Average car insurance cost in Newport News, VA

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Based on an analysis by Insure.com, the typical car insurance expense in Newport News, Virginia is $1,447 annually. Furthermore, car insurance premiums in Newport News are $22 less than compared to the state average in Virginia and $448 less than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Newport News, the average car insurance rates by age and gender, and the costs in Newport News based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Newport News. Keep reading to learn more.

Cheap car insurance companies in Newport News

At an average of $1,101 per year with full coverage limits of 100/300/100, Travelers provides the most affordable car insurance in Newport News.

Ranked as the second most affordable company in Newport News, Virginia Farm Bureau provides car insurance at $1,187 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Newport News that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Newport News, Virginia:

Read about the best car insurance companies.

Average car insurance cost in Newport News by coverage limits

The average car insurance rates in Newport News based on coverage types 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 many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Newport News

The average car insurance per year for female drivers in Newport News, Virginia, is $1,463.

Whereas the yearly average car insurance rate for male drivers is $1,431, which is $32 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Newport News

In Newport News, car insurance rates are highest for teens, averaging $4,593 per year or $383 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $2,339 annually for their car insurance, which is $2,254 less than what teens pay for their coverage.

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

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

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

Car insurance rate trends in Newport News

Examining the trends in car insurance rates in Newport News, Virginia, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 14% or $173.

The table below illustrates the trend over the three 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.