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Jerry Data & Research
Cheapest car insurance in Newport News, Virginia (Sep 2024)
Cheapest car insurance in Newport News, Virginia (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Newport News, Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Best car insurance companies in Newport News
- Cheapest car insurance quotes in Newport News
- Best cheap car insurance quotes in Newport News
- Average cost of car insurance in Newport News
- Car insurance quotes in Newport News by rating factors
- How do different factors impact your car insurance costs in Newport News?
- Cheap car insurance quotes in Newport News after driving violations
- Cheap car insurance quotes in Newport News by age
- Cheap car insurance quotes in Newport News based on insurance history
- Cheap car insurance quotes in Newport News for popular cars
- How to lower car insurance costs in Newport News
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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 |
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.
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $240 | James, 43 Zip: 23606 | Ford Explorer | • 30,000/60,000 Liability • Comp / Collision |
| Nationwide | $137 | Hannah, 38 Zip: 23603 | Mitsubishi Eclipse Cross ES | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $63 | Russell, 31 Zip: 23602 | Nissan Pathfinder S | • 30,000/60,000 Liability |
| Allstate | $90 | George, 31 Zip: 23602 | Acura TL | • 100,000/300,000 Liability |
Gainsco | $166 | Virginia, 25 Zip: 23601 | KIA Sportage LX | • 30,000/60,000 Liability |
Last Updated Sep 7, 2024Best cheap car insurance quotes in Newport News
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:
- $60,000 per accident of bodily injury liability coverage
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. 
Josie (32 years old)
$121
per month
Lucile (21 years old)
$171
per month
Isabella (41 years old)
$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: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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 30,000/60,000 Liability • Comp / Collision | Progressive | $240 | James, 43 Zip: 23606 | Ford Explorer |
• 30,000/60,000 Liability • Comp / Collision | Travelers | $168 | Michael, 56 Zip: 23602 | Dodge Grand Caravan SXT |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $158 | Larry, 27 Zip: 23608 | Toyota Corolla |
• 30,000/60,000 Liability • Comp / Collision | Safeco | $146 | Lida, 42 Zip: 23602 | Nissan Sentra S |
• 50,000/100,000 Liability • Comp / Collision | National General | $149 | Lela, 23 Zip: 23603 | Chrysler 300 Touring |
Last Updated Sep 10, 2024Shop 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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 code | Monthly minimum coverage cost | Monthly 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?
How do different factors impact your car insurance costs in Newport News?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $102 | Victor, 34 Zip: 23602 | Honda Civic EX | • 30,000/60,000 Liability |
Speeding 11-15 | Gainsco | $128 | Johnny, 25 Zip: 23602 | Dodge Durango GT | • State Minimum Liability |
Speeding 16-20 | Nationwide | $159 | Effie, 32 Zip: 23608 | Ford Fusion S | • State Minimum Liability • Comp / Collision |
Last Updated Sep 10, 2024Cheapest 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.
Dominic (37 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23606)
$144
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $115 | Helena, 28 Zip: 23604 | Ford Taurus SEL | • State Minimum Liability |
At Fault With No Injury | Nationwide | $176 | Henry, 38 Zip: 23607 | Buick Lacrosse CXS | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Safeco | $213 | Elsie, 33 Zip: 23608 | Nissan Sentra S | • 30,000/60,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $90 | Luella, 31 Zip: 23602 | Acura TL | • 100,000/300,000 Liability |
Last Updated Sep 6, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $268 | Craig, 39 Zip: 23608 | Honda Accord EXL | • 30,000/60,000 Liability • Comp / Collision |
Defective Equipment | Nationwide | $99 | Franklin, 29 Zip: 23608 | Nissan Rogue Sport S | • 50,000/100,000 Liability • Comp / Collision |
Failure to Stop | Gainsco | $197 | Gene, 39 Zip: 23608 | Honda Accord EXL | • 30,000/60,000 Liability • Comp / Collision |
Careless Driving | Safeco | $122 | Della, 34 Zip: 23608 | Ford Fusion Hybrid | • 30,000/60,000 Liability • Comp / Collision |
Driving on Sus. License | National General | $65 | Rosetta, 42 Zip: 23607 | Acura MDX Technology | • 30,000/60,000 Liability |
Failure to Obey Signal | National General | $105 | Mabelle, 25 Zip: 23608 | GMC Envoy XUV | • 30,000/60,000 Liability |
Seat Belt | Bristol West | $200 | Ricky, 27 Zip: 23608 | Nissan Sentra SV | • 30,000/60,000 Liability • Comp / Collision |
Improper Passing | Travelers | $102 | Elizabeth, 54 Zip: 23602 | Toyota RAV4 Adventure | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Sep 7, 2024Cheap 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.
Edgar (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23606)
$344
per month
Lucile (21 years old)
$171
per month
Jordan (22 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23605)
$307
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.
Jon (65 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23608)
$160
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.
Lucy (43 years old)
$240
per month
Viola (38 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23603)
Mitsubishi Eclipse Cross ES$137
per month
Brian (59 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Newport News, VA (Zip Code: 23602)
Lincoln MKZ$199
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Travelers is so quick to send help! And I got a discount for renewing!
Kenya
Always help me out with budget prices
Daniel
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
Briana
By far the cheapest and best insurance, yet fits right into my budget!
Bethane
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 range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $104 | Garrett, 28 Zip: 23606 | Ford Fiesta SE | • 30,000/60,000 Liability • Comp / Collision |
660 - 750 | Safeco | $181 | Nina, 25 Zip: 23606 | Toyota Camry XSE | • 30,000/60,000 Liability • Comp / Collision |
660 - 750 | National General | $87 | Logan, 32 Zip: 23603 | Honda Civic EX | • 30,000/60,000 Liability |
550 - 659 | Travelers | $150 | Nellie, 27 Zip: 23607 | Honda Civic LX | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Gainsco | $197 | Randy, 39 Zip: 23608 | Honda Accord EXL | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Sep 7, 2024Cheap car insurance quotes in Newport News for popular cars
The risk profile of your vehicle affects your insurance premium. Some makes and models have higher repair costs or higher theft rates, for example
These models are especially popular in Newport News:
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $141 | Bryan, 29 Zip: 23602 | • 30,000/60,000 Liability • Comp / Collision |
| Honda Civic EX | Safeco | $137 | Larry, 32 Zip: 23606 | • 50,000/100,000 Liability • Comp / Collision |
| Honda Accord SE | Mercury | $68 | Luke, 55 Zip: 23601 | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Sep 10, 2024How 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. - Bundlingdiscounts: 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
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.