Cheapest Auto Insurance in Newport News, Virginia (2025)

Drivers in Newport News can expect to pay an overall average of $164 per month for car insurance. The city’s rates are slightly higher than Virginia’s average of $146 and lower than the national average of $143 per month.

Newport News’ location on a peninsula north of Virginia Beach makes it vulnerable to hurricanes, tropical storms, flooding, and flash floods. And as the commonwealth’s fifth-largest city, Newport News’ population density increases the risk of traffic accidents. The factors likely contribute to the city’s higher-than-average cost of car insurance.

Minimum-coverage car insurance averages $131 per month in Newport News. But comparing quotes from multiple insurers could help you find even lower rates.

Cheapest car insurance companies in Newport News

Car insurance premiums vary based on factors like your driving record, coverage needs, and age.

The best car insurance companies in Newport News offer a range of discounts, coverage options, and bundling options, but not all of them will be ideal for your unique needs. By comparing policy prices alongside factors like customer satisfaction ratings, financial strength, and claims processes, you can find the best car insurance company for your specific situation and lifestyle needs.

Here are some companies offering low-cost coverage for Newport News drivers. Insurify based these rates on state-level premium data.

Best insurer for cheap rates: Auto-Owners

Best insurer for families: State Farm

Best insurer for active-duty military, veterans, and their families: USAA

How to get the cheapest car insurance in Newport News

Various factors influence your car insurance rates, like marital status, location, driving record, gender, and age. Here are a few ways to save money on car insurance in Newport News:

• Compare quotes. Shop around and compare rates from at least three different car insurance companies before choosing a policy. Every insurer weighs rating factors differently, so you may find cheaper rates for the same coverage from certain companies.

• Apply for discounts. Insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

• Bundle your home and auto insurance policies. You can save on coverage if you bundle your car insurance with homeowners or renters insurance.

• Keep a clean driving record. Drivers with clean records pay the cheapest premiums. Drive defensively and avoid speeding.

• Choose a higher deductible. A higher deductible means a lower premium. You’ll want to be sure you can afford it if you need to file a claim.

Cheapest liability-only car insurance in Newport News: Auto-Owners

All insurance companies must provide liability car insurance that includes the body injury and property damage coverage required by state law. It’s cheaper than full coverage because it only pays for the damage or injuries you cause another person or property. It doesn’t pay out money to repair your own vehicle or pay for your medical expenses.

Liability-only coverage costs an average of $131 in Newport News. The table below shows the cheapest liability-only coverage in Newport News.

Cheapest full-coverage car insurance in Newport News: Auto-Owners

The average car insurance rates for full-coverage car insurance will be more expensive than a liability-only policy because it provides a greater range of coverage. Full coverage includes collision and comprehensive coverage in addition to liability, which pays for damages to your car and injured passengers.

Newport News drivers pay a monthly average of $197 for full-coverage car insurance.

Car insurance requirements in Virginia

Virginia is an at-fault state, which means that the driver who caused the accident is responsible for paying for the injuries to people or damage to property that they hit. Virginia, like most states, requires that all drivers maintain a minimum amount of liability insurance to cover these injuries and damages.

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

You might also consider additional optional insurance for greater coverage, like:

Cheapest car insurance for drivers with an incident

Newport News drivers should be aware that causing a fender bender, getting pulled over in a speed radar zone, and getting a DUI conviction can raise your rates. All these types of moving violations either cause damage or have an increased likelihood of causing damage, so insurers raise rates to account for the increased cost.

Avoid at-fault accidents, speeding tickets, and DUIs to keep your car insurance rates low. The table below highlights the most affordable insurers for drivers with certain incidents on their driving record.

Average cost of car insurance by age

Teenagers have high car insurance rates because they’re more likely to get into an accident.5 Middle-aged adults receive lower rates as they near age 35 due to their driving knowledge and over a decade of valuable experience. Older adults see these low rates increase around age 70 as physical and cognitive issues increase their likelihood of being in an accident.6

This table shows how Virginia auto insurance rates vary by age in Newport News.

Newport News car insurance quotes by credit tier

Even your credit rating can affect your car insurance rates since the state of Virginia allows insurers to consider credit history when setting premiums. There’s no firm discount set for rates, but you’re more likely to get a good deal with excellent or good credit compared to poor credit.

Newport News car insurance FAQs