Cheapest Auto Insurance in Woodbridge, Virginia (2026)

Residents in Woodbridge, Virginia — a suburb of Washington, D.C. — have an average commute to work of 37 minutes, according to the U.S. Census Bureau.^[1] The average monthly cost of liability car insurance in Woodbridge is $133. For comparison, liability coverage costs $108 per month in Virginia and $99 in the U.S., on average.

The city’s urban location, relatively high population density, and significant number of D.C.-bound commuters likely contribute to its higher car insurance rates. Comparing quotes from multiple companies can help you find lower rates.

Here’s what you need to know to find an insurance policy in Woodbridge that meets your needs and fits your budget.

6 of the cheapest car insurance companies in Woodbridge

While the right company for you will depend on your unique needs and driver profile, you can start by evaluating the insurance companies that offer the cheapest average monthly quotes.

Here are three of the best options for cheap auto coverage in Woodbridge. The quotes provided below reflect statewide average costs in Virginia.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $80/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $83/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $140/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $173/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $136/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $231/mo*
Overall rating 4.3 148 reviews	Overall rating 4.0 7,307 reviews	Overall rating 3.9 7,547 reviews	Overall rating 3.8 4,346 reviews	Overall rating 3.2 8,274 reviews	Overall rating 4.6 577 reviews
Value for money 3.5/5	Value for money 3.7/5	Value for money 3.8/5	Value for money 3.3/5	Value for money 3.0/5	Value for money 4.2/5
Customer service 3.5/5	Customer service 4.3/5	Customer service 4.1/5	Customer service 3.8/5	Customer service 3.4/5	Customer service 4.6/5
Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.8/5	Claims handling 3.3/5	Claims handling 4.6/5
Special highlight AI-generated from 148 user reviews Cheap rates	Special highlight AI-generated from 7307 user reviews Customer service	Special highlight AI-generated from 7547 user reviews Teen drivers	Special highlight AI-generated from 4346 user reviews Accident forgiveness	Special highlight AI-generated from 8274 user reviews Competitive rates	Special highlight AI-generated from 577 user reviews Numerous discounts

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for cheap rates: Auto-Owners

Cheap Rates

Compare Quotes

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.	$67/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.	$127/mo

Details

Driver Reviews

4.3

Best choice in Woodbridge, 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 Woodbridge 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 Woodbridge 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

Auto-Owners offers cheap average premiums and a variety of coverage options beyond full-coverage insurance. The company also offers several discounts, including robust savings for teen drivers. Auto-Owners boasts an A++ financial strength grade from AM Best and has fewer complaints with the National Association of Insurance Commissioners (NAIC) than average for its size.

Pros

• A++ financial strength rating from AM Best

• Few complaints with the NAIC

Cons

• No telematics discount in Virginia

• Doesn’t offer rideshare coverage

Best insurer for customer satisfaction: State Farm

Customer Satisfaction

Compare Quotes

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.	$69/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.	$131/mo

Details

Driver Reviews

4.0

Best choice in Woodbridge, 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 Woodbridge 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 Woodbridge for

Customer service

Competitive rates

Discounts for safe drivers

Showing 40 Virginia reviews for Woodbridge 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

State Farm offers cheap car insurance premiums for many driver profiles, and the company is a leader in the car insurance industry. State Farm is ranked third for auto insurance in the Mid-Atlantic region by J.D. Power and has fewer complaints with the NAIC than expected given its size.^[3]

The company offers a variety of Virginia car insurance discounts, including two telematics programs.

Pros

• A++ financial strength rating from AM Best

• Ranked above average in multiple J.D. Power studies^{[3] [4]}

Cons

• Doesn’t offer gap insurance

• No homeowner discount

Best insurer for discounts: GEICO

discounts

Compare Quotes

User Reviews	3.9 7,547 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.	9.2 /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.	$124/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.	$215/mo

Details

Driver Reviews

3.9

A solid option in Woodbridge, VABased on 16,870 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

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

Best in Woodbridge for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

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

Best in Woodbridge for

Teen drivers

Cheap rates

Accident forgiveness

Showing 28 Virginia reviews for Woodbridge drivers - See all 7,547 GEICO reviews

Anthony

Verified Review

Auto policy is way too expensive

Reviewed in Virginia on March 28, 2026

I will be looking to change soon. GEICO is way too expensive.

