Car Insurance Quotes in Newport News, VA
Drivers in Newport News pay an estimated $1,990 a year for full coverage car insurance, or about $166 a month. That sits about 8% above the Virginia average, which is what you would expect from steady commuter traffic and a moderate claim frequency. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.
Car insurance calculator — Newport News, VA
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Newport News, VA
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,512 | $126 | -24% | Military members and families only |
| Geico | $1,632 | $136 | -18% | Usually cheapest for clean records |
| State Farm | $1,751 | $146 | -12% | Strong for young and student drivers |
| Progressive | $1,891 | $158 | -5% | Competitive after a ticket or accident |
| Travelers | $1,930 | $161 | -3% | Good multi-policy discounts |
| Nationwide | $1,990 | $166 | 0% | Mid-market, wide availability |
| Allstate | $2,269 | $189 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,408 | $201 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Newport News, VA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Car insurance rates by age in Newport News
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,376 | $1,839 | $448 |
| 18 years old | $4,535 | $1,551 | $378 |
| 20 years old | $3,755 | $1,285 | $313 |
| 22 years old | $3,119 | $1,067 | $260 |
| 25 years old | $2,380 | $814 | $198 |
| 30 years old | $2,052 | $702 | $171 |
| 40 years old | $1,929 | $660 | $161 |
| 50 years old | $1,847 | $632 | $154 |
| 60 years old | $1,826 | $625 | $152 |
| 65 years old | $1,908 | $653 | $159 |
| 70 years old | $2,093 | $716 | $174 |
| 75 years old | $2,442 | $835 | $203 |
Estimated premiums by age in Newport News, VA, clean record, sedan.
What a ticket, accident or DUI costs in Newport News
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,990 | — |
| 1 speeding ticket | $2,448 | +23% |
| 1 at-fault accident | $2,926 | +47% |
| DUI / DWI | $3,762 | +89% |
What a violation costs a 35-year-old in Newport News, VA. Surcharges normally stay on the policy for three to five years.
Minimum car insurance requirements in Virginia
Every driver registering a vehicle in Virginia must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Virginia Department of Insurance.
| Required coverage in Virginia | Minimum limit |
|---|---|
| Bodily injury liability, per person | $30,000 |
| Bodily injury liability, per accident | $60,000 |
| Property damage liability | $25,000 |
| Uninsured/underinsured motorist | Required |
| Insurance system | At-fault (tort) |
Coverage levels compared in Newport News
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $681 | $57 |
| Full coverage (100/300/100 + comp & collision) | $1,990 | $166 |
| Full coverage, high limits + low deductible | $2,369 | $197 |
Coverage level comparison for Newport News, VA.
Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.
ZIP codes we price in Newport News
Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Newport News covers 23601, 23602, 23603, 23605, 23606, 23607 among others. Enter yours in the calculator above.
Frequently asked questions
▸How much is car insurance in Newport News, VA?
▸What is the minimum car insurance required in Virginia?
▸Who has the cheapest car insurance in Newport News?
▸How much does car insurance cost for a teen driver in Newport News?
▸How much does a DUI raise insurance in Newport News?
▸Can I lower my car insurance bill in Newport News?
Car insurance in nearby cities
Comparing more of Virginia? See every Virginia city we price or read the cheap car insurance guide for Newport News.