Cheapest Car Insurance in Alexandria (2026)

Farm Bureau charges Alexandria drivers just $37 monthly for minimum liability coverage, while also offering the city's most affordable full coverage at $69 per month or $831 annually. These premiums apply to drivers with clean records. Personal factors like age and driving history determine which insurer provides your lowest rate, so requesting quotes from multiple carriers reveals your best available premium.

Virginia's statewide average sits at $51 monthly for minimum coverage and $92 for full coverage, but Alexandria residents pay higher rates. You'll pay around $62 for minimum coverage and $111 for full coverage in Alexandria.

The city's dense traffic patterns create more frequent accidents, while higher vehicle theft rates push premiums above state levels. Alexandria's urban environment presents more risks than Virginia's rural areas, which insurers factor into their pricing. 

Getting quotes from multiple providers helps you find the most competitive rates available in the area.

Read More: The cheapest car insurance in Virginia

Your age determines how much you'll pay for car insurance in Alexandria more than almost any other factor. Young drivers average $193 monthly across the top five insurers, while adults pay $86 and seniors pay $121. The high costs for younger drivers stem from limited road experience and statistically higher accident rates.

Cheapest Alexandria car insurance by age:

• Young drivers: Farm Bureau at $141 per month
• Adult drivers: Farm Bureau at $69 per month
• Senior drivers: Travelers at $102 per month

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers ages 16 to 25 pay the highest car insurance costs in Alexandria, with insurers viewing them as the highest risk due to inexperience and higher accident rates. Farm Bureau offers the most affordable option at $141 monthly or $1,692 annually for full coverage. 

With young drivers averaging $193 monthly compared to $86 for adults across Alexandria's top five insurers, youth premiums run more than double what experienced drivers pay.

Farm Bureau costs $90 less monthly than Auto-Owners at $231, saving young Alexandria drivers serious money. Adding a young driver to your family policy beats getting separate coverage, but expect rates to stay high until age 25.

Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage in Virginia.

Alexandria seniors benefit from decades of driving experience and clean records, helping them get competitive rates like Travelers' $102 monthly or $1,225 annually for full coverage. While most drivers 65 and older maintain favorable premiums, some insurers bump rates slightly after age 70 due to slower reaction time concerns. 

Across the five cheapest options, Alexandria's seniors average $121 monthly, just $35 above the $86 adult average, showing insurers view experienced drivers favorably. Choosing Travelers over Auto-Owners at $145 monthly saves $43 each month. 

Seniors can unlock even more savings through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.

Adults between ages 26 and 64 enjoy the most competitive car insurance rates in Alexandria, with Farm Bureau leading at $69 monthly or $831 annually for full coverage. This age group benefits from combining years of driving experience with lower accident rates compared to both younger and older drivers. 

Across Alexandria's five cheapest insurers, adults average $86 monthly, the lowest of any age category. Comparing quotes can save Alexandria adults $31 monthly by choosing Farm Bureau over Mercury at $100, the fifth cheapest option. Maintaining clean driving records and bundling policies provide additional ways to cut costs.

Traffic violations lead to higher car insurance costs in Alexandria than clean driving records. Farm Bureau posts the lowest minimum liability rate at $37 per month for clean drivers, while Travelers offers the best pricing after a speeding ticket at $48 monthly and Farm Bureau leads again for DUI coverage at $47 per month. 

Across the city’s five cheapest insurers, average monthly rates rise from $46 for clean records to $56 after speeding violations, $63 following at-fault accidents and $73 after DUIs. At-fault accidents raise premiums because they show direct responsibility for property damage or injuries, which insurers treat as a higher claim risk. 

DUIs trigger the largest increases due to impaired driving violations and strict legal penalties, placing drivers in the highest risk tier and often requiring SR-22 filings for license reinstatement. Speeding tickets result in smaller increases since they point to risky driving behavior without evidence of a crash.

Alexandria drivers see monthly car insurance costs ranging from $56 in ZIP code 22314 to $129 in ZIP code 22304. Check the table below to find your ZIP code's rate. 

The city's three most populated areas show how location affects pricing, with ZIP codes 22304, 22302 and 22314 charging $129, $105 and $104 monthly for minimum coverage. These differences reflect neighborhood factors like population density, accident frequency, vehicle theft rates, and uninsured driver percentages. 

Use the filter above the table to locate your ZIP code and check your area's average rate.

Getting competitive rates and proper coverage in Alexandria comes down to knowing where to look and what to ask for.

Want to find affordable coverage in Alexandria? This FAQ offers clear answers about discounts, state regulations and policy options to help you find coverage that fits your budget and meets your needs.

Alexandria drivers pay some of Virginia's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Alexandria's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.