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.
bestauto insuranceNewport News2021The Cheapest and Best Car Insurance in Newport News
Cheapest Overall - Progressive
Best Overall - GEICO
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Progressive
The Cheapest Car Insurance Companies in Newport News
For a full coverage car insurance policy in Newport News, the two cheapest insurance companies are:
- Progressive: $472
- USAA: $640 (only serving current and former military members)
For this study, MoneyGeek used a sample driver profile. The driver, in this case, is a 40-year-old male with a full coverage policy that includes liability and comprehensive collision coverage.
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- CompanyAmountper year
- 1.$472
- 2.$640
- 3.$646
- 4.$661
- 5.$685
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.
The Best Car Insurance Companies in Newport News
MoneyGeek analyzed and ranked insurers in Newport News to help city drivers find an insurance company that balances affordability and quality service. According to the scoring system, the two best companies for most drivers are:
- GEICO: MoneyGeek score of 93 of 100
- Hartford: MoneyGeek score of 88 of 100
USAA received the highest score in Newport News by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
For this scoring system, MoneyGeek used various factors, including data from J.D. Power's affordability, financial stability and user satisfaction ratings.
1
USAA
Score:100
2
GEICO
Score:93
3
Hartford
Score:88
4
State Farm
Score:85
5
Travelers
Score:85
6
Progressive
Score:80
7
Nationwide
Score:78
8
Farmers
Score:75
9
CSAA
Score:75
10
Allstate
Score:75
11
Plymouth Rock Assurance
Score:73
12
Liberty Mutual
Score:73
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 the best car 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 quotes on a regular basis to see which one fits your needs.
Shopping around for car insurance in Newport News could save you $267, which is enough to buy:
89Cups of Coffee
21Months of Your Favorite Streaming Service
Cheapest Car Insurance in Newport News by Coverage Amount
One of the most important factors influencing insurance costs in Newport News and elsewhere is the amount of coverage you purchase. In Newport News, a state minimum liability policy covering bodily injuries and property damage costs an average of $408 annually. A full coverage policy with higher liability limits costs an average of $739 annually, which is a difference of $332.
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.
You can choose from several different coverage levels when purchasing car insurance in Newport News. If you’re seeking the cheapest car insurance, you might be interested in a state minimum liability package from Progressive for $316 on average.
Insurers also offer 50/100/50 policies, which provide $50,000 for injuries per person, $100,000 for injuries per accident and $50,000 for property damage. Progressive’s 50/100/50 liability-only policy costs an average of $337, while 50/100/50 full-coverage plans typically cost around $429.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$316$337
- 2.$322$368
- 3.$345$387
- 4.$343$381
- 5.$376$437
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$429$472
- 2.$598$640
- 3.$602$646
- 4.$607$661
- 5.$629$703
Cheapest Car Insurance in Newport News if You Have Driving Violations
Your driving record is a key factor in determining how much you will pay for car insurance in Newport News. Speeding tickets, at-fault accidents and DUIs can significantly increase your rates. For instance, a driver with a clean record can get Nationwide coverage for an average of $685 per year.
A speeding ticket adds $152 on average, while an at-fault accident increases your annual premium by an average of $286. Meanwhile, a DUI adds roughly $452.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$625$809$657
- 2.$769$835$769
- 3.$688$861$1,036
- 4.$773$932$1,162
- 5.$837$971$1,137
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 CodeState Minimumper year
- 23608$734
- 23602$744
Insurance Providers That Serve Newport News
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.
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.
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