Jason

Verified Review

Geico is good value

Reviewed in Virginia on March 27, 2026

I haven't needed to make any claims yet, but they are better priced than most of the other companies.

Stanley

Verified Review

Stan Haas review of GEICO experience

Reviewed in Virginia on March 26, 2026

I thought it was mediocre. They wanted me to take photos. They wanted me to take my car to a different repair shop than the one I usually use. After calling my usual repair shop, I was informed of the difficult process some insurance companies (not necessarily GEICO) use about using off-market parts, etc. Eventually, GEICO gave in to my requests.

Diane

Verified Review

It's Been Fine

Reviewed in Virginia on March 21, 2026

They are fine, but I would like them to be cheaper.

Linda

Verified Review

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Reviewed in Virginia on March 6, 2026

I have had them for over 2 years, and the car is getting older, but the prices keep going up. I haven't had any accidents in over 40 years. All insurance is sky high.

Que

Verified Review

Check the fine print, and you do not owe them loyalty

Reviewed in Virginia on March 2, 2026

Huge increase every 6 months, even though I had no claims for 17 years!

Anthony

Verified Review

Dissatisfied with Rate Increase

Reviewed in Virginia on February 20, 2026

My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.

Margurita

Verified Review

Rate and Price

Reviewed in Virginia on February 10, 2026

Better rates and lower prices.

Mary

Verified Review

Even if it hurts, choose integrity.

Reviewed in Virginia on February 6, 2026

My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.

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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.

637

NAIC Index

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

0.59

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

GEICO offers a wide variety of discounts, including a multi-vehicle discount of up to 25%, multiple military discounts, and driver training discounts. In addition to standard coverage options, the insurer offers roadside assistance, rental car reimbursement, and mechanical breakdown insurance. The company has an A++ financial strength rating from AM Best.

Pros

• Offers a wide array of discounts

• A++ financial strength rating from AM Best

Cons

• Below-average J.D. Power ranking for the Mid-Atlantic region^[3]

• Few optional insurance coverages

How to get the cheapest car insurance in Woodbridge

While you can’t change your age or wipe your driving record clean, here are a few ways you can reduce your car insurance premiums in Woodbridge:

• Compare quotes. Some companies charge more than others in Woodbridge, so it’s a good idea to compare quotes. You can collect quotes from each insurer’s website, contact a broker or independent insurance agency, or use an insurance-comparison platform to save time.

• Choose a higher deductible. Your deductible is your share of the financial responsibility for an accident. A higher deductible means lower monthly premiums. Just make sure you have a plan to pay your deductible in the event of a claim.

• Ask about discounts. You may be eligible for discounts, including safe driver and driver education discounts, which can significantly reduce your premium. You can also save by bundling your auto insurance with homeowners insurance at some companies. Ask your agent for details.

• Improve your credit. Pay your bills on time and pay down debt to increase your credit score, and insurers may reward you with cheaper car insurance quotes.

• Opt for minimum coverage. If you have an old or inexpensive car, consider forgoing full-coverage insurance on that vehicle.

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

Liability insurance covers other parties’ medical bills and property damage in an accident you cause. In most cases, experts recommend full-coverage insurance, but according to Tish Faulkner, eastern region sales development director at Mercury Insurance, “A liability-only policy may be appropriate for drivers with older vehicles since the cost to repair or replace an older vehicle may be less expensive.”

Liability-only insurance is significantly cheaper than full-coverage auto insurance. On average, Woodbridge drivers pay $133 per month for liability insurance. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge.

