Farm Bureau offers Alexandria's lowest car insurance rates with annual premiums of $444 for minimum coverage and $831 for full coverage. Other affordable insurers in the city include Travelers, GEICO and Auto-Owners.
Car Insurance in Alexandria
Updated: August 9, 2025
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Key Takeaways
Alexandria's cheapest car insurance companies are Farm Bureau, Travelers and GEICO, with savings up to 41% compared to the city average.
Monthly car insurance costs in Alexandria average $111 for full coverage and $62 for minimum coverage.
To find the best cheap auto insurance in Alexandria, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Alexandria?
| Farm Bureau | $37 | $69 | -41% |
| Travelers | $38 | $74 | -38% |
| GEICO | $49 | $89 | -24% |
| Auto-Owners | $54 | $97 | -16% |
| Mercury | $59 | $100 | -12% |
Compare the Cheapest Alexandria Car Insurance for You
Your car insurance rate depends heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $104 | $1,249 | -46% |
| State Farm | $135 | $1,621 | -30% |
| GEICO | $155 | $1,855 | -20% |
| Progressive | $239 | $2,864 | 23% |
| Farmers | $263 | $3,161 | 36% |
Cheapest Car Insurance by Age Group in Alexandria
Car insurance prices in Alexandria depend heavily on age, so we've analyzed rates for three key groups: young drivers (16 to 25), adults (26 to 64), and seniors (65+). Here's who offers the lowest monthly rates in each category:
- Cheapest Car Insurance for Young Drivers: Travelers (from $89 per month)
- Cheapest Car Insurance for Adults: Travelers (from $38 per month)
- Cheapest Car Insurance for Seniors: Travelers (from $54 per month)
Cheapest Car Insurance for Young Drivers in Alexandria
Travelers and GEICO provide the most affordable car insurance options for drivers aged 16 to 25 in Alexandria, with monthly premiums beginning at $89 and $102 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $89 | $1,064 | -54% |
| GEICO | $102 | $1,219 | -47% |
| State Farm | $128 | $1,538 | -34% |
| Allstate | $157 | $1,882 | -19% |
| Progressive | $313 | $3,762 | 62% |
Cheapest Car Insurance for Adult Drivers in Alexandria
In Alexandria, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 49% on average. GEICO and State Farm are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $38 | $458 | -49% |
| GEICO | $49 | $584 | -35% |
| State Farm | $53 | $633 | -29% |
| Allstate | $79 | $948 | 6% |
| Progressive | $101 | $1,212 | 35% |
Cheapest Car Insurance for Senior Drivers in Alexandria
For Alexandria seniors aged 65 and up, Travelers offers the lowest rates for both coverage types. Minimum coverage costs $54 monthly or $649 annually, while full coverage runs $102 per month or $1,225 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $54 | $649 | -48% |
| State Farm | $69 | $827 | -34% |
| GEICO | $69 | $828 | -34% |
| Progressive | $135 | $1,621 | 30% |
| Allstate | $139 | $1,662 | 33% |
Cheapest Car Insurance for High-Risk Drivers in Alexandria
If you're a high-risk driver in Alexandria, these insurance companies offer the lowest rates based on your specific situation:
- Cheapest for Bad Credit: GEICO (from $100 per month)
- Cheapest With a DUI: Farm Bureau (from $47 per month)
- Cheapest With an Accident: Travelers (from $52 per month)
- Cheapest With a Speeding Ticket: Travelers (from $48 per month)
Cheapest Car Insurance for Bad Credit in Alexandria
GEICO offers the cheapest car insurance for bad credit drivers in Alexandria, with monthly rates starting at $100 for minimum coverage and $230 for full coverage. Both rates include state-required liability protection, while the full coverage option adds comprehensive and collision with a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $100 | $1,198 | -34% |
| Erie Insurance | $105 | $1,255 | -30% |
| Penn National Insurance | $113 | $1,360 | -25% |
| Farm Bureau | $114 | $1,365 | -24% |
| Auto-Owners | $123 | $1,472 | -18% |
Cheapest Car Insurance With a DUI in Alexandria
Farm Bureau offers the most affordable car insurance rates in Alexandria for drivers with DUIs. You can save up to 63% on minimum coverage and 60% on full coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $47 | $560 | -63% |
| Travelers | $56 | $677 | -56% |
| State Farm | $57 | $686 | -55% |
| Auto Owners | $94 | $1,132 | -26% |
| Erie Insurance | $110 | $1,314 | -14% |
Cheapest Car Insurance With an Accident in Alexandria
Travelers offers Alexandria drivers with accidents the lowest car insurance rates, starting at $52 monthly. This state's minimum liability coverage costs 48% less than the city average.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $52 | $626 | -48% |
| Farm Bureau | $52 | $629 | -48% |
| State Farm | $62 | $748 | -38% |
| Geico | $74 | $890 | -27% |
| Auto Owners | $76 | $911 | -25% |
Cheapest Car Insurance With a Speeding Ticket in Alexandria
For Alexandria drivers with speeding tickets, Travelers offers the most affordable rates for both coverage types. Their minimum liability coverage costs $48 monthly, while full coverage with higher limits runs $102 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $48 | $574 | -48% |
| State Farm | $57 | $686 | -38% |
| GEICO | $62 | $740 | -33% |
| Allstate | $105 | $1,256 | 13% |
| Progressive | $130 | $1,557 | 40% |
Best Car Insurance Companies in Alexandria
The top car insurance providers in Alexandria are Travelers, Auto-Owners, Erie Insurance, Farm Bureau and GEICO. These companies excel in offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 95 | 2 | 3 | 5 |
| Auto-Owners | 91 | 4 | 1 | 7 |
| Erie Insurance | 90 | 6 | 2 | 3 |
| Farm Bureau | 89 | 1 | 5 | 9 |
| GEICO | 84 | 3 | 8 | 8 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Multiple coverage add-ons available
Excellent senior driver rates
cons
Limited coverage options
Higher rates for young drivers
COMPANY HIGHLIGHTS
Travelers ranks first among Alexandria car insurance providers, offering rates well below the city average. The company stands out with high marks in both affordability and customer satisfaction. Local drivers praise its straightforward claims process and responsive customer service. Travelers offers the lowest rates for seniors, drivers with newer cars, and those with speeding tickets.
