Cheapest Auto Insurance in Woodbridge, Virginia (2026)

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 $135. For comparison, liability coverage costs $116 per month in Virginia and $98 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.

6 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.

Best insurer for cheap rates: Auto-Owners

Cheap Rates

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User Reviews	4.3 335 reviews
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.	8.2 /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.	$64/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.	$116/mo

Details

Driver Reviews

4.3

Best choiceBased on 335 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviewsSee all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

Customer Satisfaction

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User Reviews	4.0 17,962 reviews
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.	$65/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.	$117/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,962 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 38 Virginia reviews for Woodbridge driversSee all 7,527 State Farm reviews

Ellis

Verified Review

Just keep jacking prices up every six months

Reviewed in Virginia on May 8, 2026

Premiums have skyrocketed, and I haven't had any accidents or tickets.

Debra

Verified Review

Expensive

Reviewed in Virginia on May 6, 2026

The rates are too high.

Angela

Verified Review

Be Wary and Question Things

Reviewed in Virginia on May 3, 2026

Be wary when making changes because the price you're quoted may not be accurate. When you ask, you'll hear it's because of changes that were made. It's frustrating. If you email a certain party at State Farm, you might be lucky if you hear back from that person. From what I was told, anyone can respond to an email even if it's not addressed to them. I asked to speak to Chase, but I guess he wasn't allowed to speak for himself. The increase was supposed to continue for three months. The price quoted was $120, but I was billed $193, and I was supposed to pay that for three months for a six-month policy. Does that make sense to you? Ask questions and then ask other companies. I was happy with State Farm until I went from liability to full coverage and Chase wouldn't contact me back. I think Kimmie took care of it and that increase.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

652

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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.

Pros

• A++ financial strength rating from AM Best

• Ranked above average in multiple J.D. Power studies^{[3] [4]}

Cons

• Doesn’t offer gap insurance

• No homeowner discount

Best insurer for discounts: GEICO

discounts

Compare Quotes

User Reviews	4.0 18,101 reviews
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.	9.2 /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.	$117/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.	$197/mo

Details

Driver Reviews

4.0

Best choiceBased on 18,101 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 34 Virginia reviews for Woodbridge driversSee all 7,726 GEICO reviews

Clark

Verified Review

Collision repair process went smoothly. On another occasion, the towing company came quickly, a rarity in rural areas.

Reviewed in Virginia on May 11, 2026

Collision repair process went smoothly. On another occasion, the towing company came quickly, a rarity in rural areas.

Shirley

Verified Review

Good

Reviewed in Virginia on May 2, 2026

Good, but they do not offer lower costs for senior people. I am 70 years old.

Iesha

Verified Review

No reason for increase

Reviewed in Virginia on May 1, 2026

They will increase your monthly payment based on other people's driving in your area. They took my policy up by $30.00 monthly, while I had no accidents or infractions. Make it make sense.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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.

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 $135 per month for liability insurance. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge.

The below rates in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$64
State Farm	$65
USAA	$88
Chubb	$95
CSAA	$96
Erie	$98
Mercury	$98
Elephant	$103
Nationwide	$113
GEICO	$117
National General	$122
Bristol West	$123
Direct Auto	$134
Allstate	$136
GAINSCO	$136
Progressive	$136
Safeco	$142
Dairyland	$161
Liberty Mutual	$167
AssuranceAmerica	$168
Trexis	$168
Root	$172
The General	$175
Travelers	$181
Trexis One	$188
Clearcover	$201

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge may vary based on the policy buyer's unique driver profile.

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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 $236 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 in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$116
State Farm	$117
CSAA	$154
Elephant	$154
USAA	$159
Chubb	$174
Mercury	$179
Erie	$181
Progressive	$188
GEICO	$197
Safeco	$205
Nationwide	$206
Bristol West	$211
National General	$220
Liberty Mutual	$230
Direct Auto	$231
Allstate	$249
Root	$255
AssuranceAmerica	$277
GAINSCO	$287
Trexis	$313
Travelers	$333
Clearcover	$365
Dairyland	$367
The General	$374
Trexis One	$400

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge 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

• $50,000 per person

• $100,000 per accident



Property damage liability

• $25,000 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 $158 per month for liability insurance and $276 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

In Woodbridge, a speeding ticket increases your car insurance premium. Drivers in the city with a past speeding ticket pay $165 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 in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$65	$82
Auto-Owners	$64	$82
USAA	$88	$112
Chubb	$95	$120
Elephant	$103	$122
CSAA	$96	$123
Erie	$98	$128
Mercury	$98	$134
Nationwide	$113	$145
National General	$122	$150
GEICO	$117	$151
Bristol West	$123	$153
GAINSCO	$136	$161
Progressive	$136	$166
Direct Auto	$134	$166
Allstate	$136	$175
Safeco	$142	$184
Dairyland	$161	$198
Trexis	$168	$205
Liberty Mutual	$167	$210
AssuranceAmerica	$168	$212
Root	$172	$227
Trexis One	$188	$230
The General	$175	$232
Travelers	$181	$232
Clearcover	$201	$254

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

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 $174 per month.