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

Insurance Company	Average Monthly Quote
Auto-Owners	$67
State Farm	$69
USAA	$92
CSAA	$100
Chubb	$101
Mercury	$104
Erie	$106
Elephant	$109
Nationwide	$120
GEICO	$124
National General	$130
Bristol West	$131
Direct Auto	$141
Progressive	$141
Allstate	$144
GAINSCO	$144
Safeco	$152
Dairyland	$170
Liberty Mutual	$176
Trexis	$178
Root	$180
AssuranceAmerica	$187
The General	$187
Travelers	$193
Trexis One	$203
Clearcover	$208

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

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

Full-coverage insurance includes collision coverage, which pays for physical damage to your vehicle after you cause a crash, and comprehensive coverage, which pays for damage from non-collision events, like fire and theft.

“[It’s] usually recommended for newer or more expensive vehicles since the cost to repair or replace them can be significant,” says Faulkner. “Those with a vehicle on loan or leased may also have to pay [for] full coverage since the lender will want the car protected in case of an accident.”

The average cost of full-coverage insurance in Woodbridge is $218 per month. Some auto insurance companies offer cheaper quotes for full-coverage insurance than others. Here are the companies in Woodbridge that offer the cheapest average quotes for full-coverage auto insurance.

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

Insurance Company	Average Monthly Quote
Auto-Owners	$127
State Farm	$131
Elephant	$169
CSAA	$170
USAA	$176
Progressive	$188
Chubb	$192
Mercury	$199
Erie	$200
GEICO	$215
Safeco	$226
Nationwide	$228
Bristol West	$232
National General	$242
Direct Auto	$252
Liberty Mutual	$252
Allstate	$274
Root	$277
GAINSCO	$314
AssuranceAmerica	$318
Trexis	$345
Travelers	$368
Dairyland	$381
Clearcover	$391
The General	$413
Trexis One	$438

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

Car insurance requirements in Virginia

Virginia is a tort state rather than a no-fault state, which means you’re liable for the other party’s losses when you cause an accident. If you don’t have sufficient liability insurance, the other driver in an accident can sue you for any additional damages. Virginia’s minimum car insurance requirements are relatively robust, but you may still want to consider higher limits.

Below are the coverages and limits Virginia law requires. Note that the limits will increase from 30/60/20 to 50/100/25 for policies effective Jan. 1, 2025.

• 

  Bodily injury liability

  • $50,000 per person

  • $100,000 per accident

• 

  Property damage liability

  • $25,000 per accident

• 

  Uninsured/underinsured motorist coverage

  • Equal to bodily injury and property damage liability limits

You may also consider additional coverages for extra protection, including:

• 

  Collision coverage

  Collision insurance covers damage to your vehicle after an at-fault accident.

• 

  Comprehensive coverage

  Comprehensive insurance covers damage to your car after a non-collision event, like a natural disaster, falling objects, theft, or vandalism.

• 

  Personal injury protection (PIP) or medical payments (MedPay) coverage

  MedPay covers medical bills for you and your passengers, while PIP also covers lost wages and other expenses.

• 

  Gap insurance

  Gap insurance helps pay the difference between what your car is worth and what you have left on your auto loan if your car is a total loss after damage.

Cheapest car insurance for drivers with an incident

“Your driving record is one of the biggest factors in calculating your premium and is actually one of the rating factors you can control,” says Faulkner. Speeding tickets and at-fault accidents can both raise your premiums, and driving under the influence is a particularly serious offense that nearly doubles premiums on average in Woodbridge.

“Driving attentively, avoiding accidents, and remaining ticket-free is the best way to keep your insurance costs as low as possible,” Faulkner advises. It’s also important to compare quotes since some auto insurance companies are more lenient toward drivers with incidents on their record than others.

On average, Woodbridge drivers with a past driving incident on their records pay $157 per month for liability insurance and $257 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

In Woodbridge, a speeding ticket increases your car insurance premium. Drivers in the city with a past speeding ticket pay $165 per month for liability insurance.

