Virginia is home to nearly three million licensed drivers, although only a small portion of about 180,000 reside in the town of Newport News. The average cost of car insurance in Newport News is $525 per year for minimum coverage and $1,366 for full coverage. However, auto insurance premiums may be cheaper, depending on your driving record and the carrier you choose.
Bankrate found several Virginia car insurance companies in Newport News that averaged rates lower than the town’s average. To find the best car insurance companies Newport News, we also considered factors such as customer ratings, policy options, and policy options. These include USAA, Geico Travelers, and Nationwide.
The best car insurance companies Newport News
These four Newport News car insurance companies were selected as the best in town. USAA is the most popular, but it is not always available. Drivers may prefer Geico, Travelers, or Nationwide quotes depending on their needs. The best companies for Newport News drivers was determined by premiums. J.D. also rated customers. Power’s insurance data and policy options were also strongly considered.
USAA
USAA is Newport News’ best-rated and most affordable car insurance company based on average premiums and customer service ratings. USAA is not available to military personnel, veterans, and their close relatives. USAA is not eligible for an official ranking by J.D. Power. You may be eligible, however, to find policies that are tailored to your military lifestyle a good fit.
Geico
Based on Quadrant Information Service’s annual premiums, Geico is our next-best choice for affordable minimum coverage. J.D. ranks Geico second among customers. Power’s study shows that Geico has the second-highest customer satisfaction score. However, it does not have full coverage insurance at an affordable annual premium. It is the most expensive company in the review, at $1,204 per annum. These are average rates, so you might be able get lower rates by submitting a quote or taking advantage of the many discounts that are available, such as discounts for military personnel, vehicles with safety-equipment and safe drivers, and automatic payments discounts.
Travelers
Travelers Insurance is the most popular car insurance company in Newport News. It offers something for everyone. No matter whether you select minimum or full coverage the average rate is just $385 per year or $869 per annum. The J.D. also scored high among policyholders. Power study for customer satisfaction. You can also add on options such as rideshare, gap coverage, accident forgiveness, and new car replacement to your policy.
All over the country
Nationwide rates of $788 per annum are the lowest full coverage insurance rates in town. This includes collision and comprehensive. Nationwide’s telematics device allows drivers to drive safely and get 40% lower rates even on more expensive policies. Drivers from Newport News who are safe drivers may be eligible to receive discounts for being accident-free. If you telecommute, SmartMiles may also help you qualify for lower rates.
Newport News: Cheapest car insurance
Newport News’s car insurance rates are lower than the national average, which is $1,674 annually, but higher than Virginia’s $441 per year minimum coverage and $1.304 annually for full coverage. These companies have average premiums that are lower than the average Newport annual rate ($525 minimum coverage, $1,366 full coverage).
USAA is designed for military personnel and their families, but Mercury and Progressive are great options for high-risk drivers looking to get affordable coverage. Travelers and Geico Insurance both offer low coverage and excellent customer service. However, Travelers’ premiums for full coverage insurance are significantly lower than Geico. Rates will vary depending on the driver.
Insurance requirements for Newport News
Virginia has minimum liability coverage requirements for all vehicle owners:
- $25,000 bodily injury liability per individual
- $50k bodily injury liability per accident
- $20,000 per accident property damage liability
These coverages, which must be offered to Uninsured or Underinsured Motorists, can be declined in writing. Drivers can choose to not have coverage for 12 months or pay $500 to be uninsured. Experts do not recommend declining coverage due to the rapid increase in costs for injuries and damages.
Newport News: Car insurance discounts
You can also save money on your car insurance by choosing carrier discounts. These are some of the most common discounts that you can get:
- Multi-vehicleHaving more than one vehicle covered by the same policy can help lower your car insurance premiums. It will also be easier to manage your policy and pay bills.
- Good studentYoung drivers may be able to lower their rates if the driver is a good student or has completed college. To extend a discount, most carriers require a minimum of a B average.
- AutopayYou can set up automatic payments to your monthly premiums. This will allow you to make timely payments and ensure that your coverage remains active. Many companies offer a discount for you choosing autopay.
- Safety equipmentDepending on your provider, you could get a discount on your car insurance by installing airbags, anti-lock brakes and car alarms.
It is a good idea to avail of multiple discounts in order to save more. You may be able to save the most on multi-vehicle or safety equipment, but it all depends on which carrier you choose.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance companies in Newport News we found include USAA and Geico for cheapest minimum coverage, Nationwide for cheapest full coverage and Travelers for overall low rates and policy customization options.
What is the cost of car insurance in Newport News?
The average premium for car insurance Newport News is $525 per year for minimum coverage, and $13,366 per annum for full coverage. Rates are lower than the national average for both full and minimum coverage.
