Updated: November 4, 2025
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Farm Bureau offers the cheapest car insurance in Alexandria. Travelers, Auto-Owners, GEICO and Progressive also provide coverage in the city.
Car insurance in Alexandria costs an average of $747 per year for minimum coverage and $1,329 per year for full coverage.
Travelers offers the cheapest car insurance in Virginia at $360 per year for minimum coverage and $733 per year for full coverage.
Farm Bureau delivers minimum coverage at $444 per year in Alexandria, 41% below the city average of $747. The company also provides full coverage at $831 annually.
Travelers offers minimum coverage at $458 per year. This alternative provides solid value for drivers preferring Travelers' service network or coverage options over Farm Bureau's offerings.
| Farm Bureau | $37 | $69 | -41% |
| Travelers | $38 | $74 | -38% |
| GEICO | $49 | $89 | -24% |
| Auto-Owners | $54 | $97 | -16% |
| Mercury | $59 | $100 | -12% |
Young drivers pay $935 annually with Farm Bureau in Alexandria, facing premiums that reflect their limited driving experience. Adult drivers access the market's lowest rates at $444 per year with Farm Bureau, a 53% discount from young driver premiums.
Travelers charges senior drivers $649 annually, sitting 46% above adult rates. Despite this increase, seniors still pay substantially less than young drivers in Alexandria's market.
Farm Bureau and Travelers provide the most affordable car insurance options for drivers aged 16 to 25 in Alexandria, with monthly premiums beginning at $78 and $89 respectively.
| Farm Bureau | $78 | $935 | -54% |
| Travelers | $89 | $1,064 | -47% |
| Geico | $102 | $1,219 | -39% |
| Erie Insurance | $107 | $1,287 | -36% |
| Auto Owners | $123 | $1,475 | -27% |
In Alexandria, Farm Bureau provides the lowest rates for adult drivers (26 to 64), saving drivers around 43% on average. Travelers and GEICO are also among the top affordable providers for this age group.
| Farm Bureau | $37 | $444 | -43% |
| Travelers | $38 | $458 | -41% |
| Geico | $49 | $584 | -25% |
| State Farm | $53 | $633 | -19% |
| Erie Insurance | $54 | $646 | -17% |
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.
| Travelers | $54 | $649 | -43% |
| Farm Bureau | $66 | $795 | -30% |
| State Farm | $69 | $827 | -27% |
| Geico | $69 | $828 | -27% |
| Erie Insurance | $79 | $954 | -16% |
If you're a high-risk driver in Alexandria, these insurance companies offer the lowest rates based on your specific situation:
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.
| 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% |
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.
| 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% |
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.
| Travelers | $52 | $626 | -48% |
| Farm Bureau | $52 | $629 | -48% |
| State Farm | $62 | $748 | -38% |
| Geico | $74 | $890 | -27% |
| Auto Owners | $76 | $911 | -25% |
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.
| Travelers | $48 | $574 | -42% |
| Farm Bureau | $55 | $665 | -33% |
| State Farm | $57 | $686 | -31% |
| Auto Owners | $60 | $724 | -27% |
| Erie Insurance | $62 | $738 | -25% |
Travelers provides competitive premiums alongside strong customer satisfaction scores in Alexandria. Auto-Owners delivers solid rates with outstanding customer service ratings.
Both companies offer reliable coverage to Alexandria drivers, with Travelers excelling in value and Auto-Owners in service quality.
| 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 |
Strong customer service ratings
Multiple coverage add-ons available
Excellent senior driver rates
Limited coverage options
Higher rates for young drivers
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.
Top-rated customer service
Quick claims processing
Personal agent assistance
Fewer digital tools available
Limited coverage area
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.
Alexandria averages $747 per year for minimum coverage and $1,329 per year for full coverage. These rates exceed Virginia's state average of $554 for minimum coverage.
Farm Bureau's $444 minimum coverage rate demonstrates how insurer selection impacts costs in Alexandria. Northern Virginia drivers typically pay more than residents in rural areas, but comparison shopping reveals substantial savings opportunities.
| Full Coverage | $111 | $1,329 |
| Minimum Coverage | $62 | $747 |
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.
| 22301 | $75 | $124 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Car insurance in Alexandria costs more than average, ranking 856th for minimum coverage affordability and 809th for full coverage compared to other Virginia cities.
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:
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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Alexandria based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