Some car insurance companies offer affordable premiums to drivers with speeding tickets. If you have a speeding ticket, consider the cheapest companies available in Woodbridge.

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

Insurance Company	Clean Driving Record	With Speeding Ticket
Auto-Owners	$67	$87
State Farm	$69	$87
USAA	$92	$119
CSAA	$100	$127
Chubb	$101	$128
Mercury	$104	$145
Erie	$106	$140
Elephant	$109	$130
Nationwide	$120	$155
GEICO	$124	$161
National General	$130	$161
Bristol West	$131	$164
Direct Auto	$141	$176
Progressive	$141	$175
Allstate	$144	$187
GAINSCO	$144	$171
Safeco	$152	$199
Dairyland	$170	$212
Liberty Mutual	$176	$223
Trexis	$178	$221
Root	$180	$239
AssuranceAmerica	$187	$237
The General	$187	$249
Travelers	$193	$250
Trexis One	$203	$252
Clearcover	$208	$268

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

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you’ve caused an accident in the past, insurance companies may view you as a high-risk driver and increase your premiums. On average, liability coverage for Woodbridge drivers with a past at-fault accident costs $172 per month.

Here are the average monthly quotes after an accident from the cheapest insurers in Woodbridge.

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

Insurance Company	Clean Driving Record	With Accident
Auto-Owners	$67	$88
State Farm	$69	$90
USAA	$92	$122
CSAA	$100	$146
Chubb	$101	$132
Mercury	$104	$155
Erie	$106	$139
Elephant	$109	$141
Nationwide	$120	$160
GEICO	$124	$160
National General	$130	$171
Bristol West	$131	$170
Direct Auto	$141	$190
Progressive	$141	$182
Allstate	$144	$191
GAINSCO	$144	$182
Safeco	$152	$210
Dairyland	$170	$223
Liberty Mutual	$176	$231
Trexis	$178	$230
Root	$180	$238
AssuranceAmerica	$187	$246
The General	$187	$255
Travelers	$193	$257
Trexis One	$203	$263
Clearcover	$208	$300

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

Cheapest car insurance for drivers with a DUI: Auto-Owners

Virginia requires you to provide an FR-44 certification to the Department of Motor Vehicles to drive again after a DUI. Your insurance company must file the certification, which shows that you have double the required insurance minimums. This requirement nearly doubles costs for DUI drivers. But some insurance companies are more generous with policyholders than others after a DUI.

The cost of liability coverage for Woodbridge drivers with a past DUI is $168 per month on average. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.

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

Insurance Company	Clean Driving Record	With DUI
Auto-Owners	$67	$92
State Farm	$69	$95
USAA	$92	$127
CSAA	$100	$138
Chubb	$101	$139
Mercury	$104	$149
Erie	$106	$145
Elephant	$109	$150
Nationwide	$120	$165
GEICO	$124	$168
National General	$130	$179
Bristol West	$131	$180
Direct Auto	$141	$194
Progressive	$141	$178
Allstate	$144	$198
GAINSCO	$144	$198
Safeco	$152	$223
Dairyland	$170	$234
Liberty Mutual	$176	$242
Trexis	$178	$225
Root	$180	$248
AssuranceAmerica	$187	$257
The General	$187	$257
Travelers	$193	$265
Trexis One	$203	$257
Clearcover	$208	$286

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

Cheapest car insurance for seniors: Auto-Owners

Age is one of the factors that influence car insurance premiums because it relates to your experience driving.^[5] “Drivers with more experience, who have not been involved in accidents or moving violations for a considerable amount of time, typically pay less for auto insurance,” says Faulkner. Drivers in their 50s and 60s tend to get the best quotes.

But prices increase slightly for drivers 70 and older due to an increased risk of serious injuries and other factors.^[6] On average, senior drivers in Woodbridge pay $114 per month for liability coverage and $187 for full-coverage insurance.

