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 $144. For comparison, liability coverage costs $108 per month in Virginia and $99 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.

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-five scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Auto-Owners	8.2	$99	$61	Cheap rates
State Farm	9.3	$101	$63	Customer satisfaction
GEICO	9.2	$166	$111	Discounts

• Puntuación de calidad de Insurify (IQ)

  Insurify utiliza un método interno y patentado para calificar y revisar las mejores compañías de seguros de auto. El puntaje de calidad de Insurify (IQ) utiliza más de 15 criterios cruciales para calcular nuestra calificación final de una empresa incluyendo: el promedio de las primas, la satisfacción del cliente, los descuentos ofrecidos, las calificaciones de terceros y más. Los criterios se ponderan según su importancia para el consumidor. Factores como las opiniones de los clientes y la asequibilidad influyen en la puntuación más que la disponibilidad y las valoraciones de terceros. Con nuestra puntuación IQ, Insurify puede proporcionar calificaciones cuantitativas a los conductores para que puedan comparar mejor las compañías de seguros de auto y tomar decisiones informadas para satisfacer sus necesidades de cobertura.

Best insurer for cheap rates: Auto-Owners

Cheap Rates

Compare Quotes

User Reviews	4.3 145 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.	$75/mes
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.	$121/mes

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Driver Reviews

4.3

Best choice in Woodbridge, VABased on 305 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Cheap rates

Senior drivers

Ample discounts

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 145 Auto-Owners reviews

Paul

Verified Review

Auto Owners

Reviewed in Michigan on 10 de febrero de 2026

Auto Owners' rates have increased year after year.

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on 1 de febrero de 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Scott

Verified Review

Poor

Reviewed in Michigan on 28 de enero de 2026

Prices are too high.

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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 aaa (exceptional) to c (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.

Ventajas

• A++ financial strength rating from AM Best

• Few complaints with the NAIC

Contras

• No telematics discount in Virginia

• Doesn’t offer rideshare coverage

Best insurer for customer satisfaction: State Farm

Customer Satisfaction

Compare Quotes

User Reviews	4.1 7,109 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.	$76/mes
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.	$124/mes

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Driver Reviews

4.1

Best choice in Woodbridge, VABased on 15,424 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Customer service

Competitive rates

Discounts for safe drivers

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Customer service

Competitive rates

Discounts for safe drivers

Showing 42 Virginia reviews for Woodbridge drivers - See all 7,109 State Farm reviews

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on 19 de febrero de 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on 16 de febrero de 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on 9 de enero de 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

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JD Power

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

657

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 aaa (exceptional) to c (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.

Ventajas

• A++ financial strength rating from AM Best

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

Contras

• Doesn’t offer gap insurance

• No homeowner discount

Best insurer for discounts: GEICO

discounts

Compare Quotes

User Reviews	4.0 7,372 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.	$136/mes
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.	$204/mes

Show Details

Driver Reviews

4.0

Best choice in Woodbridge, VABased on 15,685 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Teen drivers

Cheap rates

Accident forgiveness

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Woodbridge for

Teen drivers

Cheap rates

Accident forgiveness

Showing 30 Virginia reviews for Woodbridge drivers - See all 7,372 GEICO reviews

Anthony

Verified Review

Dissatisfied with Rate Increase

Reviewed in Virginia on 20 de febrero de 2026

My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.

Margurita

Verified Review

Rate and Price

Reviewed in Virginia on 10 de febrero de 2026

Better rates and lower prices.

Mary

Verified Review

Even if it hurts, choose integrity.

Reviewed in Virginia on 6 de febrero de 2026

My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.

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JD Power

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

637

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 aaa (exceptional) to c (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.

Ventajas

• Offers a wide array of discounts

• A++ financial strength rating from AM Best

Contras

• 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 $144 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Average Monthly Quote
Auto-Owners	$75
State Farm	$76
USAA	$103
Mercury	$104
Elephant	$110
Chubb	$113
CSAA	$118
Erie	$118
National General	$130
Bristol West	$131
Nationwide	$134
Progressive	$135
GEICO	$136
Direct Auto	$142
Safeco	$153
GAINSCO	$153
Allstate	$161
Dairyland	$171
Root	$171
Liberty Mutual	$195
AssuranceAmerica	$198
The General	$204
Clearcover	$207
Travelers	$216