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Quick claims processing
Personal agent assistance
cons
Fewer digital tools available
Limited coverage area
COMPANY HIGHLIGHTS
Auto-Owners earns Alexandria's second-best ranking thanks to outstanding customer service. The company provides personalized support through local agents and maintains the highest customer satisfaction ratings in the area. While rates run slightly above the city average, customers value the company's efficient claims handling and personal touch. Auto-Owners particularly appeals to drivers who prefer working directly with an agent rather than managing policies online.
How Much Is Car Insurance in Alexandria?
In Alexandria, minimum coverage costs about $62 per month or $747 per year, ranking 856th out of all Virginia cities for affordability. Full coverage averages $111 monthly or $1,329 annually, ranking 809th among Virginia cities.
| Full Coverage | $111 | $1,329 |
| Minimum Coverage | $62 | $747 |
Compare Personalized Alexandria Car Insurance Costs
While basic rate breakdowns offer a starting point, this table shows Alexandria car insurance costs filtered by your age, driving record and other key factors that shape your premium.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $175 | $2,100 | 19% |
Alexandria Car Insurance Costs by ZIP Code
In Alexandria, car insurance rates by ZIP code range from $56 to $129 per month. ZIP code 22314 is the most affordable, while 22304 costs the most. Check average rates for your ZIP code below.
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ZIP Code:22301
| 22301 | $75 | $124 |
How to Get the Best Cheap Alexandria Car Insurance
Finding affordable car insurance in Alexandria can feel overwhelming, with local rates higher than many other Virginia cities and numerous coverage options to sort through. Our step-by-step guide shows you practical ways to lower your rates while getting the right coverage for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your Alexandria driving situation. Use our car insurance coverage needs calculator to evaluate your vehicle's value, your assets and your risk tolerance.
- 2
Explore different coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might help reduce costs. Don't own a car? A non-owner policy could be your best choice.
- 3
Know the average costs
Research average vehicle insurance costs in Alexandria to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying.
- 4
Stack up available discounts
Maximize your savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also lead to significant savings.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer service ratings. Look for companies with strong claims-handling records in Alexandria. Check local reviews to understand how each insurer treats customers in your area when they need to file claims.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review your policy annually
Mark your calendar to review your coverage each year before renewal. Life changes like moving within Alexandria, buying a new car or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in Alexandria: Bottom Line
Car insurance rates in Alexandria depend on your driving record, age and vehicle type. Farm Bureau and Travelers offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Alexandria Car Insurance: FAQ
Get expert answers to your questions about finding affordable car insurance in Alexandria. We help you understand coverage options and save money on the protection you need.
What is the cheapest car insurance company in Alexandria, Virginia?
Farm Bureau offers Alexandria's lowest rates at $444 for minimum coverage and $831 for full coverage. Individual rates vary based on personal factors, so compare multiple quotes.
Who offers the best car insurance in Alexandria?
Travelers leads Alexandria's car insurance providers with a MoneyGeek score of 95 out of 100, scoring three points higher than Auto-Owners. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Alexandria?
In Alexandria, drivers pay $1,329 per year for full coverage and $747 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Alexandria expensive?
Car insurance in Alexandria costs more than average, ranking 856th for minimum coverage affordability and 809th for full coverage compared to other Virginia cities.
How We Chose the Best and Cheapest Car Insurance in Alexandria, VA
To help Alexandria drivers find the most affordable auto insurance companies, MoneyGeek analyzed Alexandria auto insurance rates based on data and information from the Virginia Bureau of Insurance and Quadrant Information Services. We studied all ZIP codes in Alexandria and hundreds of thousands of quotes for 12 companies offering auto insurance in Virginia to tailor options as closely as possible to you.
Alexandria Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Alexandria with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Alexandria
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Virginia are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Alexandria based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.