bestauto insuranceNewport NewsCompare the Cheapest Car Insurance Quotes in Newport News, VA
The average annual car insurance cost in Newport News is $739, which is slightly lower than Virginia’s state average. MoneyGeek rated various insurers in Newport News based on the level of coverage and driver profile. Progressive is the cheapest widely available insurer. MoneyGeek has recommendations on the best insurers in Newport News for drivers looking for a balance of affordability and cost.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/6/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
MoneyGeek considers Progressive the best car insurance company for balancing affordability and quality service in Newport News. On cost alone, Progressive averages the cheapest rates and is the best option for state minimum coverage or with a speeding ticket. USAA may be the cheapest for the military. The best insurer for you depends on your profile and coverage needs.
bestauto insuranceNewport NewsThe Cheapest and Best Car Insurance in Newport News
Cheapest Overall - Progressive
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Progressive
Best Overall - Progressive
Methodology
MoneyGeek’s study on the best car insurance companies in Newport News used data from J.D. Power, the National Association of Insurance Commission (NAIC) and AM Best.
The Cheapest Car Insurance Companies in Newport News
In Newport News, you can find the cheapest full coverage car insurance from the following companies:
- Progressive: $472 average per year
- GEICO: $646 average per year
USAA is another affordable option with a full coverage policy costing roughly $640 annually for eligible military personnel.
MetLife offers the most expensive full coverage car insurance in Newport News. The policy, at around $1,022 annually, costs roughly 116% more per year than Progressive.
Full coverage car insurance includes collision and comprehensive coverage on top of liability. The liability limits help determine the rate.
Cheapest Car Insurance in Newport News
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$472
- 2.$640
- 3.$646
- 4.$661
- 5.$685
MoneyGeek completed its analysis using a 40-year-old driver’s profile with a full coverage car insurance policy in Newport News, which our methodology explains.
Aside from liability, full coverage car insurance includes comprehensive and collision coverage. These make your policy premium more than minimum coverage but protect you by covering the cost of car damage.
- Comprehensive coverage: covers theft and non-collision damage
- Collision coverage: pays for repairs in an at-fault accident
With an older car, you may pay more than its value for a full coverage policy. In these situations, a liability-only or minimum coverage policy may be better and cheaper.
Compare Car Insurance Rates in Newport News
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Newport News for Minimum Coverage
The most affordable insurance you can purchase in Newport News is a minimum coverage policy. The following, on average, offer the cheapest minimum coverage rates in Newport News:
- Progressive: $316 per year
- Erie: $343 per year
USAA is the second cheapest at roughly $322 per year, but you need to be a current or former military member to be eligible.
The most expensive minimum coverage policy in Newport News is from MetLife at around $602 per year, $286 more than Progressive.
Having minimum coverage saves you money but offers the least protection with low liability limits and no comprehensive or collision insurance.
The table below shows how higher liability limits affect rates.
Cheapest Minimum Liability Car Insurance in Newport News
State Minimum
- CompanyState Minimumper year
- 1.$316
- 2.$322
- 3.$343
- 4.$345
- 5.$376
You must have a policy meeting Virginia’s minimum car insurance requirements, 25/50/20 in liability and uninsured motorist coverage. This minimum coverage policy is the cheapest option in Newport News and saves you money, but with little protection, you may pay out of pocket in an accident.
For example, if your policy covers property damage of $20,000 and you cause an accident totaling $50,000 worth of repairs, you have to pay $30,000.
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 Newport News if You Have Driving Violations
A DUI, an at-fault accident or a ticket raises your car insurance premium in Newport News. On average, the companies offering the cheapest policy for drivers with a violation in Newport News are:
- Cheapest after a ticket: Progressive, $625 per year
- Cheapest after an at-fault accident: Progressive, $809 per year
- Cheapest after a DUI: Progressive, $657 per year
Newport News drivers with violations can improve their driving record over time to get a better rate. In the meantime, compare rates to find the car insurance company that offers a good deal.
Cheapest Car Insurance in Newport News With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$625
- 2.$646
- 3.$688
- 4.$769
- 5.$773
Average Cost of Car Insurance in Newport News
Newport News$739
Virginia$790
U.S.$1,424
The average annual car insurance premium in Newport News is $739. This rate is 6.5% lower than the Virginia state average and 48.1% cheaper than the typical car insurance premium in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Newport News
Your personal background will determine the amount you will need to pay for good auto insurance. Insurers evaluate your age, marital status, location, credit score, driving history and vehicle type, among others. Your rates may increase or decrease as your circumstances change. To get the most affordable insurance rate in Newport News, compare personalized auto insurance quotes on a regular basis to see which one fits your needs.
Compare Car Insurance Rates in Newport News
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Newport News
MoneyGeek evaluated the best car insurance companies in Newport News based on average rates, claims ratings and user satisfaction. From this analysis, we identified the two top companies:
- Progressive: MoneyGeek score of 92 out of 100
- Erie: MoneyGeek Score of 90 out of 100
We excluded USAA from our rankings since its policies are only available to present and former military members and their families. However, with a MoneyGeek score of 90, it’s your third-best option if you qualify.
1
Progressive
Score:92
Although it only ranks fourth in claims satisfaction and even lower in user experience, Progressive takes the top spot in MoneyGeek’s list of the best auto insurance companies in Newport News. It ranks first in affordability, with a policy costing $472 per year. You can also get several add-on coverages, such as custom parts coverage.
More About Progressive
You can customize your car insurance in Newport News by choosing among the seven add-on coverages that Progressive offers.
Progressive’s custom parts coverage is rarely offered by other insurers. It’s an excellent option for drivers that have aftermarket equipment installed in their vehicles. The insurer covers all aftermarket accessories up to a $5,000 limit.
You can also add a deductible modification coverage, which lowers the cost of your comprehensive and collision deductible by $50 for every six months you go without a driving violation.
Read MoneyGeek's Progressive auto Insurance Review2
Erie
Score:90
Next on our list is Erie, which ranks first in customer satisfaction and second in claims and affordability. On average, a policy costs $661 per year. Erie has fewer add-on coverages than Progressive, but it offers better car replacement, which is rare among insurers.
More About Erie
Out of Erie’s four add-on coverages, only one is common. Of these, the most unique is better car replacement. With this coverage, Erie will replace a totaled car less than two years old with the newest model year. If you’ve had your car for more than two years, you’ll get a model that’s two years newer.
You may also consider adding accident forgiveness to your policy, which prevents your premium from increasing after your first at-fault accident. To qualify, you must be claims-free with Erie for at least three years.
Read MoneyGeek's Erie auto Insurance Review3
State Farm
Score:87
4
GEICO
Score:83
5
Nationwide
Score:73
6
Travelers
Score:67
7
Mercury
Score:46
8
Allstate
Score:40
9
MetLife
Score:24
Average Cost of Car Insurance by Postal Code
Your ZIP code within Newport News can also affect your car insurance premium. This is because different neighborhoods have different rates of car thefts, uninsured motorists, accidents and even weather events.
However, there is not much variance between auto coverage costs within Newport News. In the 23608 ZIP code, drivers pay around $734 per year, whereas drivers in the 23602 neighborhood pay an average of $10 more.
- Zip CodeState Minimumper year
- 23608$734
- 23602$744
Factors That Impact Insurance Costs in Newport News
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 Newport News. How Newport News ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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