Buy Cheap Auto Insurance in Newport News, VA in 2020

It's possible to find cheap auto insurance in Newport News, VA, with rates as low as $25/mo from Erie Insurance, which is the cheapest car insurance company in Newport News. The average cost of auto insurance in Newport News, Virginia is $31/month for liability-only, but adding extra coverage to the basics will increase your rates. Compare multiple Newport New, VA auto insurance quotes to get the best deal on your coverage needs.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Are you in the market for cheap auto insurance in Newport News, VA? At AutoInsuranceEZ.com, we can help you find the cheapest local insurance policies. To get free, affordable car insurance prices from the top-rated providers today, type your ZIP code in the quote box above.

Newport News has a long historical past dating all the way back to the first Virginia Shires established in 1634; however, it wasn’t until 250 years later that settlers began developing the land for purposes other than farming. Today, the city’s economy is entwined with the Langley-Eustis Military Base and Huntington Ingalls Shipbuilding.

  • Fun fact: Did you know that Newport News is the 5th largest city within the state of Virginia?

Continue reading for more information on affordable auto insurance in Newport News, VA. You can also compare Newport News, VA auto insurance rates by using our helpful tool.

Auto Insurance Coverage Requirements in Virginia

Driving legally in Newport News requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 20,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

This video from Allstate explains what liability insurance covers.

Just because mandatory state coverage limits are higher in Virginia doesn’t mean that you can stop there. Many vehicles, especially leased ones, will require a fully comprehensive policy. Depending on who your lender is, a car that you're still making payments on may have similar requirements.

Every Newport News, VA auto insurance company can offer you the required coverage, but options may vary.

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The Average Cost of Auto Insurance in Newport News, VA

The average motorist on the road right now is paying around $93 or higher for their Virginia auto insurance policy. However, living in Newport News can get you discounted coverage for as low as $31 a month*.

Newport News, VA Average Monthly Auto Insurance RatesLegend: Newport News Erie Allstate Nationwide ALFA State Farm 5101520253035$25$30$34$29$39

 

If you’re serious about shopping around for a lower rate, you might want to start with either Allstate or Erie. Compare strengths and weaknesses, financial stability, and customer service reports before making a final decision based on price alone.

Companies that offer auto insurance plans consider several factors while determining quotes, including marital status, ZIP code, credit rating, driving distance to work, and theft protection devices. Premium costs will almost always differ from between companies. To find out if that you’re still receiving the best rates, compare cheap Newport News auto insurance estimates on the internet.

Major Auto Insurance Factors in Newport News

Your City

Automobile insurance companies must know where you live to evaluate the probability of a major accident. The greater the populace of your hometown, the greater amount of vehicles you’ll encounter on the highway, leading to a higher risk of being in an accident.

Virginia Average Monthly Auto Insurance Rates by CityLegend: Chesapeake Norfolk Richmond Virginia Beach Newport News Erie Allstate Nationwide ALFA State Farm 510152025303540$26$26$28$26$25$26$30$30$29$30$35$34$39$36$34$28$31$34$29$29$37$42$39$39$39

 

The population of Newport News is 182,020 and general household earnings are $49,184.

Automotive Accidents

Any area with a high rate of serious accidents is going to see a dramatic rise in local premiums. Based on the statistics below, the average Newport News driver has a much lower chance of getting into a deadly crash than other cities in Virginia.

Fatal Accidents in Newport News, VALegend: Newport News Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 24681012141014410155

Auto Thefts in Newport News

Motorists who reside in sizable metropolitan areas are at greater risk for auto theft. The greater the population, the better the probability that you may have to submit an auto burglary claim.

Newport News, VA Basic vs. Comprehensive Average Monthly Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Erie Allstate Nationwide ALFA State Farm 10203040506070$25$54$30$71$34$58$29$61$39$76

 

In 2013, there were only 344 stolen cars in Newport News. That's a low per capita rate, but also a spike in recent years. If you live in Newport News, it may be in your best interest to purchase comprehensive coverage just to be safe.

Your Credit Score

Insurance companies believe that drivers with poor credit are a higher financial risk to their bottom line.

