Cheapest and Best Car Insurance Companies in Alexandria, VA

American Family provides the most affordable full coverage and minimum coverage insurance in Alexandria. Nationwide is the cheapest for teens. Cincinnati Insurance is the best overall insurer, for customer service, for cheap policies and for those with a speeding violation. State Farm is the cheapest after a DUI conviction and Auto-Owners Insurance Co after an at-fault accident history. USAA is the cheapest for military members.

Your driving profile and needs will determine your cheapest insurer.

The following companies offer the least expensive insurance in Alexandria for a policy with minimum coverage:

• American Family: approximately $330 per year
• Mercury: approximately $343 per year

At around $1,392 per year, Kemper offers the most expensive minimum coverage insurance. American Family also offers the cheapest car insurance in Virginia as of October 2022 at $243 per year, which is significantly less than the average cost in Alexandria. This shows that location can have a significant impact on insurance prices.

Every state establishes its own minimum liability coverage limits. The following are the minimum limits for Virginia’s drivers:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $20,000 uninsured/underinsured motorist property damage coverage per accident

Liability-only insurance will only cover damages to others and their property. Your insurer will pay up to $25,000 for each victim's medical expenses in the event that you cause an accident and have the state minimum coverage, up to a total of $50,000 per accident. You are responsible for the remaining balance.

The following insurance providers give Alexandria motorists the most cost-effective full coverage auto insurance:

• American Family: approximately $668 per year
• Virgin Farm Bureau: approximately $784 per year

With an average cost of $2,361 per year, Kemper is the most expensive full coverage insurance company. American Family is also the cheapest for full coverage insurance in Virginia as of October 2022, with an average yearly cost of $601, which is slightly less than in Alexandria. Your location in Virginia will have an impact on your rates.

Full coverage insurance includes comprehensive and collision protection in addition to increased liability limits.

• Collision Insurance: Covers damage to your vehicle caused by colliding with an object or any vehicle.
• Comprehensive Insurance: Covers damage to your vehicle caused by events besides collisions, such as vandalism, theft or bad weather.

Having full coverage insurance is the best way to safeguard your new vehicle, but the hundreds of dollars in extra annual rates for full coverage may not be justified for older vehicles.

Our research identified the cheapest full coverage insurance providers in Alexandria for drivers with the following traffic violations:

• Speeding ticket: Cincinnati Insurance (approximately $925 per year)
• At-fault accident: Auto-Owners Insurance Co (approximately $894 per year)
• DUI: State Farm (approximately $934 per year)

National General offers the highest premium for drivers with moving violations, costing around $4,186 per year after an at-fault accident and speeding ticket and $2,960 after a DUI. Keep in mind that the cost of auto insurance goes up after any moving offense, even with the cheapest insurer.

Higher premiums might be charged based on the gravity of the underlying driving offense. In the city of Alexandria, drivers with a DUI conviction pay at least $751 more for auto insurance than drivers with clean records, while those who have accrued speeding tickets pay around $487 more. Nonetheless, it is possible to get affordable auto insurance despite having a poor driving record.

The following insurers typically provide the cheapest deals in Alexandria when adding a teenage driver to a family policy:

• Nationwide: approximately $1,255 yearly for female teens and $1,395 for male teens
• State Farm: approximately $1,889 yearly for female teens and $2,394 for male teens

Kemper, the city’s most expensive insurer for female and teens, may cost around $8,488 and $10,576 per year, respectively. As evidenced by the $140 price difference with the cheapest insurer in Alexandria, male teenagers constitute a greater risk to insurers, so their premiums are typically more expensive. This difference does tend to taper off in early adulthood.

Adding a teen driver to a family policy is a way to save money on auto insurance, as the costs for them individually purchasing insurance can be much higher. For example, a male teen obtaining insurance on his own in Alexandria could pay $2,272 more than being on a family policy. By shopping around for the best and cheap rates for adding a teen driver to the family policy, families can save thousands of dollars each year.

The most affordable military auto insurance in Alexandria is offered by the following companies, which serve both active duty and veteran service members and their families:

• USAA: approximately $650 per year
• American Family: approximately $668 per year

These costs are for full coverage insurance in the city. If you just need the minimum necessary in terms of coverage, the cheapest providers are still the same. Minimum coverage from USAA is priced at roughly $320 yearly, while American Family is around $10 higher.

It may take some time to compare car insurance prices online. It is common practice to provide a great deal of personal data, and getting insurance quotes from a single provider may take as long as 15 minutes.

Using data like your age, type of vehicle, driving record and coverage level, MoneyGeek's car insurance calculator can quickly determine your premiums with many providers.

The best insurance depends on your needs for customer service, affordability and other aspects. The top insurers in Alexandria are:

• Best overall: Cincinnati Insurance (MoneyGeek score 86 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score 74 out of 100)
• Best cheap: Cincinnati Insurance (MoneyGeek score 87 out of 100)

MoneyGeek ratings vary based on the weightings in each category. Progressive has the best car insurance in Virginia. USAA is one of the city’s best military car insurance options, scoring 85 out of 100.

When considering service quality, claims management and other variables, MoneyGeek rated the following companies as the best overall auto insurers in Alexandria:

• Cincinnati Insurance: MoneyGeek score 86 out of 100 (approximately $795 per year)
• American Family: MoneyGeek score 80 out of 100 (approximately $668 per year)

Cincinnati Insurance scored well in satisfaction and affordability, showing it can successfully balance these two important factors.

The best auto insurer for military families is USAA. It scored 85 out of 100 in MoneyGeek's scoring system.

When selecting the best auto insurance providers in Alexandria (with the most customer satisfaction ratings), MoneyGeek did not include the affordability of the insurer. Our analysis scored the following two as the best for customer service:

• Cincinnati Insurance: MoneyGeek score 74 out of 100 (approximately $795 per year)
• Erie: MoneyGeek score 70 out of 100 (approximately $854 per year)

Cincinnati Insurance excels in customer satisfaction and coverage options in Alexandria. It did also score well in affordability, so you don’t have to pay extra for excellent service.

According to our study, the following Alexandria car insurance companies offer the minimum coverage required by Virginia law while also excelling in cost and service quality:

• Cincinnati Insurance: MoneyGeek score 87 out of 100 (approximately $372 per year)
• American Family: MoneyGeek score 83 out of 100 (approximately $330 per year)

The lowest rates are often associated with plans that provide the minimum coverage, but this also makes you responsible for more expenses related to medical bills and auto repairs, meaning this level of coverage could end up being expensive if you are in an accident.

In Alexandria, the average cost of car insurance is $1,011 yearly, $71 more than the state average of $940 but $254 lower than the national average as of October 2022. These premiums are for full coverage insurance with $100,000 per person and $300,000 per accident in bodily injury liability as well as $100,000 in property damage liability.

While Alexandria’s average car insurance is not significantly higher than Virginia’s average car insurance, costs may vary depending on your location.