Cheapest Car Insurance in Newport News (2026 Rates)

The cheapest car insurance in Newport News is Travelers at $36 a month for minimum coverage and Farm Bureau at $68 for full. Farm Bureau is also cheapest for teen drivers ($138) and DUI ($45 minimum). Travelers is cheapest for seniors ($94 full coverage), speeding tickets ($45) and at-fault accidents ($49). Newport News pays above the Virginia average for full coverage, driven by crime rates above the state average, I-64 congestion and hurricane and flood exposure on the James River peninsula.

Cheapest Monthly Rates by Coverage and Driver Profile in Newport News:

• Cheapest Full Coverage: Farm Bureau $68/month
• Cheapest Minimum Coverage: Farm Bureau/Travelers $36/month
• Cheapest for Teens & Young Adult Drivers (16-25): Farm Bureau $138/month
• Cheapest for Senior Drivers (65+): Travelers $94/month
• Cheapest for Drivers with a Speeding Ticket: Travelers $45/month
• Cheapest for Drivers with an At-Fault Accident: Travelers $49/month
• Cheapest for Drivers with a DUI: Farm Bureau $45/month

Travelers and Farm Bureau are the cheapest car insurance companies in Newport News, both at $36 a month for minimum coverage. Farm Bureau is $1 cheaper for full coverage at $68 versus Travelers' $69, but its required $40 annual membership reverses that advantage. When the membership is factored in, Travelers costs $40 less per year for minimum and $28 less for full, with the higher MoneyGeek score at 95.32 versus Farm Bureau's 89.25.

• Teens & Young Adult Drivers: Farm Bureau at $138 per month
• Adult drivers: Farm Bureau at $68 per month
• Senior drivers: Travelers at $94 per month

Farm Bureau is cheapest for young drivers ages 16 to 25 in Newport News at $138 a month ($1,660 annually) for full coverage, with Travelers the second cheapest at $163, $25 more per month and $300 more per year.

The $40 Farm Bureau membership is per household, not per driver, so families already enrolled pay no extra fee for a teen. Families not yet enrolled should compare Farm Bureau's true annual cost ($138 × 12 + $40 = $1,700) against Travelers' $1,960 before deciding.

Travelers is cheapest for Newport News seniors at $94 a month ($1,127 annually) for full coverage, with Farm Bureau the second cheapest at $104, $10 more per month.

At $10 apart, the Farm Bureau membership changes the comparison. Farm Bureau's true annual senior cost is $104 × 12 + $40 = $1,288 versus Travelers' $1,127, a $161 annual saving for Newport News seniors who choose Travelers. Auto-Owners is close at $115 a month and ranks first for customer experience in Newport News, worth quoting for seniors who expect to file claims after a storm or accident.

Completing a Virginia-approved defensive driving course qualifies most senior drivers for a rate reduction for three years, so confirm the discount with your insurer before your next renewal.

Travelers is cheapest after speeding tickets ($45 minimum) and at-fault accidents ($49 minimum), while Farm Bureau is cheapest after a DUI at $45 minimum, $8 less than Travelers' $53. The cheapest company in Newport News depends on which violation is on your record.

Virginia requires an FR-44 filing after a DUI, not an SR-22, which doubles the required minimum liability limits for three years from reinstatement. Virginia places no cap on how long a DUI surcharge stays in place, so get new quotes at each renewal rather than waiting for the FR-44 period to end. For speeding tickets and at-fault accidents, the surcharge window is three to five years. Travelers wins both categories in Newport News and is the first quote to pull after either violation.

Travelers' speeding surcharge raises minimum coverage 25%, from $36 to $45, and its at-fault surcharge raises it 36%, from $36 to $49. Farm Bureau's DUI rate of $45 matches its clean speeding rate, an unusually narrow increase for a serious violation.

After a DUI, Farm Bureau's $45 minimum rate appears $8 cheaper than Travelers' $53, but that $8 gap is narrower than Farm Bureau's $40 annual membership fee. A Newport News driver without a membership who has a DUI should compare the true annual cost before deciding. Farm Bureau comes to $580 ($540 + $40 membership) versus Travelers' $636, a real but smaller advantage than the surface rates suggest.

Newport News drivers pay $103 a month for full coverage and $58 for minimum, $11 and $7 above Virginia's statewide averages of $92 and $51. Travelers at $69 undercuts both the city average by $34 and the Virginia state average by $23. A Newport News driver who chooses Travelers pays less than most Virginia drivers pay statewide.

Newport News property crime affects about 2.5% of residents, above the US average of 2.1% and well above Virginia's 1.6%, pushing comprehensive claims above what the state average would suggest. The city is bordered by the James River and Chesapeake Bay tributaries, where hurricane remnants, nor'easters and flooding generate weather-related claims that most inland Virginia cities don't see. Virginia raised its minimum liability requirements to 50/100/25 effective January 1, 2025, adding to the baseline cost that all Newport News drivers carry.

Travelers wins most standard driver categories in Newport News, but Farm Bureau's pricing for teens and DUI records makes it worth comparing across all four picks below.

Newport News pays $11 more per month than the Virginia state average for full coverage. The gap between the cheapest and most expensive carrier in this market is $30 a month for full coverage, larger than the city-to-state gap.

Our Newport News FAQ section clarifies insurance options and pricing to help you secure affordable coverage.

We collected car insurance rates for both minimum and full coverage across all residential ZIP codes in Newport News, using a baseline adult driver with a clean record. The five companies in this analysis (Farm Bureau, Travelers, Auto-Owners, Mercury Insurance and GEICO) represent the most affordable carriers operating in Newport News. For violation and age profiles, we expanded the analysis to include Erie Insurance and Penn National Insurance to show the full rate range.

Virginia is an at-fault state. It does not require personal injury protection. The state minimum liability coverage is 50/100/25 ($50,000 bodily injury per person, $100,000 per accident, $25,000 property damage), effective January 1, 2025, plus mandatory uninsured and underinsured motorist coverage matching those limits.

A DUI conviction in Virginia triggers an FR-44 filing, not an SR-22. The FR-44 doubles the required minimum liability limits for three years from license reinstatement. Virginia has no state limit on how long an insurer may keep a DUI surcharge in place.

Virginia permits gender and credit score as auto insurance rating factors. Farm Bureau requires a $40 annual membership to purchase a policy. This cost is not reflected in the monthly rates shown in our tables. USAA is excluded from our analysis because its policies are available only to military members and their families. Read more on MoneyGeek's auto insurance analysis methodology.