Cheapest and Best Car Insurance Companies in Newport News, VA

Your record and needs will determine the best car insurance company for you. American Family is the cheapest option in Newport News for minimum and full coverage and military families. Auto-Owners Insurance Co is the cheapest for drivers with speeding tickets and at-fault accidents. State Farm is the cheapest for drivers with DUI, and Nationwide is the most affordable insurer for teens.

If you value quality service, Cincinnati Insurance is ranked as the best option.

The following insurance companies offer the cheapest auto insurance in Newport News for a minimum coverage policy:

• American Family: approximately $266 per year
• Mercury: approximately $277 per year

Kemper offers the most expensive premiums at approximately $1,263 per year. American Family is also the cheapest auto insurance in Virginia, costing approximately $260 per year as of October 2022. This price change between the city and state costs demonstrates how location impacts premiums.

Virginia required that all drivers carry bodily injury, property damage and uninsured/underinsured motorist coverage. Drivers must have the following:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $20,000 uninsured/underinsured motorist property damage coverage per accident

Minimum coverage protects drivers from significant expenses in the event of an accident. In Virginia, the insurance company will provide coverage of $25,000 per person, $50,000 per accident and $20,000 for property damage. In the event that expenses exceed the specified limits, the at-fault driver will pay the difference.

The cheapest auto insurance companies for full coverage in Newport News are:

• American Family: approximately $570 per year
• Auto-Owners Insurance Co: approximately $707 per year

Kemper has the highest rates in the city, coming in at $2,129 per year. American Family also offers the cheapest full coverage auto insurance in Virginia at $666 per year as of October 2022. This is more expensive than the city cost, demonstrating that prices can vary based on your location.

Full coverage policies provide additional protection because they include both collision and comprehensive insurance.

• Collision Insurance: Drivers are protected in case of a collision with another vehicle or object.
• Comprehensive Insurance: Covers damages to your vehicle caused by non-collision accidents.

Individuals with newer cars may consider purchasing full coverage as it safeguards their investment. However, drivers with older vehicles may not find it cost-efficient.

The following are the most affordable auto insurance companies in Newport News for drivers with a driving offense:

• Speeding ticket: Auto-Owners Insurance Co (approximately $785 per year)
• At-fault accident: Auto-Owners Insurance Co (approximately $707 per year)
• DUI: State Farm (approximately $832 per year)

At roughly $3,356 per year, National General has the costliest premiums for drivers with speeding tickets and at-fault accidents. Cincinnati Insurance is the most expensive insurer for drivers with a DUI, charging around $2,867 per year. Drivers with traffic offenses generally pay more than those with a clean driving record.

The cost of auto insurance will usually increase following a serious traffic offense. Premiums in Newport News can increase by around $612 after a DUI or $373 after a speeding ticket. By comparing rates, drivers can still obtain cheap car insurance with a bad driving record.

The cheapest auto insurance providers in Newport News for a 16-year-old driver on their family policy are:

• Nationwide: approximately $1,117 per year for female teens and $1,242 per year for male teens
• State Farm: approximately $1,680 per year for female teens
• Auto-Owners Insurance Co: approximately $2,109 per year for male teens

The most expensive insurer is Kemper, which costs $7,612 per year for female teens and $9,484 per year for male teens. Male teens are frequently charged a higher insurance rate since they are viewed as high-risk, as demonstrated by the $125 price difference with Nationwide, but these rates generally decrease in early adulthood.

Adding a teen to your family's policy is a great approach to save money. Estimates for a 16-year-old male in Newport News on a family policy are approximately $2,272 less per year than if they buy their own policy. You can get the cheapest auto insurance for teenagers by comparing different providers.

The following are the cheapest auto insurance companies for military members, veterans and their families:

• American Family: approximately $570 per year
• USAA: approximately $634 per year

These premiums are for insurance with full coverage. American Family also has the cheapest minimum coverage rates for military members, at around $266 per year, with Mercury coming in second at roughly $277 per year. Mercury edged out USAA for the second spot when it comes to affordable minimum coverage policies in Newport News.

Entering your personal information on the websites of multiple insurance providers might be time-consuming. It can take 15 minutes or more to fill out a single quote tool due to the amount of information required.

MoneyGeek provides an efficient car insurance calculator to assist you in determining auto insurance estimates quickly. Simply enter your vehicle's make and model, age, driving record and desired coverage level.

You may have different preferences and needs than other drivers. Here are the top auto insurance companies in Newport News for different factors:

• Best overall: Cincinnati Insurance (MoneyGeek score 81 out of 100)
• Best for service: Cincinnati Insurance (MoneyGeek score 74 out of 100)
• Best cheap: Cincinnati Insurance (MoneyGeek score 83 out of 100)

Scores for companies can change due to differences in category weightings. Cincinnati Insurance offers the best auto insurance in Virginia.

With a MoneyGeek score of 83 out of 100, USAA is also an excellent choice for individuals with a military background.

For this category, we identified car insurance providers that balance affordability and customer satisfaction. Our top two selections are:

• Cincinnati Insurance: MoneyGeek score 81 out of 100 (approximately $932 per year)
• American Family: MoneyGeek score 80 out of 100 (approximately $570 per year)

Overall, Cincinnati Insurance was ranked as the best insurer due to its outstanding customer service and affordability ratings. With a MoneyGeek score of 83 out of 100, USAA is another ideal option for military personnel.

To pick the company with the best customer service rating, we disregarded pricing. According to our scoring system, the best car insurance companies in Newport News are:

• Cincinnati Insurance: MoneyGeek score 74 out of 100 (approximately $932 per year)
• Erie: MoneyGeek score 70 out of 100 (approximately $792 per year)

Cincinnati Insurance ranked well for satisfaction and coverage options. Its premiums are slightly more expensive than those of other companies, so you may pay slightly more to receive exceptional service.

We picked policies that meet Virginia's minimum coverage requirements. The leading companies with the cheapest rates are:

• Cincinnati Insurance: MoneyGeek score 83 out of 100 (approximately $412 per year)
• American Family: MoneyGeek score 83 out of 100 (approximately $266 per year)

Minimum coverage policies may not provide adequate protection. They solely cover liability fees and do not pay for your vehicle's damages in the event of an accident.

The annual cost of auto insurance in Newport News is approximately $906, which is $33 less than the cost of auto insurance in Virginia. It is also $359 cheaper than the national average cost of auto insurance, which is $1,265 per year as of October 2022.

These rates are for a full coverage policy with limits of $300,000 per accident, $100,000 per person for bodily injury liability and $100,000 per accident property damage liability. Location is one of the factors impacting car insurance premiums.