Cheapest Auto Insurance in Alexandria, Virginia (2025)

Alexandria residents pay a monthly average rate of $137 for liability-only coverage and $209 for full coverage, compared to the national averages of $103 and $182 for the same policy types.

Even with so many professionals working for the government in Alexandria and across the Potomac River in Washington, D.C., the average cost of insurance is roughly similar to the country as a whole. Alexandria drivers tend to drive safely, have better credit, and be in their prime years for the best insurance prices — all factors that contribute to low overall rates.

Comparing quotes from multiple car insurance companies could help Alexandria drivers save even more.

3 of the cheapest car insurance companies in Alexandria

Car insurance isn’t a one-size-fits-all service. That’s why many companies offer coverage options based on your family’s needs.

Each company prices its policies differently, so it’s important to spend a few minutes comparing quotes and coverage options. This can save you hundreds or thousands of dollars in the long run. Start your search for coverage with the three insurers below.

Best insurer for low rates: Auto-Owners

Best insurer for coverage options: State Farm

Best insurer for military members: USAA

How to get the cheapest car insurance in Alexandria

Insurance agencies consider many different factors when calculating the cost of car insurance. Your address — even among different areas of Alexandria — can have a big effect on your monthly rates because your risk of vandalism, vehicle theft, accidents, and other claims changes in different areas.

Your credit score, vehicle details, and even your education level can also affect the rates that companies may quote you. Finding the best rate doesn’t have to be complicated, though. Here are some tips to help you:2

• Shop around. Get an insurance quote from at least three companies to help you find the lowest price.

• Ask about discounts. Look for companies offering special rates or catering to employees of military and other government organizations.

• Find an agent. Consider working with an experienced agent or broker to help you find the best option among different companies if you have specific insurance needs.

• Drive safely. A clean driving record will help you save on insurance coverage.

Cheapest liability-only car insurance in Alexandria: Auto-Owners

Alexandria drivers pay an average of $137 per month for minimum coverage, according to Insurify data. This type of policy doesn’t cover you or your personal belongings at all, only offering a limited amount of liability coverage if you injure someone else or their property while driving.

Here’s how much the top companies in Alexandria are charging for liability coverage:

Cheapest full-coverage car insurance in Alexandria: Auto-Owners

A full-coverage policy in Alexandria costs an average of $209 per month. Full coverage adds on collision and comprehensive to protect your car in case of an at-fault accident and other hazards like weather and theft.

Insurers offering full-coverage policies to Alexandria customers charge the following average rates:

Car insurance requirements in Virginia

Virginia, like most other states, requires drivers to have a minimum amount of coverage.

The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:4

Moving upward in protection, a full-coverage policy adds on comprehensive and collision coverages. Depending on your individual needs, you might consider other insurance coverage options, such as the following:

Cheapest car insurance for drivers with an incident

Alexandria has a lower rate of traffic-related deaths compared to surrounding areas.5 Even so, you can expect your insurance payments to ramp up significantly if you have an at-fault accident, a speeding ticket, or a conviction for driving under the influence on your record. These violations indicate that you’re a higher-risk driver.

Here’s how much you can expect to pay for liability coverage if you live in Alexandria and have certain traffic infractions on your driving record:

Average cost of car insurance by age

People living in Alexandria tend to be in the prime of their life, at least when it comes to insurance rates. The area as a whole has about 4% fewer people younger than 18 and 5% fewer adults older than 65 compared to the rest of the United States.6

This is important because your car insurance rates tend to be highest in your teens, gradually decreasing until your mid-30s where they plateau until they start increasing again in your early 70s. 7 8 This reflects your riskiness as a driver; teens and senior drivers are statistically more likely to get in accidents.

Here’s how much Alexandria drivers of different ages typically pay for coverage:

Alexandria car insurance quotes by credit tier

Insurance companies use your credit history as another predictor of your risk, a practice banned in some states but not in Virginia.9 If you have a good credit score, you can expect to pay a lot less for car insurance than if you have poor credit.

Here’s how much Alexandria drivers with different credit profiles pay for full-coverage insurance:

Alexandria car insurance FAQs