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 $210 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Average Monthly Quote
Auto-Owners	$121
State Farm	$124
Progressive	$164
USAA	$167
Elephant	$169
CSAA	$182
Chubb	$183
Erie	$190
Mercury	$201
GEICO	$204
Nationwide	$217
Safeco	$227
Bristol West	$236
Direct Auto	$238
National General	$239
Liberty Mutual	$256
Allstate	$261
Root	$267
GAINSCO	$313
Travelers	$350
AssuranceAmerica	$351
Clearcover	$356
The General	$380
Dairyland	$423

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 $170 per month for liability insurance and $248 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 $181 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Auto-Owners	$75	$98
State Farm	$76	$96
USAA	$103	$133
Mercury	$104	$145
Elephant	$110	$132
Chubb	$113	$144
CSAA	$118	$149
Erie	$118	$156
National General	$130	$162
Bristol West	$131	$165
Nationwide	$134	$174
Progressive	$135	$169
GEICO	$136	$178
Direct Auto	$142	$178
Safeco	$153	$202
GAINSCO	$153	$182
Allstate	$161	$210
Dairyland	$171	$213
Root	$171	$228
Liberty Mutual	$195	$248
AssuranceAmerica	$198	$252
The General	$204	$273
Clearcover	$207	$269
Travelers	$216	$280

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 $184 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Clean Driving Record	With Accident
Auto-Owners	$75	$97
State Farm	$76	$99
USAA	$103	$136
Mercury	$104	$155
Elephant	$110	$141
Chubb	$113	$147
CSAA	$118	$170
Erie	$118	$154
National General	$130	$170
Bristol West	$131	$170
Nationwide	$134	$177
Progressive	$135	$173
GEICO	$136	$174
Direct Auto	$142	$191
Safeco	$153	$211
GAINSCO	$153	$193
Allstate	$161	$212
Dairyland	$171	$222
Root	$171	$225
Liberty Mutual	$195	$256
AssuranceAmerica	$198	$260
The General	$204	$277
Clearcover	$207	$297
Travelers	$216	$286

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 $182 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Clean Driving Record	With DUI
Auto-Owners	$75	$102
State Farm	$76	$104
USAA	$103	$141
Mercury	$104	$149
Elephant	$110	$150
Chubb	$113	$154
CSAA	$118	$161
Erie	$118	$161
National General	$130	$177
Bristol West	$131	$179
Nationwide	$134	$183
Progressive	$135	$171
GEICO	$136	$185
Direct Auto	$142	$194
Safeco	$153	$224
GAINSCO	$153	$209
Allstate	$161	$220
Dairyland	$171	$233
Root	$171	$236
Liberty Mutual	$195	$266
AssuranceAmerica	$198	$270
The General	$204	$278
Clearcover	$207	$282
Travelers	$216	$295

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 $124 per month for liability coverage and $180 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$59	$96
State Farm	$60	$97
USAA	$83	$135
Mercury	$83	$160
Chubb	$85	$138
Erie	$90	$145
Elephant	$91	$139
CSAA	$94	$146
Nationwide	$102	$166
National General	$102	$187
GEICO	$108	$162
Bristol West	$109	$196
Direct Auto	$114	$191
Progressive	$116	$141
Allstate	$130	$212
GAINSCO	$130	$265
Safeco	$133	$198
Root	$143	$223
Dairyland	$145	$359
AssuranceAmerica	$154	$273
Liberty Mutual	$163	$214
The General	$171	$319
Travelers	$172	$279
Clearcover	$181	$311

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: State Farm

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 $289 per month for liability coverage and $422 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: miércoles, 25 de febrero, 11:00 a.m. GMT-8. 

Insurance Company	Liability Only	Full Coverage
State Farm	$155	$252
Auto-Owners	$158	$255
USAA	$201	$325
Mercury	$202	$391
Elephant	$204	$314
CSAA	$209	$323
Erie	$228	$367
Chubb	$245	$397
Bristol West	$246	$444
GEICO	$257	$385
Progressive	$271	$329
Nationwide	$275	$445
National General	$276	$507
Direct Auto	$288	$482
GAINSCO	$295	$603
Dairyland	$306	$757
Root	$312	$487
Safeco	$323	$480
Allstate	$334	$542
Clearcover	$360	$619
Liberty Mutual	$362	$476
The General	$377	$703
AssuranceAmerica	$430	$762
Travelers	$469	$760

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 $144 per month for liability insurance and $210 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $108 per month for liability and $173 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	$139	$203
Arlington	$119	$165
Charlottesville	$94	$155
Chesapeake	$124	$174
Lynchburg	$98	$153
Newport News	$130	$189
Norfolk	$138	$217
Portsmouth	$136	$212
Richmond	$146	$208
Roanoke	$95	$151
Virginia Beach	$120	$177

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