to 50/100/25 in 2025.
Is Virginia a no-fault state?
No. Virginia is an at-fault state. This means that drivers who cause an accident are responsible for paying the medical and repair costs of the other parties involved — typically through their liability policies.
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
- 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.
Related articles
More cities in Virginia
Sources
- U.S. Census Bureau. "QuickFacts: Woodbridge CDP, Virginia."
- Code of Virginia. "§ 46.2-472. Coverage of owner's policy."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
- III. "What determines the price of an auto insurance policy?."
- III. "Senior driving safety and insurance tips."
- Virginia State Corporation Commission. "Insurance Credit Scoring: How It Affects Your Automobile and Homeowners Insurance."
- III. "Background on: Insurance scoring."
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Lindsay FrankelInsurance Writer
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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