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Cheapest car insurance in Newport News, Virginia (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Newport News, Virginia.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Best car insurance companies in Newport News

In truth, there is no “best” company for all Newport News drivers. Rates are as unique as drivers, so you’re better off getting quotes from multiple companies than assuming one popular company will give you the lowest rate. 
Surveys show Clearcover,
National General
, Gainsco,
Progressive
, and
Travelers
in Newport News offer affordable rates. However, only State Farm’s rates were lower than the state average.
Ultimately, you’ll have to decide for yourself. Take a look at these real reviews from policyholders who rated top providers from 0 to 5 on factors like policy cost, claims handling, and more.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry score
$30
$118
4.2
4.5
$41
$157
4.3
4.4
Gainsco
$94
$293
4.1
N/A
$74
$161
3.8
4.2
$114
$177
4.7
4.3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Newport News

In Newport News, drivers usually pay around $73 monthly for basic coverage and about $155 for full protection. That’s just slightly less than the typical national cost.
The key to finding the cheapest rate in Newport News is to compare
car insurance quotes
for your unique driver profile. 
Jerry
gathered free quotes and helped local drivers pick out the best policies. Check out these rates from real Newport News drivers below.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$263
Amy, 23
Zip: 23608
Honda Civic Sport
• 30,000/60,000 Liability
• Comp / Collision
Allstate
$90
David, 32
Zip: 23602
Acura TL
• 100,000/300,000 Liability
Travelers
$168
Bryan, 57
Zip: 23602
Dodge Grand Caravan SXT
• 30,000/60,000 Liability
• Comp / Collision
Nationwide
$137
Gary, 39
Zip: 23603
Mitsubishi Eclipse Cross ES
• 100,000/300,000 Liability
• Comp / Collision
National General
$188
Samuel, 54
Zip: 23607
Hyundai Accent SE
• 30,000/60,000 Liability
coverageLast Updated Nov 16, 2024

Best cheap car insurance quotes in Newport News

In Newport News, Virginia, all drivers are mandated by
state law
to have a minimum level of
liability
insurance coverage known as 30/60/20. This includes both property damage liability and bodily injury liability coverage.
Drivers must also carry
uninsured motorist coverage
, with limits that match the state’s liability limits.   

Cheap minimum liability insurance quotes in Newport News

MInimum liability coverage in Newport News is 30/60/20:
  • $30,000 per person of
    bodily injury
    liability coverage
  • $60,000 per accident of bodily injury liability coverage
  • $20,000 per accident of
    property damage
    liability
Uninsured motorist (UM) coverage
is also mandatory, which must include the same limits as the state minimum liability coverage. Approximately, 10% of Virginia drivers don’t have insurance, and this policy will kick in when you get into an accident with someone who doesn’t have coverage.
These requirements apply to all drivers in this
at-fault state
. Luckily, it’s also the cheapest way to get coverage. Check out these Newport News drivers who got affordable minimum liability coverage options through Jerry. 
card cover
Josephine (33 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23605)
carDodge Dart Limited
$121
per month
card cover
Flora (22 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23602)
carAudi A5 Quattro
$171
per month
card cover
Nannie (29 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23602)
carToyota Highlander
$105
per month
card cover
Essie (34 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23608)
carNissan Rogue SV
$89
per month
card cover
Lena (42 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23607)
carChrysler 200 S
$181
per month

Do you need more than minimum coverage in Newport News?

Legally speaking, you don’t need more than minimum coverage to drive in Newport News. But that minimum protection won’t protect you in the event of a serious accident.
With 30/60/20 policy limits, you only have $60,000 to pay for someone else’s hospital expenses in an at-fault accident. You only have $20,000 to pay for damages—and the cost of a new car alone could cost more than $40,000.
Increase your liability limits to 50/100/50 or 100/300/100 if you can. Your monthly cost will be only a bit higher but your protection will be much stronger. If you want any protection for your own vehicle, you’ll need full coverage.

