Cheapest Auto Insurance in Woodbridge, Virginia (2026)
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $64 per month.
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Courtney MikulskiSenior Editor, Auto
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
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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 $115 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.
Datos Breves
Auto-Owners, State Farm, and USAA have the cheapest liability insurance rates in Woodbridge.
The average cost of full-coverage insurance is $236 per month in Woodbridge, $199 in Virginia, and $186 in the U.S.
Virginia’s mandatory liability limits increased 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-five scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $98 | $53 | Cheap rates |
| State Farm | 9.3 | $100 | $55 | Customer satisfaction |
| GEICO | 9.2 | $166 | $99 | Discounts |
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
| User Reviews | 4.3 |
|---|---|
| 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/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. | $116/mes |
4.3
Best choiceBased on 333 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on 12 de abril de 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on 4 de abril de 2026
Uneventful.
Verified Review
Reviewed in Missouri on 22 de marzo de 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.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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.
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 | 4.0 |
|---|---|
| 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. | 9.3 /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/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. | $117/mes |
4.0
Best choiceBased on 17,568 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 34 Virginia reviews for Woodbridge driversSee all 7,465 State Farm reviews
Verified Review
Reviewed in Virginia on 19 de abril de 2026
Premiums have escalated drastically even with no claims and very low annual mileage.
Verified Review
Reviewed in Virginia on 14 de abril de 2026
Rates go up no matter how long you have been with them or your driving record.
Verified Review
Reviewed in Virginia on 11 de abril de 2026
Offhanded and more interested in cash than anything else. I drive 6,000 miles a year or less and get little discount.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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.
Best insurer for discounts: GEICO
| User Reviews | 3.9 |
|---|---|
| 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/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. | $197/mes |
3.9
A solid optionBased on 17,786 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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Showing 31 Virginia reviews for Woodbridge driversSee all 7,677 GEICO reviews
Verified Review
Reviewed in Virginia on 29 de abril de 2026
I wouldn't use Geico; it costs too much. You can get the same insurance 50% cheaper at other companies.
Verified Review
Reviewed in Virginia on 22 de abril de 2026
The price is high, and the service is not very good.
Verified Review
Reviewed in Virginia on 20 de abril de 2026
Geico raised my rate to $3,609 a year after being with them for 10 years!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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.
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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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: lunes, 27 de abril, 5:00 p. m. GMT-7.
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.
Find Cheap Car Insurance in Woodbridge
Liability quotes start at $64 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 $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: lunes, 27 de abril, 5:00 p. m. GMT-7.
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.
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como ${{cheapestPrice}}/mes para {{cheapestCoverageLevel}} y ${{cheapestAltPrice}}/mes para {{cheapestAltCoverageLevel}} en Virginia.
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $76/mes para solo responsabilidad y $98/mes para cobertura total en Virginia.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 29 de abril de 2026. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 29 de abril de 2026. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 29 de abril de 2026. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 29 de abril de 2026. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
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.
$50,000 per person
$100,000 per accident
$25,000 per accident
Equal to bodily injury and property damage liability limits
Bodily injury liability
Property damage liability
Uninsured/underinsured motorist coverage
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 $277 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: lunes, 27 de abril, 5:00 p. m. GMT-7.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $65 | $82 |
| Auto-Owners | $64 | $83 |
| USAA | $88 | $112 |
| Chubb | $95 | $120 |
| Elephant | $103 | $122 |
| CSAA | $96 | $124 |
| 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 | $211 |
| Root | $172 | $227 |
| Trexis One | $188 | $230 |
| The General | $175 | $232 |
| Travelers | $181 | $232 |
| Clearcover | $201 | $253 |
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: lunes, 27 de abril, 5:00 p. m. GMT-7.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $64 | $84 |
| State Farm | $65 | $85 |
| USAA | $88 | $117 |
| Chubb | $95 | $125 |
| Erie | $98 | $129 |
| Elephant | $103 | $133 |
| CSAA | $96 | $143 |
| 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 | $181 |
| Safeco | $142 | $195 |
| Dairyland | $161 | $210 |
| Trexis | $168 | $217 |
| Liberty Mutual | $167 | $219 |
| AssuranceAmerica | $168 | $221 |
| Root | $172 | $229 |
| The General | $175 | $238 |
| Travelers | $181 | $241 |
| Trexis One | $188 | $242 |
| Clearcover | $201 | $285 |
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 $174 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: lunes, 27 de abril, 5:00 p. m. GMT-7.
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 | $166 |
| 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 | $229 |
| The General | $175 | $230 |
| Root | $172 | $237 |
| Trexis One | $188 | $243 |
| Travelers | $181 | $247 |
| Clearcover | $201 | $274 |
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 $204 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: lunes, 27 de abril, 5:00 p. m. GMT-7.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $51 | $92 |
| State Farm | $51 | $92 |
| USAA | $71 | $129 |
| Chubb | $72 | $132 |
| Erie | $75 | $139 |
| CSAA | $75 | $121 |
| Mercury | $78 | $142 |
| Elephant | $85 | $126 |
| Nationwide | $87 | $158 |
| GEICO | $93 | $157 |
| National General | $96 | $173 |
| Bristol West | $103 | $176 |
| Direct Auto | $110 | $189 |
| Allstate | $110 | $202 |
| GAINSCO | $116 | $246 |
| Progressive | $117 | $162 |
| Safeco | $124 | $179 |
| AssuranceAmerica | $132 | $217 |
| Dairyland | $137 | $312 |
| Liberty Mutual | $139 | $192 |
| Root | $144 | $213 |
| Travelers | $145 | $266 |
| Trexis | $145 | $270 |
| The General | $149 | $319 |
| Trexis One | $162 | $345 |
| 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: lunes, 27 de abril, 5:00 p. m. GMT-7.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $130 | $234 |
| Auto-Owners | $134 | $242 |
| USAA | $168 | $303 |
| CSAA | $184 | $295 |
| Mercury | $185 | $337 |
| Erie | $186 | $344 |
| Elephant | $189 | $282 |
| Chubb | $201 | $368 |
| GEICO | $218 | $367 |
| Bristol West | $225 | $386 |
| Nationwide | $227 | $414 |
| National General | $251 | $453 |
| GAINSCO | $251 | $530 |
| Progressive | $262 | $362 |
| Direct Auto | $268 | $461 |
| Allstate | $277 | $507 |
| Dairyland | $289 | $659 |
| Safeco | $296 | $427 |
| Liberty Mutual | $302 | $416 |
| Root | $309 | $458 |
| Trexis | $323 | $603 |
| The General | $324 | $692 |
| Clearcover | $341 | $620 |
| AssuranceAmerica | $357 | $588 |
| 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.
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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
Excellent | Good | Fair | Poor | |
|---|---|---|---|---|
| Credit Tier | $205 | $242 | $266 | $412 |
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 $115 per month for liability and $199 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
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 $135 per month for liability insurance and $236 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 10, State Farm is one of the best car insurance companies in Woodbridge. On average, Virginia drivers with coverage from State Farm pay $55 per month for liability and $100 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 $64 per month. State Farm and USAA also offer some of the cheapest coverage, with respective liability rates of $65 and $88 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 $50,000 per person and $100,000 per accident for bodily injury liability coverage and $25,000 for property damage liability.[2]
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.
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."
Metodología
Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.
El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.
Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.
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Lindsay FrankelEscritora de seguros
Courtney MikulskiSenior Editor, Auto
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
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