Updated: November 21, 2025
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Travelers offers the cheapest car insurance in Newport News at $429 per year for minimum coverage and $825 per year for full coverage. Other insurers serving Newport News include Farm Bureau, Auto-Owners and State Farm.
Newport News drivers pay an average of $694 per year for minimum coverage and $1,230 per year for full coverage.
Travelers also offers the cheapest car insurance in Virginia at $360 per year for minimum coverage and $733 per year for full coverage.
Travelers provides Newport News' cheapest minimum coverage at $429 per year, 38% below the city average of $694. Full coverage costs $825 annually with Travelers versus Newport News' average of $1,230.
Farm Bureau offers another affordable choice at $434 for minimum coverage and $816 for full coverage. Travelers' rates save Newport News drivers roughly $22 monthly for minimum coverage compared to typical city premiums.
| Farm Bureau | $36 | $68 | -38% |
| Travelers | $36 | $69 | -37% |
| Auto-Owners | $43 | $77 | -28% |
| Mercury | $55 | $92 | -12% |
| GEICO | $53 | $98 | -10% |
Adult drivers in Newport News access the most affordable rates at $429 annually with Travelers. Senior drivers pay $603 per year with Travelers. Young drivers face premiums of $913 annually with Farm Bureau, more than double adult rates. Â
Travelers is top for adult and senior drivers, while Farm Bureau is the best option for young drivers.
Young drivers get the best premiums with Farm Bureau and Travelers, which start at $76 and $82 per month.
| Farm Bureau | $76 | $913 | -51% |
| Travelers | $82 | $987 | -47% |
| Auto Owners | $97 | $1,164 | -37% |
| Erie Insurance | $101 | $1,218 | -34% |
| Geico | $110 | $1,317 | -29% |
For adults aged 26 to 64, Travelers offers the cheapest coverage. Its rates are lower than the city average. State Farm and GEICO follow and offer affordability in the city.
| Travelers | $36 | $429 | -41% |
| Farm Bureau | $36 | $434 | -40% |
| Auto Owners | $43 | $521 | -28% |
| State Farm | $51 | $607 | -16% |
| Erie Insurance | $51 | $613 | -15% |
If you are a senior, you can get the most affordable premiums from Travelers, which charges $50 per month ($603 annually) for minimum coverage and $94 per month ($1,127 annually) for full coverage.
| Travelers | $50 | $603 | -42% |
| Farm Bureau | $64 | $773 | -26% |
| Penn National Insurance | $66 | $790 | -24% |
| State Farm | $66 | $793 | -24% |
| Auto Owners | $71 | $846 | -19% |
High-risk drivers in Newport News can get low premiums from Penn National, Farm Bureau and Travelers.
Drivers with bad credit find the lowest premiums from Penn National, with rates starting at $93 per month for minimum coverage and $203 for full coverage.
| Penn National Insurance | $94 | $1,127 | -33% |
| Auto Owners | $98 | $1,174 | -30% |
| Erie Insurance | $99 | $1,190 | -29% |
| Geico | $109 | $1,310 | -22% |
| Farm Bureau | $111 | $1,337 | -20% |
Farm Bureau offers the cheapest auto insurance for drivers with a DUI, charging $45 per month for minimum coverage.
| Farm Bureau | $45 | $545 | -61% |
| Travelers | $53 | $634 | -55% |
| State Farm | $55 | $658 | -53% |
| Auto Owners | $75 | $897 | -37% |
| Allstate | $98 | $1,182 | -16% |
If you have an at-fault accident, you can get the best pricing with Travelers, which offers coverage starting at $49 per month.
| Travelers | $49 | $582 | -48% |
| Farm Bureau | $51 | $615 | -45% |
| State Farm | $60 | $718 | -36% |
| Auto Owners | $60 | $724 | -35% |
| Penn National Insurance | $71 | $856 | -23% |
For speeding violations, Travelers is the cheapest. The minimum liability coverage averages $45 per month, while full coverage costs approximately $94 per month.
| Travelers | $45 | $535 | -42% |
| Auto Owners | $48 | $577 | -37% |
| Farm Bureau | $54 | $650 | -29% |
| State Farm | $55 | $658 | -28% |
| Erie Insurance | $58 | $699 | -24% |
Travelers ranks as Newport News' best insurance company with a MoneyGeek score of 95, combining low rates with strong customer service. Auto-Owners follows at 95, offering reliable coverage and efficient claims processing.
