Cheapest Auto Insurance in Newport News, Virginia (2026)

Drivers in Newport News can expect to pay an overall average of $163 per month for car insurance. The city’s rates are slightly higher than Virginia’s average of $141 and lower than the national average of $136 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 $128 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.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Auto-Owners	8.2	$99	$61	Cheap rates
State Farm	9.3	$101	$62	Families
USAA	9.1	$136	$84	Active military, veterans, and their families

Disclaimer: Table data sourced from real-time Newport News car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newport News may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

cheap rates

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User Reviews	4.3 148 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$62/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$118/mo

Details

Driver Reviews

4.3

Best choice in Newport News, VABased on 323 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 148 Auto-Owners reviews

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Virginia residents will be pleased to discover Old Dominion is one of the 26 states in which Auto-Owners writes policies. The century-old insurer has the lowest rates in Newport News and only uses independent agents. Drivers searching for cheap, basic coverage options will find Auto-Owners far below the state average rates.

Pros

• Cheapest car insurance rates in Newport News

• Lower-than-average National Association of Insurance Commissioners (NAIC) Complaint Index score

Cons

• Fewer non-bundling discounts than some competitors

• Limited range of available optional coverages compared to some competitors

Best insurer for families: State Farm

families

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User Reviews	4.0 7,307 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$64/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$121/mo

Details

Driver Reviews

4.0

Best choice in Newport News, VABased on 16,608 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Customer service

Competitive rates

Discounts for safe drivers

Showing 40 Virginia reviews for Newport News drivers - See all 7,307 State Farm reviews

James

Verified Review

Average

Reviewed in Virginia on March 20, 2026

Good service but too expensive.

Larry

Verified Review

Not pleased that State Farm is overpriced

Reviewed in Virginia on March 12, 2026

Shop around. State Farm is high but good.

Sandra

Verified Review

So Far Good Experience

Reviewed in Virginia on March 10, 2026

My experience was good. I have a problem using the app.

Holly

Verified Review

Frustrated Customer

Reviewed in Virginia on February 27, 2026

My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.

Richard

Verified Review

When you want to save money

Reviewed in Virginia on February 26, 2026

State Farm is good but has gotten expensive.

Robert

Verified Review

State Farm Ripoff

Reviewed in Virginia on February 19, 2026

They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.

Bernard

Verified Review

My State Farm Agency Settlement of Minor Vehicle Bump

Reviewed in Virginia on February 16, 2026

I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.

Jodi

Verified Review

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

Reviewed in Virginia on January 9, 2026

Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.

John

Verified Review

The Good, the Bad, and the Ugly

Reviewed in Virginia on January 5, 2026

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Newport News has an award-winning public school system with tens of thousands of students, so it makes sense that parents consider a State Farm policy for their families.

It has one of the lowest rates for liability-only and full-coverage insurance, rates that drivers can potentially lower with family-focused discounts like the Steer Clear program for drivers younger than 25, Good Student Discount, and Student Away at School Discount.

Pros

• AM Best financial strength rating of A++ (Superior)

• Rideshare coverage available

Cons

• Accident forgiveness not available

• Doesn’t offer gap insurance

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

Active-Duty Military, Veterans, and Their Families

Compare Quotes

User Reviews	4.9 1,519 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$85/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$163/mo

Details

Driver Reviews

4.9

Best choice in Newport News, VABased on 3,327 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Newport News for

Members of the military community

Outstanding customer service

Competitive rates

Showing 8 Virginia reviews for Newport News drivers - See all 1,519 USAA reviews

David

Verified Review

Fair to Poor

Reviewed in Virginia on March 13, 2026

It was great until policy renewal, then it went up $110 a month.

Robert

Verified Review

Submitted a vehicle vandalism claim and received superior customer support

Reviewed in Virginia on November 27, 2025

Great insurance company that makes the claims process easy.

Illya

Verified Review

Where does the money go?

Reviewed in Virginia on July 23, 2025

Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.

Benjamin

Verified Review

No Discounts

Reviewed in Virginia on April 17, 2025

I was told I couldn't get a discount because I didn't drive my car enough.

Sean

Verified Review

Disappointed Once Loyal USAA Customer

Reviewed in Virginia on April 11, 2025

I used to be a huge fan of USAA and saw all their products as nearly infallible. However, in the last few years, my experience with them has soured significantly. The constant increases to my policy cost with very poor justification has become incredibly frustrating. Especially as they've said they intend to charge me a fee unless I opt for paperless statements and automatic payments. This feels like a veiled threat, which I do not appreciate, especially after years of loyalty to them. It's one of the reasons I'm switching. USAA has deeply disappointed me and it will take a lot for me to consider them ever again.