Cheap full coverage car insurance quotes in Newport News

Full coverage
protects your own vehicle, and it includes two parts:
  • Collision
    coverage: For collision-related damage, like crashes.
  • Comprehensive
    coverage: For other damage, like theft, vandalism, and windstorms.
While the state does not mandate full coverage, lenders can require you to carry full coverage on a financed vehicle until the loan is paid off. Check your agreement carefully before committing to an insurance policy if you’re driving a leased or financed car.
Take a look at real full coverage quotes from Newport News drivers.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 30,000/60,000 Liability
• Comp / Collision
Progressive
$263
Amy, 23
Zip: 23608
Honda Civic Sport
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$118
Esther, 27
Zip: 23605
Dodge Journey SXT
• 30,000/60,000 Liability
• Comp / Collision
Travelers
$168
Bryan, 57
Zip: 23602
Dodge Grand Caravan SXT
• 30,000/60,000 Liability
• Comp / Collision
Safeco
$145
Nancy, 32
Zip: 23602
Honda Accord EX
• 30,000/60,000 Liability
• Comp / Collision
National General
$148
Tommy, 31
Zip: 23606
Chevrolet Traverse LT
coverageLast Updated Nov 21, 2024
Shop for full coverage insurance hassle-free with
Jerry
, the free app that helps drivers compare quotes and sign up for a new policy—in Newport News and beyond.
Lower my car insurance too!

Average cost of car insurance in Newport News

Jerry collected the data, and the average rate for minimum liability coverage is about $73 per month or $881 per year. Full coverage insurance in Newport News is approximately $155 per month or $1,856 per year.
Average rates will probably not be your rate. You may have a better record than the average driver, or you may drive a safer car.

Average cost of car insurance in Newport News by zip code

Your neighborhood can affect your insurance costs because it has a unique risk profile. Some areas of Newport News have more traffic accidents, for instance. 
High risk zip codes can trigger higher rates because of the increased likelihood of filing a costly claim. Check out these rates sorted by zip code in Newport News.
Zip codeMonthly minimum coverage costMonthly full coverage cost
23601
$109
$144
23607
$67
$188
23608
$74
$182

Car insurance quotes in Newport News by rating factors 

There’s a long list of factors that insurance companies consider when
calculating rates
. Here’s a non-exhaustive selection of the most common factors:
  • Age: Drivers under 25 and over 75 face higher insurance rates, reflecting the higher risk of getting into costly accidents.
  • Credit score: Excellent credit scores (above 750) tend to unlock cheaper insurance rates, while poorer credit leads to higher premiums.
  • Type of car: The vehicle you own, especially luxury and sports cars, can impact insurance expenses. Higher trim levels can bump up prices, too.
  • Parking location: Where you regularly park your car matters, with some areas resulting in high premiums due to theft and accident rates.
  • Frequency of usage: More frequent usage correlates with higher insurance rates due to the inherent increase in risk.
  • Driving records and claims history: Your past record predicts your future behavior, which is why a history of claims and tickets can raise your rates.

How do different factors impact your car insurance costs in Newport News?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Newport News currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Newport News:

Cheap car insurance quotes in Newport News after driving violations

In addition to fees and possible jail time, driving violations can lead to rate hikes for car insurance. Multiple violations might tag you as a
high-risk driver
, which can leave you with high rates for years compared to the average Newport News driver.

Cheapest car insurance in Newport News after speeding ticket

Your penalty for breaking the speed limit in Newport News depends on how fast over the limit you were traveling. You could be dinged with a
high fine
for reckless driving, but you’ll definitely see an increase in your insurance rates.
Finding affordable insurance
in Newport News after a speeding violation is possible with Jerry. See how these local drivers found coverage below.  
Speeding typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
Speeding 1-5
Progressive
$102
Leroy, 34
Zip: 23602
Honda Civic EX
• 30,000/60,000 Liability
Speeding 11-15
Gainsco
$128
Isabel, 25
Zip: 23602
Dodge Durango GT
• State Minimum Liability
Speeding 16-20
Nationwide
$159
Bradley, 32
Zip: 23608
Ford Fusion S
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 21, 2024

Cheapest car insurance in Newport News after DUI

DWIs
are taken very seriously in Virginia. Any conviction for intoxication will trigger legal and financial penalties from the state, not to mention sky-high insurance rates. Some companies may refuse coverage.
Jerry has helped Newport News drivers navigate the process of finding coverage after a DUI.
card cover
Jesse (38 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23606)
carFord Focus SE
$99
per month
card cover
Lloyd (32 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23606)
carHyundai Veloster Turbo
$232
per month
card cover
Electric
Bertha (28 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23602)
carToyota 4runner Premi
$230
per month

