Buy Cheap Newport News, VA Auto Insurance
Newport News, VA auto insurance costs $199 per month or $2,388 annually on average. Nationwide is the cheapest Newport News, VA auto insurance company. However, your rates depend on your age, driving record, and coverage needs. Unless you pay an annual $500 fee to the Virginia Department of Motor Vehicles, all Newport News residents must carry the Virginia minimum auto insurance limits of 25/50/20 in liability coverage plus uninsured motorist protection.
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UPDATED: May 24, 2021
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- The average cost of Newport News, VA auto insurance is $199 per month or $2,388 annually
- Nationwide provides the cheapest average quotes in your city
- Minimal traffic congestion helps keep insurance rates down in Newport News
Newport News residents looking for cheap Virginia auto insurance have come to the right place.
Below, compare actual rates from the top Newport News insurance providers and learn how to secure cheap auto insurance rates regardless of your age, driving record, and coverage needs.
Receive affordable Newport News, VA auto insurance quotes right now by entering your ZIP code into our rate tool above.
What is the cheapest auto insurance company in Newport News, VA?
The cheapest Newport News, VA auto insurance company is Nationwide. However, your quotes depend on your age, driving record, and coverage needs.
Below, compare the average annual rates for coverage from the top providers in Newport News:
- Nationwide – $1,985.31
- USAA – $1,994.28
- GEICO – $2,124.72
- Progressive – $2,407.51
- State Farm – $2,436.22
- Allstate – $3,384.73
Insurance companies use unique formulas to calculate insurance premiums.
To find the best company for you, compare quotes online from multiple providers before choosing a policy.
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What auto insurance coverage is required in Newport News, VA?
Auto insurance laws vary by state. In Virginia, folks have the option of paying an annual fee to the Virginia Department of Motor Vehicles to opt out of auto insurance coverage legally.
However, because Virginia is an at-fault or tort state, you’re responsible for paying for the damages to the other driver if you ever cause an accident.
Usually, liability auto insurance covers these costs. But if you didn’t invest in coverage, you must pay entirely out of your pocket.
If you do choose to purchase insurance, Virginia requires the following levels of protection:
- $25,000 per person and $50,000 per incident in bodily injury liability coverage
- $20,000 per incident in property damage liability coverage
- $25,000 per person and $50,000 per incident in uninsured/underinsured motorist protection
Fortunately, basic policies in Virginia are usually inexpensive.
You also have the option to invest in full coverage auto insurance for even better protection.
What affects auto insurance rates in Newport News, VA?
Minimal traffic congestion impacts your Newport News, VA auto insurance rates.
Driving often in heavy traffic puts you at a higher risk of getting into an accident. But luckily, traffic in Newport News is rarely ever heavy.
While no data exists specifically for Newport News, INRIX ranks the nearby city of Williamsburg as the 287th-most congested city in America.
The average commute time for Newport News residents is also short, only 21 minutes, according to City-Data.
Auto theft statistics in your city, however, are higher than the state average. The Federal Bureau of Investigation (FBI) recorded 488 car thefts in Newport News in 2017.
That high rate of 268.5 stolen vehicles per 100,000 residents negatively influences your regional insurance costs.
Newport News, VA Auto Insurance: The Bottom Line
Ultimately, Newport News insurance costs are average to low compared to the rest of Virginia.
For example, Richmond, VA auto insurance averages $217 per month compared to only $199 in Newport News.
By shopping around and asking about auto insurance discounts, you’ll quickly secure the cheapest Newport News insurance rates.
You can buy Newport News, VA auto insurance right now by entering your ZIP code into our free quote tool below.