Jd

Verified Review

USAA Declining

Reviewed in Virginia on April 11, 2025

They were outstanding for the first 30 years. However, they have significantly declined in the last 10 years.

Krystina

Verified Review

Leaving After Over 20 Years

Reviewed in Virginia on April 10, 2025

The discount isn't as significant as you might think!

Patrick

Verified Review

No One Better to Serve Military Members for Insurance

Reviewed in Virginia on April 10, 2025

I have no complaints.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Virginia has 27 military installations, including Fort Eustis in Newport News. USAA is the best option for military members and their families, as it offers affordable premiums and excellent customer service. It regularly scores at the top of the J.D. Power U.S. Auto Insurance Study and has an AM Best financial strength rating of A++ (Superior).

Pros

• Reliable and affordable

• Offers investing, banking, and retirement solutions to its members

Cons

• Only available to active military, veterans, and their families

• Customer service not available 24/7

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.

Find Cheap Car Insurance in Newport News, Virginia

Rates start at $62 per month for liability coverage

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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 $128 in Newport News. The table below shows the cheapest liability-only coverage in Newport News.

The below rates in Newport News, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$62
State Farm	$64
USAA	$85
CSAA	$92
Chubb	$93
Mercury	$97
Erie	$98
Elephant	$101
Nationwide	$111
GEICO	$115
National General	$120
Bristol West	$121
Direct Auto	$130
Progressive	$130
Allstate	$134
GAINSCO	$134
Safeco	$141
Dairyland	$157
Liberty Mutual	$163
Trexis	$165
Root	$166
AssuranceAmerica	$173
The General	$173
Travelers	$179
Trexis One	$188
Clearcover	$192

Disclaimer: Table data sourced from real-time Newport News car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newport News may vary based on the policy buyer's unique driver profile.

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 $198 for full-coverage car insurance.

The below rates in Newport News, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$118
State Farm	$121
Elephant	$156
CSAA	$157
USAA	$163
Progressive	$174
Chubb	$178
Mercury	$184
Erie	$185
GEICO	$199
Safeco	$209
Nationwide	$211
Bristol West	$215
National General	$224
Direct Auto	$234
Liberty Mutual	$234
Allstate	$254
Root	$256
GAINSCO	$291
AssuranceAmerica	$295
Trexis	$319
Travelers	$341
Dairyland	$353
Clearcover	$362
The General	$382
Trexis One	$406

Disclaimer: Table data sourced from real-time Newport News car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newport News may vary based on the policy buyer's unique driver profile.

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:^[1]

Coverage Type	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$30,000 per person / $60,000 per accident	$50,000 per person / $100,000 per accident
Property damage liability	$20,000 per accident	$25,000 per accident

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

• 

  Collision coverage

  Collision coverage pays for your vehicle’s damage when it collides with an object.

• 

  Comprehensive coverage

  Comprehensive coverage pays for your vehicle’s damage from instances other than collisions.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers with zero or insufficient insurance.

• 

  Medical payments coverage

  Medical payments coverage pays for you and your passenger’s medical and funeral costs incurred from an accident.

• 

  Gap insurance

  Gap insurance pays the difference between your loan balance and insurance settlement if your insurance company totals your vehicle.

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.

The below rates in Newport News, VA, are estimated rates current as of: Wednesday, April 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Auto-Owners	$62	$81	$81	$85
State Farm	$64	$81	$84	$88
USAA	$85	$110	$113	$117
CSAA	$92	$117	$134	$127
Chubb	$93	$118	$122	$128
Mercury	$97	$135	$145	$139
Erie	$98	$129	$129	$134
Elephant	$101	$120	$130	$139
Nationwide	$111	$144	$148	$153
GEICO	$115	$150	$148	$156
National General	$120	$149	$158	$165
Bristol West	$121	$152	$157	$166
Direct Auto	$130	$162	$175	$179
Progressive	$130	$162	$168	$164
Allstate	$134	$174	$178	$184
GAINSCO	$134	$159	$170	$184
Safeco	$141	$185	$195	$207
Dairyland	$157	$196	$206	$216
Liberty Mutual	$163	$207	$214	$224
Trexis	$165	$205	$213	$209
Root	$166	$220	$219	$229
AssuranceAmerica	$173	$219	$228	$238
The General	$173	$230	$236	$238
Travelers	$179	$232	$238	$246
Trexis One	$188	$234	$243	$238
Clearcover	$192	$248	$277	$264

Disclaimer: Table data sourced from real-time Newport News car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Newport News may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Teenagers have high car insurance rates because they’re more likely to get into an accident.^[2] 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.^[3]

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

Age	Average Monthly Quote
Teens	$330
20s	$226
30s	$164
40s	$148
50s	$129
60s	$120
70s	$124

Disclaimer: Table data is based on real-time Newport News quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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