Compare quotes from the cheapest car insurance companies for senior drivers below.

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

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$53	$100
State Farm	$54	$103
USAA	$74	$142
Chubb	$76	$145
CSAA	$80	$136
Erie	$81	$152
Mercury	$83	$158
Elephant	$90	$139
Nationwide	$91	$174
GEICO	$98	$170
National General	$102	$190
Bristol West	$109	$192
Direct Auto	$113	$203
Allstate	$116	$222
Progressive	$121	$161
GAINSCO	$122	$266
Safeco	$132	$197
Dairyland	$143	$321
AssuranceAmerica	$146	$248
Liberty Mutual	$147	$210
Root	$150	$231
Travelers	$153	$293
Trexis	$153	$296
The General	$157	$346
Trexis One	$174	$376
Clearcover	$182	$343

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

Cheapest car insurance for teens: State Farm

Teen drivers pay much more than adults because research shows they’re more likely to be in an accident than any other age group. Teens therefore pose a higher risk to insurance companies than older drivers with more experience.

The average cost of coverage in Woodbridge for teen drivers is $268 per month for liability coverage and $440 for full coverage.

Luckily, teens can save on car insurance in a few ways, including keeping good grades and earning a good student discount. Some insurers may offer driver education or telematics discounts. And staying on your parents’ insurance can save your family money. It’s also a good idea to compare quotes since some companies offer teens better prices than others.

Below are the cheapest auto insurers for teens and their average monthly quotes.

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

Insurance Company	Liability Only	Full Coverage
State Farm	$141	$268
Auto-Owners	$142	$268
CSAA	$177	$301
USAA	$180	$344
Mercury	$203	$389
Elephant	$204	$316
Erie	$205	$387
Chubb	$219	$417
GEICO	$234	$406
Bristol West	$247	$438
Nationwide	$247	$469
GAINSCO	$277	$605
National General	$277	$515
Progressive	$285	$379
Direct Auto	$286	$510
Allstate	$300	$570
Dairyland	$309	$692
Safeco	$322	$479
Liberty Mutual	$328	$470
Root	$329	$506
The General	$347	$766
Trexis	$359	$696
Clearcover	$364	$684
AssuranceAmerica	$407	$693
Trexis One	$410	$884
Travelers	$421	$802

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

Woodbridge car insurance quotes by credit tier

Car insurance companies in Woodbridge can use your credit-based insurance score, which is based on information in your credit report, when setting your premium.^[7] That’s because research shows that people with poor credit account for a higher share of car insurance claim payouts.^[8] Because they represent a higher risk to insurers, people with poor credit history pay more for car insurance.

On the other hand, drivers with good credit history tend to pay the least. That’s why it’s important to maintain good credit. Below are the average quotes for Woodbridge drivers in each credit tier for full-coverage car insurance. As you can see, drivers with bad credit pay more than double what drivers with excellent credit pay.

Is car insurance more expensive in Woodbridge?

Car insurance in Woodbridge costs $133 per month for liability insurance and $218 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $108 per month for liability and $173 for full coverage. Car insurance premiums vary within the state and by ZIP code due to location-based factors related to population, rates of crime and theft, and accident rates.^[5]

Though Woodbridge has a low population of around 45,000, the city has a relatively high population density of about 5,000 people per square mile.^[1] Drivers in areas with higher population density face higher risks of property damage and vehicle accidents, which likely increases average auto insurance rates.

More cities in Virginia

Below, you can compare the average monthly liability and full-coverage insurance rates in different Virginia cities.

City	Liability Only	Full Coverage
Alexandria	$132	$214
Arlington	$116	$175
Charlottesville	$91	$157
Chesapeake	$124	$181
Lynchburg	$98	$160
Newport News	$128	$198
Norfolk	$138	$223
Portsmouth	$132	$221
Richmond	$142	$212
Roanoke	$93	$159
Virginia Beach	$120	$184

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

Woodbridge car insurance FAQs