Cheapest car insurance in Newport News after an at-fault accident

At-fault accidents are a major red flag for insurance companies, as they indicate high potential to cause future accidents and file costly claims. 
These rates represent real drivers who used Jerry to find affordable coverage after an at-fault accident.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$115
Bernice, 28
Zip: 23604
Ford Taurus SEL
• State Minimum Liability
At Fault With No Injury
Nationwide
$176
Effie, 38
Zip: 23607
Buick Lacrosse CXS
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Safeco
$213
Leah, 33
Zip: 23608
Nissan Sentra S
• 30,000/60,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$90
Fannie, 31
Zip: 23602
Acura TL
• 100,000/300,000 Liability
coverageLast Updated Nov 21, 2024

Cheapest car insurance in Newport News after other driving violations

A single traffic violation—even something minor like rolling through a stop sign—can go on your record and affect your Virginia car insurance rates.
Here’s what you can expect with regard to rates based on the traffic violations on your record.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$268
Hettie, 39
Zip: 23608
Honda Accord EXL
• 30,000/60,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$99
Stella, 29
Zip: 23608
Nissan Rogue Sport S
• 50,000/100,000 Liability
• Comp / Collision
Failure to Stop
Gainsco
$197
Sean, 39
Zip: 23608
Honda Accord EXL
• 30,000/60,000 Liability
• Comp / Collision
Careless Driving
Safeco
$122
Alvin, 34
Zip: 23608
Ford Fusion Hybrid
• 30,000/60,000 Liability
• Comp / Collision
Driving on Sus. License
National General
$65
Roy, 42
Zip: 23607
Acura MDX Technology
• 30,000/60,000 Liability
Failure to Obey Signal
National General
$105
Erik, 25
Zip: 23608
GMC Envoy XUV
• 30,000/60,000 Liability
Seat Belt
Bristol West
$200
Duane, 27
Zip: 23608
Nissan Sentra SV
• 30,000/60,000 Liability
• Comp / Collision
Improper Passing
Travelers
$102
Kevin, 54
Zip: 23602
Toyota RAV4 Adventure
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 20, 2024

Cheap car insurance quotes in Newport News by age

In Newport News and elsewhere, young and old drivers face higher than average rates. That’s because young drivers have less experience and higher claims rates, whereas older drivers have slower reflexes and higher recovery costs after an accident.

Cheapest car insurance in Newport News for young drivers

If you hold a
provisional license
or if you’re younger than 19, your rates will be the highest of all age groups.
Young drivers
should consider full coverage, especially if they’re driving a newer or more expensive vehicle.
Check out these rates from young Newport News drivers.
card cover
Amy (23 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23608)
carHonda Civic Sport
$263
per month
card cover
Jayden (24 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23601)
carToyota Scion FR-S
$144
per month
card cover
Flora (22 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23602)
carAudi A5 Quattro
$171
per month
card cover
Timothy (21 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23607)
carToyota Avalon XL
$316
per month
card cover
Katharine (21 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationNewport News, VA
(Zip Code: 23605)
carChevrolet Malibu Limited LT
$234
per month

Cheapest car insurance in Newport News for senior drivers

Senior drivers
have more experience behind the wheel but they pay high rates for coverage because they’re more susceptible to serious injury after an accident.
Here are some of the rates Jerry helped senior motorists find in Newport News.
card cover
Dale (65 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationNewport News, VA
(Zip Code: 23607)
carNissan Pathfinder LE
$73
per month
card cover
Nell (74 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
locationNewport News, VA
(Zip Code: 23602)
carChevrolet Silverado C1500
$101
per month
card cover
William (70 years old)
coverageCoverage
State Minimum
locationNewport News, VA
(Zip Code: 23608)
carFord Taurus SEL
$82
per month

Cheap car insurance quotes in Newport News based on insurance history

Lapses in coverage
can trigger higher insurance rates. Even a short gap is a red flag because it signals unpredictability, aka high risk.
You can still find coverage after a lapse, like the Newport News drivers below who used Jerry to find an auto insurance policy. However, rates will probably be higher after a lapse than someone who maintained continuous coverage.
card cover
Sam (43 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23606)
$240
per month
card cover
John (38 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23603)
carMitsubishi Eclipse Cross ES
$137
per month
card cover
Ophelia (56 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23602)
carDodge Grand Caravan SXT
$168
per month
card cover
Fannie (31 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationNewport News, VA
(Zip Code: 23602)
$90
per month
card cover
Ryan (59 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNewport News, VA
(Zip Code: 23602)
carLincoln MKZ
$199
per month

