On average, car insurance in Alexandria costs $843, 6.7% higher than the average in Virginia. Progressive offers the most affordable insurance at an average of $517. MoneyGeek determined the cheapest option using coverage amount and driving history to help you find the best rate for your needs. Considering both quality and price, we evaluated the best auto insurance companies in Alexandria.
bestauto insuranceAlexandria2021The Cheapest and Best Car Insurance in Alexandria
Cheapest Overall - Progressive
Best Overall - GEICO
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Progressive
The Cheapest Car Insurance Companies in Alexandria
In Alexandria, the best car insurance companies that offer the cheapest full coverage policies, on average, are:
- Progressive: $517 per year
- USAA: $680 per year (only available to present and former military members
These prices are for a 40-year-old male driver with a full coverage policy. The policy includes liability insurance and comprehensive and collision insurance.
Scroll for more
- CompanyAmountper year
- 1.$517
- 2.$680
- 3.$695
- 4.$707
- 5.$773
Average Cost of Car Insurance in Alexandria
Alexandria$843
Virginia$790
U.S.$1,424
The average car insurance rate in Alexandria is $843 per year. While this cost is 6.7% more than the state average, it’s 40.8% less than the national average.
The Best Car Insurance Companies in Alexandria
If you’re a driver who puts a premium on both cost-effectiveness and superior service, MoneyGeeks has ranked the best companies in Alexandria to help you choose the best provider. Alexandria’s top car insurance companies based on MoneyGeek’s scoring system for most drivers are:
- GEICO: MoneyGeek score of 93 out of 100
- Hartford: MoneyGeek score of 88 out of 100
USAA received the highest score in Alexandria by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses factors such as J.D. Power power satisfaction, affordability and financial stability to calculate these scores.
1
USAA
Score:100
2
GEICO
Score:93
3
Hartford
Score:88
4
State Farm
Score:85
5
Travelers
Score:85
6
Progressive
Score:80
7
Nationwide
Score:78
8
Farmers
Score:75
9
CSAA
Score:75
10
Allstate
Score:75
11
Plymouth Rock Assurance
Score:73
12
Liberty Mutual
Score:73
Personalized Quotes to Get You the Cheapest Car Insurance in Alexandria
When calculating car insurance quotes in Alexandria, providers evaluate several factors to assess your risk. These include your age, gender, coverage level, miles driven per year and more.
A 40-year-old male driver in Alexandria can get a policy with Progressive that costs an average of $517 per year. Older customers may pay a different rate.
Since your age and other life circumstances will change, it’s a good idea to compare car insurance quotes regularly to make sure you get the cheapest rates.
Shopping around for car insurance in Alexandria could save you $326, which is enough to buy:
109Cups of Coffee
25Months of Your Favorite Streaming Service
Cheapest Car Insurance in Alexandria by Coverage Amount
In Alexandria, the price of your policy is greatly affected by the amount of coverage you buy. An insurance policy that meets the minimum liability requirements in Virginia costs on average $462. In comparison, a full coverage policy, which has higher liability limits, is priced at $843 per year – a difference of $380.
Virginia Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person, $50,000 per incident and $20,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.
There are differences between liability-only and full-coverage policies. Liability coverage is cheaper and pays for the expenses of the other driver if you cause an accident. Full coverage is more expensive but will pay for both you and the other driver if you are at fault in an accident.
Your policy will also have limits. For instance, a 50/100/50 policy will provide up to $50,000 per person for medical costs, totaling no more than $100,000 per accident and $50,000 for property damage.
In Alexandria, Progressive offers the cheapest car insurance for both full-coverage and liability-only plans. A full-coverage package with Progressive is $105 more per year on average than a liability-only plan.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$345$367
- 2.$341$387
- 3.$372$412
- 4.$374$413
- 5.$428$496
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$472$517
- 2.$639$680
- 3.$653$695
- 4.$657$707
- 5.$716$796
Cheapest Car Insurance in Alexandria if You Have Driving Violations
Defensive drivers are smart because they reach their destination safely and save money on their auto insurance. In contrast, drivers with violations on their record pay more for insurance.
In Alexandria, Progressive policyholders with a speeding ticket may be charged $173 more per year on average than drivers with a clean record. Customers with a recorded at-fault accident could pay an extra $381 annually, while drivers with a DUI on their record might pay an average of $209 more per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$690$898$726
- 2.$872$948$872
- 3.$739$933$1,126
- 4.$826$1,000$1,247
- 5.$958$1,123$1,326
Average Cost of Car Insurance by Postal Code
Your neighborhood also impacts your auto insurance rates. This is because areas with a higher number of accidents, car thefts and uninsured motorists are riskier for insurance companies to cover.
In Alexandria, Virginia, people living in the 22304 ZIP code typically pay $19 less each year for vehicle insurance than residents of the slightly more expensive 22309 neighborhood.
- Zip CodeState Minimumper year
- 22304$833
- 22309$852
Insurance Providers That Serve Alexandria
Factors That Impact Insurance Costs in Alexandria
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Alexandria. How Alexandria ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Alexandria are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