Newport News, VA Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit Erie Allstate Nationwide ALFA State Farm 102030405060$25$44$29$50$31$44$26$51$33$69

 

If you have a low credit score, you may pay up to triple the amount for a premium than someone with perfect credit.

Your Age

Young drivers, due to their lack of experience, are more expensive to insure. If you are a young driver, or are trying to get coverage for one, search for Good Student and Driver’s Ed discounts wherever possible.

Newport News, VA Average Monthly Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old Erie Allstate Nationwide ALFA State Farm 153045607590105120135150$25$79$30$90$34$110$29$78$39$153

 

You may even want to consider bundling them to a family auto policy.

Your Driving Record

Virginia insurance providers take your driving record seriously, as you can see by the chart below.

Newport News, VA Average Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Erie Allstate Nationwide ALFA State Farm 102030405060708090100$25$27$41$34$30$40$45$54$34$43$75$53$29$37$103Do Not Sell$39$43$43$47

 

Serious violations, like at-fault accidents, will send premiums skyrocketing. You may even run the risk of losing coverage. However, if your provider offers an Accident Forgiveness discount, you might still be able to find a good deal, even with a less than perfect record.

Your Vehicle

The more expensive your vehicle is, the more insurance coverage you will have to buy. This helps protect you and your finances in the event of some expensive repairs, or you have to replace your vehicle entirely. However, it does mean that your monthly premiums will be much more expensive.

Newport News, VA Average Monthly Car Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Erie Allstate Nationwide ALFA State Farm 102030405060708090100$25$66$30$99$34$79$29$81$39$100

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Minor Auto Insurance Factors in Newport News

Your Marital Status

Spouses can bundle their insurance policies together for a good discount.

Your Gender

Some insurance companies charge male drivers more, while others put the financial burden upon female motorists. Thankfully, an increasing number of companies don’t factor gender into the equation at all anymore.

Below is a chart showing different rates in Virginia based on age and gender.

Male vs Female Auto Insurance Rates in Virginia

Insurance ProvidersSingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old maleMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old male
Allstate P&C$6,396.46$7,347.87$2,657.43$2,658.75$2,042.71$1,927.39$2,031.96$2,031.96
GEICO General$3,138.15$4,204.21$1,714.05$1,694.63$1,474.02$1,470.60$1,398.20$1,398.20
Nationwide P&C$3,416.59$4,404.98$1,582.01$1,722.41$1,434.40$1,443.10$1,272.72$1,307.89
Progressive Advanced$5,745.36$6,458.02$1,518.75$1,551.92$1,253.97$1,191.17$1,132.78$1,136.43
State Farm Mutual Auto$4,201.32$5,274.60$1,572.89$1,810.26$1,391.16$1,391.16$1,254.98$1,254.98
USAA$3,443.74$4,098.09$1,436.42$1,578.62$1,116.18$1,099.39$1,043.95$1,050.74
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Your Driving Distance to Work

Most commute times in Newport News will take anywhere from 19 to 24 minutes, although some can be as short as 10 or as long as 29 minutes. About 76% of residents travel to work alone with their own truck or car, while around 5-21% carpool.

Are you insuring your vehicle for business purposes? If so, understand that your monthly premium is around 11-12% higher than it would be if you were insuring the same exact vehicle for personal use (that is, traveling to school or work, or for pleasure).

Your Coverage and Deductibles

When your deductible is high, your monthly coverage rates will be lower. A low deductible, however, will result in a higher monthly payment. You can raise or lower your deductible whenever you wish; contact your insurance agent for more information.

Education in Newport News, VA

Just under a third of Newport News citizens have obtained their high school diploma (30%), while an additional 18% are on their way towards getting their bachelor’s degree. Once they graduate, they may be surprised to learn that their degree will earn them lower rates on auto insurance.

Located within the city limits of Newport News is CNU (Christopher Newport University), a public liberal arts school that offers degrees in business, history, and jazz studies, and also has an Army ROTC program. For a shorter commute, locals also have access to other institutions, such as Norfolk State University or the Thomas Nelson Community College.

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How We Conducted Our Auto Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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References:

 

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