Both insurers demonstrate excellent financial strength and fair treatment of policyholders. Travelers' slight edge comes from its optimal balance of affordability and service quality, making it the preferred choice for Newport News residents seeking comprehensive protection.
| Travelers | 95 | 2 | 3 | 5 |
| Auto-Owners | 95 | 3 | 1 | 7 |
| Erie Insurance | 91 | 6 | 2 | 3 |
| Farm Bureau | 89 | 1 | 5 | 9 |
| Mercury | 85 | 4 | 7 | 6 |
Strong customer satisfaction scores
Multiple coverage customization options
Competitive rates across driver types
Limited office locations
Fewer add-on coverage options
Travelers ranks first in Newport News for its competitive rates and quality service. The company charges less than the city average. It offers smooth claims processing and helpful support.
Top-rated customer service
Quick claims processing
Strong digital tools
Higher than average rates
Limited availability in some areas
Auto-Owners earns the second spot in Newport News. This is because of its customer service record. While rates run slightly above the city average, customers benefit from support and claims handling.
Newport News drivers pay an average of $694 per year for minimum coverage and $1,230 per year for full coverage. These rates fall below Virginia statewide averages, reflecting the city's moderate risk profile and competitive insurance market.
Travelers' premiums of $429 for minimum coverage and $825 for full coverage sit significantly below city averages. This represents potential savings of $265 annually for minimum coverage and $405 for full coverage versus typical Newport News rates.
| Full Coverage | $103 | $1,230 |
| Minimum Coverage | $58 | $694 |
In Newport News, car insurance rates by ZIP code range from $52 to $115 per month. ZIP code 23601 is the most expensive, while 23603 is the cheapest. Check the average rates for your ZIP code below.
| 23601 | $71 | $115 |
Our step-by-step guide will show you how to decrease your rates.
Use our car insurance coverage needs calculator to get a personalized recommendation.
Beyond standard types of car insurance, consider pay-per-mile coverage or non-owner insurance for occasional driving.
Research average vehicle insurance costs in Newport News to set realistic expectations.
Look for every car insurance discount. Consider bundling multiple policies or getting multi-car discounts.
Check customer reviews specific to Newport News and Virginia. Consider each company's financial strength and ability to pay claims promptly.
Contact at least three different insurance providers to compare rates.
Set a yearly reminder to review your car insurance policy.
Car insurance rates in Newport News depend on your driving record, credit score and coverage needs. Farm Bureau and Travelers offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Get straight answers about finding affordable car insurance in Newport News. Our research team breaks down coverage options and money-saving opportunities to help you secure the right protection at the lowest rates.
Travelers offers minimum coverage at $429 annually in Newport News, while Farm Bureau provides full coverage at $816. Rates vary by personal factors, so compare quotes from multiple insurers.
Travelers leads Newport News insurance providers with a MoneyGeek score of 95 out of 100, scoring one point above Auto-Owners. Travelers excels in both affordability and quality service.
In Newport News, drivers pay $1,230 per year for full coverage and $694 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Car insurance in Newport News costs more than average, ranking 827th for minimum coverage affordability and 244th for full coverage compared to other Virginia cities.
To help Newport News drivers find the most affordable auto insurance companies, MoneyGeek analyzed Newport News auto insurance rates based on data and information from the Virginia Bureau of Insurance and Quadrant Information Services. We studied all ZIP codes in Newport News and hundreds of thousands of quotes for 12 companies offering auto insurance in Virginia to tailor options as closely as possible to you.
Newport News Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Newport News 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 Newport News
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 Newport News 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.
