Best cheap car insurance in Newport News for 2021

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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. For drivers in Newport News, the average cost of car insurance is $525 a year for minimum insurance and $1,366 a year 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. We also looked at criteria such as customer ratings and policy options to bring you the best car insurance companies in Newport News, which include USAA, Geico, Travelers and Nationwide.

Best car insurance companies in Newport News

The following four car insurance companies in Newport News were included in our selection for best providers in town. While USAA tops the list, it is limited in availability and drivers may find Geico, Travelers or Nationwide quotes are a better fit, depending on their circumstances. Premiums were an important factor in selecting the best companies for Newport News drivers. In addition, customer ratings using J.D. Power’s insurance study data and policy options were strongly considered.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA 890/1,000* $342 $968
Geico 841/1,000 $382 $1,204
Travelers 836/1,000 $385 $869
Nationwide 835/1,000 $404 $788

*Not officially ranked by J.D. Power due to eligibility restrictions

USAA

USAA is the best and cheapest car insurance company in Newport News based on average premiums for minimum coverage car insurance and customer service ratings. However, USAA is only available to veterans, military personnel and close relatives. Due to this eligibility restriction, USAA does not qualify for an official ranking from J.D. Power. If you are eligible however, you may find the policies custom to the military lifestyle a good fit.

Learn more: USAA Insurance review

Geico

Geico is the next-best option on our list for cheap minimum coverage, based on quoted annual premiums from Quadrant Information Services. Geico ranks second-highest with customers in J.D. Power’s study but does not have the cheapest average annual premiums for full coverage insurance. At $1,204 per year, it is the highest of the companies in this review. Since these are just average quotes, you may be able to obtain lower rates by submitting your own quote, or by taking advantage of the long list of discounts available; these include discounts for members of the military, vehicles with safety-equipment, safe driver and automatic payments discounts.

Learn more: Geico Insurance review

Travelers

Travelers Insurance may be the best among the car insurance companies in Newport News because it has something exceptional for everyone. Regardless of whether you choose minimum or full coverage, average rates are low at just $385 or $869 per year, respectively. Policyholders also gave the carrier high marks in the J.D. Power study for customer satisfaction. And the many add-ons available, such as rideshare insurance, gap coverage, accident forgiveness and new car replacement can expand your coverage and customize your auto policy to fit your needs.

Learn more: Travelers Insurance review

Nationwide

For the cheapest full coverage insurance in town, which includes comprehensive and collision, Nationwide’s rates of $788 per year were the lowest among providers we reviewed. Nationwide’s telematics devices allow drivers who practice safe driving to obtain 40% lower rates, even on a more robust policy. Newport News drivers who practice safe driving may be eligible for discounts for staying accident-free, and if you are telecommuting, SmartMiles may help you qualify for lower rates as well.

Learn more: Nationwide Insurance review

Cheapest car insurance in Newport News

Car insurance rates in Newport News are lower than the national average for full car insurance of $1,674 per year but higher than Virginia’s average of $441 a year for minimum coverage and $1,304 annually for full coverage. If you are on a strict budget, these companies had average premiums lower than the average annual rates for Newport ($525 for minimum, $1,366 for full coverage.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $342 $968
Mercury $377 $1,159
Geico $382 $1,204
Travelers $385 $869
Progressive $404 $910

While USAA is geared towards the military and their family, Mercury and Progressive may be the best options for high-risk drivers who may not find affordable coverage elsewhere. Geico Insurance and Travelers both have cheap coverage and a high-level of customer service, although Travelers’ insurance premiums are much lower for full coverage insurance than Geico, and exact rates will vary by driver.

Newport News insurance requirements

Virginia has minimum liability coverage requirements for all vehicle owners:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

While Uninsured and underinsured motorist coverages must be offered, these can be declined in writing. However, drivers can elect to skip coverage for 12 months and pay a $500 fee to drive uninsured. Because of how quickly the cost of injuries and damages can add up in an incident, declining coverage is not typically recommended by experts.

Car insurance discounts in Newport News

An alternative way to save on car insurance is by opting for carrier discounts. Some of the easiest to qualify for include the following:

  • Multi-vehicle: Insuring more than one vehicle on the same policy could help you lower your car insurance premiums for both cars. Policy management and bill payments will be easier, as well.
  • Good student: Young drivers can lower their rates if they are doing well in high school or college. Most carriers require a B average or better to extend a discount.
  • Autopay: Setting up automatic payments for your monthly insurance premiums can help you make payments on time to ensure your coverage is active. Most companies will give you a discount for choosing autopay.
  • Safety equipment: Airbags, car alarms and anti-lock brakes are just some of the safety equipment that could earn you a discount on car insurance, depending on the provider.

To save the most, it can be helpful to take advantage of several discounts. Multi-vehicle and safety equipment may bring you the biggest savings, although it depends on the carrier you go with.

Frequently asked questions

What is the best car 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.

How much does car insurance in Newport News cost?

Car insurance Newport News premiums are $525 a year for minimum coverage and $1,366 per year on average for full coverage car insurance. Rates are lower than the national average for both full and minimum coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor