Travelers offers Newport News drivers the lowest car insurance rates, with annual premiums of $429 for minimum coverage and $825 for full coverage. Other affordable insurers in the city include Farm Bureau, Auto-Owners and Mercury.
Car Insurance in Newport News
Updated: August 15, 2025
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Key Takeaways
Newport News's cheapest car insurance companies are Farm Bureau, Travelers and Auto-Owners, with savings up to 38% compared to the city average.
In Newport News, monthly car insurance costs average $103 for full coverage and $58 for minimum coverage.
To find the best cheap auto insurance in Newport News, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Newport News?
| Farm Bureau | $36 | $68 | -38% |
| Travelers | $36 | $69 | -37% |
| Auto-Owners | $43 | $77 | -28% |
| Mercury | $55 | $92 | -12% |
| GEICO | $53 | $98 | -10% |
Compare the Cheapest Newport News Car Insurance for You
Car insurance rates change based on your driving history, age and other personal details. Check the table below to find which company offers the lowest rates for your specific profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $82 | $987 | -49% |
| Auto-Owners | $95 | $1,146 | -41% |
| Travelers | $96 | $1,151 | -40% |
| State Farm | $129 | $1,551 | -20% |
| Penn National Insurance | $132 | $1,579 | -18% |
Cheapest Car Insurance by Age Group in Newport News
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Newport News, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Farm Bureau (from $76 per month)
- Cheapest Car Insurance for Adults: Travelers (from $36 per month)
- Cheapest Car Insurance for Seniors: Travelers (from $50 per month)
Cheapest Car Insurance for Young Drivers in Newport News
Farm Bureau and Travelers provide the lowest car insurance rates for young drivers in Newport News, with monthly premiums starting at $76 and $82, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $76 | $913 | -51% |
| Travelers | $82 | $987 | -47% |
| Auto Owners | $97 | $1,164 | -37% |
| Erie Insurance | $101 | $1,218 | -34% |
| Geico | $110 | $1,317 | -29% |
Cheapest Car Insurance for Adult Drivers in Newport News
In Newport News, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 50% on average. State Farm and GEICO also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $36 | $429 | -50% |
| State Farm | $51 | $607 | -29% |
| GEICO | $53 | $638 | -25% |
| Allstate | $65 | $782 | -8% |
| Progressive | $98 | $1,175 | 38% |
Cheapest Car Insurance for Senior Drivers in Newport News
For seniors in Newport News, Travelers offers the most affordable car insurance rates for both coverage types. Minimum coverage costs $50 per month ($603 annually), while full coverage runs $94 monthly ($1,127 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $50 | $603 | -49% |
| State Farm | $66 | $793 | -32% |
| GEICO | $75 | $897 | -24% |
| Allstate | $114 | $1,367 | 17% |
| Progressive | $130 | $1,564 | 33% |
Cheapest Car Insurance for High-Risk Drivers in Newport News
If you're a high-risk driver in Newport News, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: Penn National (from $94 per month)
- Cheapest With a DUI: Farm Bureau (from $45 per month)
- Cheapest With an Accident: Travelers (from $49 per month)
- Cheapest With a Speeding Ticket: Travelers (from $45 per month)
Cheapest Car Insurance for Bad Credit in Newport News
In Newport News, drivers with bad credit can find the cheapest car insurance rates from Penn National, starting at $93 monthly for minimum coverage and $203 for full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Penn National Insurance | $94 | $1,127 | -33% |
| Auto-Owners | $98 | $1,174 | -30% |
| Erie Insurance | $99 | $1,190 | -29% |
| GEICO | $109 | $1,310 | -22% |
| Farm Bureau | $111 | $1,337 | -20% |
Cheapest Car Insurance With a DUI in Newport News
Farm Bureau offers the most affordable car insurance rates in Newport News for drivers with a DUI. You can save up to 61% on minimum coverage and 57% on full coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $45 | $545 | -61% |
| Travelers | $53 | $634 | -55% |
| State Farm | $55 | $658 | -53% |
| Auto-Owners | $75 | $897 | -37% |
| Allstate | $98 | $1,182 | -16% |
Cheapest Car Insurance With an Accident in Newport News
Travelers offers the lowest car insurance rates in Newport News for drivers with an accident, with premiums starting at $49 monthly. Its rates are 48% below the city average for accident coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $49 | $582 | -48% |
| Farm Bureau | $51 | $615 | -45% |
| State Farm | $60 | $718 | -36% |
| Auto-Owners | $60 | $724 | -35% |
| Penn National Insurance | $71 | $856 | -23% |
Cheapest Car Insurance With a Speeding Ticket in Newport News
Travelers offers the most affordable rates in Newport News for drivers with speeding tickets. Their minimum liability coverage costs about $45 monthly, while full coverage with higher limits runs $94 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $45 | $535 | -49% |
| State Farm | $55 | $658 | -38% |
| GEICO | $67 | $808 | -23% |
| Allstate | $86 | $1,033 | -2% |
| Progressive | $125 | $1,504 | 43% |
Best Car Insurance Companies in Newport News
In Newport News, the leading car insurance companies are Travelers, Auto-Owners, Erie Insurance and Farm Bureau. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 95 | 2 | 3 | 5 |
| Auto-Owners | 95 | 3 | 1 | 7 |
| Erie Insurance | 91 | 6 | 2 | 3 |
| Farm Bureau | 89 | 1 | 5 | 9 |
| Mercury | 85 | 4 | 7 | 6 |
Travelers: Best Overall Value
pros
Strong customer satisfaction scores
Multiple coverage customization options
Competitive rates across driver types
cons
Limited office locations
Fewer add-on coverage options
COMPANY HIGHLIGHTS
Travelers ranks first in Newport News for its blend of competitive rates and quality service. The company charges significantly less than the city average for both minimum and full coverage policies. Their strong customer service ratings translate to smooth claims processing and helpful support. Travelers offers the lowest rates for drivers with newer cars and seniors in Newport News.
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Quick claims processing
Strong digital tools
cons
Higher than average rates
Limited availability in some areas
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot in Newport News thanks to its exceptional customer service record. While rates run slightly above the city average, customers benefit from industry-leading support and claims handling. The company particularly excels with specific groups, offering the best rates for drivers with older cars and those with speeding tickets in their history.
How Much Is Car Insurance in Newport News?
In Newport News, minimum coverage costs about $58 per month or $694 per year, ranking 827th out of all Virginia cities for affordability. Full coverage averages $103 monthly or $1,230 annually, ranking 244th among Virginia cities.
| Full Coverage | $103 | $1,230 |
| Minimum Coverage | $58 | $694 |
Compare Personalized Newport News Car Insurance Costs
While basic rate breakdowns help compare costs, the table below lets you filter Newport News car insurance rates by specific combinations of age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $162 | $1,941 | 10% |
Newport News Car Insurance Costs by ZIP Code
In Newport News, car insurance rates by ZIP code range from $52 to $115 per month. ZIP code 23601 is the most expensive, while 23603 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:23601
| 23601 | $71 | $115 |
How to Get the Best Cheap Newport News Car Insurance
Finding affordable car insurance in Newport News can feel overwhelming, especially with Virginia's higher-than-average rates and complex coverage requirements. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2
Explore different coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be more cost-effective. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the average costs
Research average vehicle insurance costs in Newport News to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you leverage when negotiating with insurance providers.
- 4
Check all available discounts
Maximize your savings by exploring every car insurance discount opportunity. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, military discounts and good student discounts can reduce your premium.
- 5
Research company reputations
Look beyond prices to evaluate insurance companies' customer service and claims handling. Check customer reviews specific to Newport News and Virginia. Consider each company's financial strength and ability to pay claims promptly.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers to compare rates. Use a mix of local agents, online quotes, and insurance comparison websites. Comparing multiple quotes helps you get the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Changes in your driving habits, vehicle value or personal circumstances might qualify you for better rates. Insurance companies regularly adjust their pricing, so shopping around annually is a good idea.
Cheapest Car Insurance in Newport News: Bottom Line
Car insurance rates in Newport News depend on your driving record, credit score and coverage needs. Farm Bureau and Travelers offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Newport News Car Insurance: FAQ
Get straight answers about finding affordable car insurance in Newport News. Our research team breaks down coverage options and money-saving opportunities to help you secure the right protection at the lowest rates.
What is the cheapest car insurance company in Newport News, Virginia?
Travelers offers minimum coverage at $429 annually in Newport News, while Farm Bureau provides full coverage at $816. Rates vary by personal factors, so compare quotes from multiple insurers.
Who offers the best car insurance in Newport News?
Travelers leads Newport News insurance providers with a MoneyGeek score of 95 out of 100, scoring one point above Auto-Owners. Travelers excels in both affordability and quality service.
What is the average cost of car insurance in Newport News?
In Newport News, drivers pay $1,230 per year for full coverage and $694 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Newport News expensive?
Car insurance in Newport News costs more than average, ranking 827th for minimum coverage affordability and 244th for full coverage compared to other Virginia cities.
How We Chose the Best and Cheapest Car Insurance in Newport News, VA
To help Newport News drivers find the most affordable auto insurance companies, MoneyGeek analyzed Newport News auto insurance rates based on data and information from the Virginia Bureau of Insurance and Quadrant Information Services. We studied all ZIP codes in Newport News and hundreds of thousands of quotes for 12 companies offering auto insurance in Virginia to tailor options as closely as possible to you.
Newport News Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Newport News with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Newport News
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Virginia are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Newport News based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.