Compare 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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Last Updated: 5/16/2022
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MoneyGeek considers GEICO 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.

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The Cheapest and Best Car Insurance in Newport News

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
  • Company
    100/300/100per year
  • 1.
    Progressive
    $472
  • 2.
    USAA
    $640
  • 3.
    GEICO
    $646
  • 4.
    Erie
    $661
  • 5.
    Nationwide
    $685
  • 6.
    State Farm
    $703
  • 7.
    Travelers
    $767
  • 8.
    Mercury
    $822
  • 9.
    Allstate
    $875
  • 10.
    MetLife
    $1,022

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-related 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.

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Insurance Rates

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

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

  • Item
    Description
  • 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, at-fault accident or 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

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.

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Insurance Rates

The Best Car Insurance Companies in Newport News

MoneyGeek’s study compared various car insurance providers in Newport News. The best car insurance companies in the city balance affordability and quality service. According to the scoring system, the two best companies for most drivers in Newport News are:

  • GEICO: MoneyGeek score of 93 of 100
  • Hartford: MoneyGeek score of 88 of 100

USAA received the highest score in Newport News. For eligible military members, veterans and their families, a policy with USAA could be the best choice.

For this scoring system, MoneyGeek used various factors, including data from J.D. Power affordability, financial stability and user satisfaction ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
Hartford
Score:87.5

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Travelers
Score:85

2/5

Affordability

5/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

9
CSAA
Score:75

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Plymouth Rock Assurance
Score:72.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

12
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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, while drivers in the 23602 neighborhood pay an average of $10 more.

  • Zip Code
    State 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.

accident2 icon
Most Accidents With Fatalities86th/300
handcuffs2 icon
Most Car Thefts68th/300
uninsured icon
Most Uninsured Motorists by State34th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall57th/300
umbrella icon
Most Rainy Days82nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Newport News 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


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.