bestauto insuranceAlexandria2022Compare the Cheapest Car Insurance Quotes in Alexandria, VA
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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/27/2022
Written By |
Mark Fitzpatrick
In Alexandria, Progressive provides the cheapest full-coverage insurance, on average, at $517 per year. On average, this provider also offers the cheapest policies for coverage that meets state minimums, along with drivers who have a speeding ticket on their record.
USAA provides the second-cheapest coverage in the city, but its policies only apply to military members and their families. Based on MoneyGeek’s internal rating system, the best insurer overall, which delivers on affordability and customer service, is GEICO.
bestauto insuranceAlexandria2022The Cheapest and Best Car Insurance in Alexandria
Cheapest Overall - Progressive
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Progressive
Best Overall - GEICO
The Cheapest Car Insurance Companies in Alexandria
On average, the companies that offer drivers the most affordable full-coverage policies in Alexandria are:
- Progressive: $517 per year
- GEICO: $695 per year
At an average yearly cost of $680, USAA is the second-cheapest provider in the city. However, only members of the military and their families are eligible for this company's coverage.
Progressive offers the cheapest full-coverage insurance, at about 50% less than what Metlife charges for the same limits. If you purchase your policy from Metlife, you will pay an average of $1,097 per year.
Full-coverage insurance includes both comprehensive and collision insurance. It also costs more than liability-only insurance, but your actual premium will depend on your coverage level.
Cheapest Car Insurance in Alexandria
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$517
- 2.$680
- 3.$695
- 4.$707
- 5.$773
MoneyGeek compiled data on the average cost of car insurance in Alexandria based on a sample 40-year-old male driver seeking full coverage. Our methodology page offers more insight into our analysis.
Full-coverage policies, which provide higher limits in case of an accident, usually feature higher premiums than liability-only insurance. A full-coverage policy includes standard coverage plus:
- Comprehensive Coverage: This insurance covers the cost of repairing your car if it becomes damaged from non-accident related occurrences like vandalism and fire.
- Collision Coverage: If you are at fault in an accident, this coverage pays the cost of repairing your car.
For drivers with old vehicles, state minimum car insurance may be the best option, due to its low premiums. A full-coverage policy may be too costly and your rate may be more than the monetary value of the car itself.
Compare Car Insurance Rates in Alexandria
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Alexandria for Minimum Coverage
Drivers in Alexandria looking for cheap coverage can consider purchasing coverage that only meets state minimums. On average, the most affordable providers in the city for this coverage are:
- Progressive: $345 per year
- GEICO: $372 per year
Drivers with a military background, along with their families, can opt for policies from USAA. This company features the cheapest liability-only coverage in Alexandria at an average of $341 per year.
The highest average rate for state minimum insurance comes from Metlife. Drivers pay $627 per year, which is almost double what Progressive policyholders pay on average.
The state minimum policy does not include comprehensive and collision insurance. Costs also varied depending on each driver’s profile. Use the following table to see how prices change across varying limits.
Cheapest Minimum Liability Car Insurance in Alexandria
State Minimum
- CompanyState Minimumper year
- 1.$341
- 2.$345
- 3.$372
- 4.$374
- 5.$428
If you get a state minimum insurance policy in Alexandra, you need to ensure that it has coverage limits of at least 25/50/20, as well as uninsured motorist coverage with the same amounts.
State minimum insurance is the most affordable, but it provides the lowest level of protection in an accident. If the liability costs in an accident are higher than the policy limits, you will pay the extra amount yourself. For example, if the medical costs for the parties injured in the accident amount to $70,000, you will pay $20,000 out of pocket.
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.
Cheapest Car Insurance in Alexandria if You Have Driving Violations
Having a traffic violation on your driving record greatly affects the cost of car insurance. Insurers charge different rates for different violations.
According to MoneyGeek, the cheapest providers in Alexandria for drivers with a DUI, speeding ticket or at-fault accident are:
- Cheapest After a Ticket: Progressive, $690 per year
- Cheapest After an At-Fault Accident: Progressive, $898 per year
- Cheapest After a DUI: Progressive, $726 per year
You can lower your rates over time by avoiding improving your driving habits. You may also need to compare prices between insurers to get the most affordable insurance for a bad driving record.
Cheapest Car Insurance in Alexandria With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$690
- 2.$695
- 3.$739
- 4.$826
- 5.$872
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.
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.
Compare Car Insurance Rates in Alexandria
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Alexandria
MoneyGeek researched and found the best car insurance companies in Alexandria by reviewing average rates, claims ratings and user satisfaction scores. According to these factors, the top-rated car insurance companies in Alexandria are
- Progressive: MoneyGeek score of 91.8 out of 100
- Erie: MoneyGeek score of 91.4 out of 100
Since USAA only caters to military members and their families, MoneyGeek didn’t include it in this analysis. However, USAA earned a MoneyGeek score of 92.6 out of 100, making it the best car insurance company in Alexandria for military members and their families.
1
Erie
Score:100
In Alexandria, Erie ranks high in customer satisfaction, claims rating and affordability making it the second-best full car coverage in Alexandria. Erie offers add-ons such as rental car/travel reimbursement and new car replacement. It costs roughly $707 annually.
More About Erie
Erie offers new car replacement, which is not often found in other insurance providers in Alexandria. This endorsement ensures that if your vehicle gets totaled, it will be replaced with the newest model year if you’ve had your car for less than two years. Additionally, if you’ve had your car longer than two years, you’ll get a model that’s two years newer.
Read MoneyGeek's Erie auto Insurance Review2
Progressive
Score:80
Progressive received a high score in affordability, stability and claims rating. This insurance provider offers custom parts coverage as a unique add-on to supplement their coverage. It charges an average of $517 annually in Alexandria.
More About Progressive
Progressive offers the unique coverage of custom parts and equipment (CPE) coverage in Alexandria. This repairs or replaces items that you add to your cars like stereo, navigation system, custom wheels and more. Progressive also offers roadside assistance, rental car/travel reimbursement and rideshare insurance. Roadside assistance helps you pay for fixing flat tires, towing or lockout services. Rental car/travel reimbursement covers the cost to rent a car if your vehicle isn’t usable for over 24 hours due to a covered accident.
Read MoneyGeek's Progressive auto Insurance ReviewAverage 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
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.
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