Average car insurance cost in Newport News, VA

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The average car insurance cost in Newport News, Virginia is $1,447 per year, according to Insure.com data. This is $22 less than the average auto insurance cost in Virginia and $448 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Newport News, the average car insurance rates by age, gender and how much is car insurance in Newport News based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Newport News. Read on to learn more.

Cheap car insurance companies in Newport News

Travelers provides the best value for car insurance in Newport News with coverage limits of 100/300/100, costing $1,101 annually.

A close second is Virginia Farm Bureau, which offers car insurance at $1,187 per year.

Read about the best car insurance companies.

Average car insurance cost in Newport News by coverage limits

In Newport News, the average car insurance rates the coverage levels are as follows:

• State minimum coverage: $503 per year (limits are 25/50/25)
• Liability only coverage: $562 per year (limits are 50/100/50)
• Full coverage: $1,447 per year (limits are 100/300/100)
• Non-owners coverage: $337 per year

In most states, drivers are required to have state minimum coverage to drive legally, although these requirements vary by state. However, it’s important to note that state minimum coverage does not provide coverage for any vehicles listed on your policy in the event of an at-fault accident.

To prevent compromising on coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage if you frequently borrow or rent a car but do not own one.

Average car insurance rates by gender in Newport News

In Newport News, Virginia, the average annual car insurance premium for female drivers is $1,463 per year.

While the average annual cost for male drivers is $1,431 per year, which is $32 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Newport News

Car insurance rates in Newport News, are highest for teens at $4,593 per year or $383 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $2,339 annually for their car insurance, which is $2,254 less than what teens pay for their insurance coverage.

In Newport News, adult drivers pay an average of $1,451 per year for car insurance, while senior drivers pay $1,583 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Newport News

If we look at the car insurance rates trends in Newport News, Virginia, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 14%, or $173.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Newport News are lower than the average rates in Virginia. Drivers in Newport News can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.