Here are the average monthly quotes after an accident from the cheapest insurers in Woodbridge.

The below rates in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Auto-Owners	$64	$84
State Farm	$65	$85
USAA	$88	$117
Chubb	$95	$125
Erie	$98	$130
Elephant	$103	$133
CSAA	$96	$142
Mercury	$98	$145
Nationwide	$113	$151
GEICO	$117	$152
Bristol West	$123	$160
National General	$122	$161
GAINSCO	$136	$172
Progressive	$136	$175
Allstate	$136	$180
Direct Auto	$134	$180
Safeco	$142	$195
Dairyland	$161	$210
Trexis	$168	$216
Liberty Mutual	$167	$219
AssuranceAmerica	$168	$221
Root	$172	$229
The General	$175	$238
Travelers	$181	$241
Trexis One	$188	$242
Clearcover	$201	$284

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

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 $175 per month on average. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.

The below rates in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Auto-Owners	$64	$87
State Farm	$65	$89
USAA	$88	$120
Chubb	$95	$130
CSAA	$96	$131
Erie	$98	$134
Elephant	$103	$141
Mercury	$98	$142
Nationwide	$113	$154
GEICO	$117	$158
National General	$122	$167
Bristol West	$123	$168
Progressive	$136	$176
Direct Auto	$134	$183
Allstate	$136	$186
GAINSCO	$136	$186
Safeco	$142	$206
Trexis	$168	$217
Dairyland	$161	$220
Liberty Mutual	$167	$228
AssuranceAmerica	$168	$230
The General	$175	$231
Root	$172	$237
Trexis One	$188	$243
Travelers	$181	$247
Clearcover	$201	$275

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

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 $117 per month for liability coverage and $205 for full-coverage insurance.

Compare quotes from the cheapest car insurance companies for senior drivers below.

The below rates in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$51	$92
State Farm	$51	$92
USAA	$71	$129
Chubb	$72	$132
CSAA	$75	$120
Erie	$75	$139
Mercury	$78	$143
Elephant	$85	$126
Nationwide	$87	$158
GEICO	$93	$157
National General	$96	$173
Bristol West	$103	$176
Direct Auto	$110	$190
Allstate	$111	$202
GAINSCO	$117	$246
Progressive	$118	$163
Safeco	$124	$179
AssuranceAmerica	$132	$218
Dairyland	$137	$313
Liberty Mutual	$139	$192
Root	$144	$214
Travelers	$145	$267
Trexis	$146	$271
The General	$150	$320
Trexis One	$163	$347
Clearcover	$178	$324

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge 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 $260 per month for liability coverage and $454 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 in Woodbridge, VA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$130	$234
Auto-Owners	$134	$243
USAA	$168	$303
Mercury	$185	$337
Erie	$186	$344
Elephant	$189	$283
CSAA	$191	$306
Chubb	$201	$368
GEICO	$218	$367
Bristol West	$225	$386
Nationwide	$227	$414
GAINSCO	$250	$528
National General	$251	$452
Progressive	$262	$362
Direct Auto	$268	$461
Allstate	$277	$507
Dairyland	$289	$659
Safeco	$296	$428
Liberty Mutual	$302	$416
Root	$308	$457
Trexis	$323	$602
The General	$324	$692
Clearcover	$341	$619
AssuranceAmerica	$357	$589
Trexis One	$362	$770
Travelers	$387	$713

Disclaimer: Table data sourced from real-time Woodbridge car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodbridge may vary based on the policy buyer's unique driver profile.

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.

Is car insurance more expensive in Woodbridge?

Car insurance in Woodbridge costs $135 per month for liability insurance and $236 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $116 per month for liability and $201 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	$133	$232
Arlington	$117	$193
Charlottesville	$94	$177
Chesapeake	$125	$200
Lynchburg	$99	$175
Newport News	$131	$220
Norfolk	$140	$244
Portsmouth	$135	$243
Richmond	$145	$234
Roanoke	$94	$175
Virginia Beach	$122	$201

Disclaimer: Table data is based on real-time Woodbridge quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Woodbridge car insurance FAQs