Cheap car insurance quotes in Newport News for drivers with poor credit

People with lower credit scores tend to file more insurance claims, according to insurance companies. This is why drivers with credit scores under 600 can expect to pay higher than average premiums—even if they’re otherwise good drivers.
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
> 750
Progressive
$104
Barbara, 28
Zip: 23606
Ford Fiesta SE
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
Safeco
$181
Ian, 25
Zip: 23606
Toyota Camry XSE
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
National General
$87
Ray, 32
Zip: 23603
Honda Civic EX
• 30,000/60,000 Liability
550 - 659
Travelers
$150
Tommy, 27
Zip: 23607
Honda Civic LX
• 50,000/100,000 Liability
• Comp / Collision
< 550
Gainsco
$197
Douglas, 39
Zip: 23608
Honda Accord EXL
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Nov 17, 2024

How to lower car insurance costs in Newport News

1. Shop around and compare quotes

Formulas for calculating rates are unique to each company. One company might weigh your claims history more heavily, for instance. Comparing quotes
every six months
, either with an insurance agent or a broker, is the smartest way to find the lowest rate for your situation.

2. Hunt for car insurance discounts

Discounts
can help you save a ton of money, and some are really easy to unlock. 
  • Good driver
    discounts: Keep it safe and accident-free to cash in on this one.
  • Bundling
    discounts: Combine your homeowners and auto insurance at the same company to save on both car and home insurance. This also extends to renters insurance.
  • Good student discounts: Full-time students who earn at least a B average to save on your premium costs.
  • Telematics discounts: Download a free app to track your driving habits and you might snag a discount.

3. Increase your deductible for comprehensive and collision coverage

Boosting your deductible is a simple trick to trim down your monthly costs while still keeping your full coverage intact. Just make sure you can actually afford the higher out-of-pocket payment.

Why is car insurance in Newport News so expensive?

Rates in Virginia are generally reasonable compared to national rates. But premiums are on the rise because of these factors:
  • Higher costs for replacement parts and hospital stays
  • Increasing traffic accident rates
  • Extreme weather patterns that can damage vehicles

FAQ

How much is car insurance in Newport News?

Newport News drivers tend to pay about $73 per month or $881 per year for state minimum coverage. Full coverage costs about $155 per month or $1,856 per year.
Average rates may not be an accurate estimate of your rates, though. You have a unique driver profile which deserves a unique rate.

What is the cheapest car insurance in Newport News?

Jerry found that car insurance averages around $73 per month for state-minimum coverage and $155 per month for full coverage. There isn't a one-size-fits-all insurance company with the lowest rates for everyone. Your neighbor might get cheaper rates with one company but you’d pay less with another. By comparing quotes, you can discover the most affordable option tailored to your needs.

What is the best car insurance in Newport News?

Newport News drivers have praised Nationwide, State Auto, and The General, according to Jerry's extensive nationwide car insurance survey. Remember to consider claims handling and customer service ratings in addition to cost when selecting a company.

What is the minimum car insurance in Newport News, Virginia?

All Newport News drivers must carry at least 30/60/20 in liability coverage. That’s $30,000 per person and $60,000 per accident in bodily injury coverage, and $20,000 per accident in property damage liability. Uninsured motorist coverage is also required, with the same levels.

Who has the cheapest car insurance rates in Virginia?

GEICO and Progressive tend to offer the cheapest rates for the average driver profile in Virginia. But rates can vary dramatically between drivers—and between cities. Make sure you pull custom quotes to find who offers the lowest rate for you.

How much is car insurance per month in VA?

The average Virginian will spend about $130 per month on full coverage, all other factors aside. This price will change if the driver opts for minimum coverage, if they drive a more expensive car, and if they live in a city with higher accident rates.

Why is car insurance so expensive in Virginia?

Claims rates are on the rise in Virginia, according to national data. With more fatal crashes and more claims, companies have to pay out bigger checks. That raises rates for all Virginians.

What is the new law in Virginia about car insurance?

In summer 2023, a new law was passed that allows drivers to tap into their own uninsured motorist (UM) coverage if the damages exceed the other driver’s limits. This improves protection for Virginia drivers by opening up additional avenues for paying for damages after an accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.