Best Newport News, VA Auto Insurance in 2025 (Review the Top 10 Companies Here)
Geico, USAA, and Erie are the best Newport News, VA auto insurance providers, with beginning rates at $38 per month. With a 25% bundling discount, Geico offers the cheapest rates. USAA is the best provider for military drivers, and Erie provides the best customer assistance with an A+ rating for Virginia drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Apr 14, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
19,116 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,589 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
1,883 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
1,883 reviewsThe best Newport News, VA auto insurance providers include Geico, USAA, and Erie, with monthly rates starting at $38 for coverage tailored to your vehicle needs.
These top providers offer significant discounts and affordable rates for military members, veterans, and drivers in Newport News, VA.
Our Top 10 Company Picks: Best Newport News, VA Auto Insurance
| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | 25% | Cheap Rates | Geico |
 | #2 | A++ | 10% | Military Drivers | USAA |
 | #3 | A+ | 25% | Customer Service | Erie |
 | #4 | A++ | 17% | Agency Network | State Farm |
 | #5 | A++ | 16% | Client Centric | Auto-Owners |
 | #6 | A+ | 25% | Drivewise Program | Allstate |
 | #7 | A+ | 10% | Loyalty Programs | Progressive |
 | #8 | A++ | 13% | Unique Coverage | Travelers |
 | #9 | A | 20% | Military Families | Farmers |
 | #10 | A | 25% | Accident Forgiveness | Liberty Mutual |
This car insurance guide will highlight the advantages and disadvantages of top Newport News, VA, providers, helping drivers find the most suitable auto insurance coverage for their needs.
- Geico takes the top spot with rates as low as $39 per month
- USAA has great customer service for military members and their families
- Virginia drivers must carry 50/100/25 in liability coverage
Compare quotes by entering your ZIP code and discover the factors affecting your car insurance premium while saving big with our top providers in Newport News, VA.
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates & Discounts: Geico has the most affordable premiums for Newport News drivers, starting at $39 monthly.
- User-Friendly Digital Experience: The digital experience can be enjoyed by tech-savvy residents in Virginia who prefer managing their insurance online.
- Financial Strength & Stability: The A++ rating ensures Newport News drivers receive the peace of mind and reliable insurance coverage they need.
Cons
- Inconsistent Customer Service: Other residents in Newport News report a variety of experiences which is about their customer service experience.
- Limited Coverage Options: According to our Geico auto insurance review, some Newport News drivers need specialized coverage, which Geico doesn’t offer.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – USAA: Best for Military Drivers
Pros
- Exclusive Military Benefits: USAA provides exceptional coverage for members of the military and veterans in Newport News, VA, providing service for the country.
- Top-Rated Customer Satisfaction: Faster claims handling and excellent customer assistance can benefit drivers in Newport News, with its A++ ratings from A.M. Best.
- Comprehensive Financial Services: Aside from auto policies and premiums, USAA offers investment solutions benefiting military families in Newport News.
Cons
- Restricted Eligibility: Residents in Newport News may not qualify for the coverage of USAA because of its limited availability.
- Few Physical Branches: USAA’s lack of local offices is inconvenient for Newport News drivers looking for in-person assistance. To understand better, read our USAA auto insurance review.
#3 – Erie: Best for Customer Service
Pros
- Outstanding Customer Support: Erie’s reputation for providing the most notable assistance for customers can be appreciated by drivers in Virginia seeking customized service.
- Rate Lock Feature: This feature is notable for policyholders and people in Newport News looking for predictable insurance costs.
- Comprehensive Add-On Coverages: This feature provides extra protection, which is ideal for Newport News pet owners because of their pet injury coverage.
Cons
- Limited Geographic Availability: Newport News residents who move out of state may have a problem keeping their premiums and policy.
- Lacks Digital Convenience: Erie’s website and mobile app can be less user-friendly in comparison with other providers in Virginia, according to our Erie auto insurance review.
#4 – State Farm: Best for Agency Network
Pros
- Extensive Agent Network: State Farm provides a huge number of knowledgeable agents in Newport News, which is ideal for drivers seeking face-to-face communication.
- Reliable Claims Service: State Farm is noted for ensuring fast and efficient claims handling, which is supported by its A++ rating and strong reputation in the area of Newport News, VA.
- Multiple Discount Opportunities: The habit of safe driving, multiple cars, and bundled policies are savings offered for drivers of Newport News.
Cons
- Higher Premiums for Drivers: State Farm’s premiums and rates may be higher than competitors, most especially for residents in Virginia with certain risk factors.
- Limited Specialized Coverage: As mentioned in our State Farm auto insurance review, drivers seeking options like extensive rideshare coverage should explore other providers in the area of Virginia.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Auto-Owners: Best for Client Centric
Pros
- Highly Personalized Service: Auto-Owners’ hands-on approach will be appreciated by residents of Newport News who prefer independent agents.
- Rare Coverage Options: Like the diminished value coverage, this feature offers unique protections for Newport News drivers. To see more, read our Auto-Owners auto insurance review.
- Strong Multi-Policy Discounts: Homeowners in Newport News can maximize their savings with a 16% discount by bundling auto and home insurance.
Cons
- No Direct Online Purchase: Residents in Newport News must undergo an agent to obtain coverage, which is not ideal and inconvenient for tech-savvy users.
- Less Brand Recognition: Newport News residents and drivers may be unfamiliar with Auto-Owners compared to other providers like Geico and State Farm.
#6 – Allstate: Best for Drivewise Program
Pros
- Drivewise Telematics Program: This feature is most suitable for drivers in Newport News who seek discounts based on their actual driving habits.
- Financially Secure Company: Notable for its strong financial backing and an A+ rating, this is a reliable option for drivers in the area of Virginia.
- Comprehensive Coverage Options: The accident forgiveness and new car replacement make this feature appealing. See more of it by reading our Allstate auto insurance review.
Cons
- Higher Starting Rates: Allstate’s premiums and rates are more expensive than other competitors in Newport News, VA.
- Slower Claims Processing: Drivers in Newport News report longer-than-expected waiting times for resolving their claims.
#7 – Progressive: Best for Loyalty Programs
Pros
- Snapshot Discount Program: This feature is one of the best ways for Newport News drivers to lower their premiums by driving safely. Read how it is done through our Progressive auto insurance review.
- Diverse Coverage Options: Gap insurance and custom parts protection may make the feature more appealing to car enthusiasts in Virginia.
- Competitive for High-Risk Drivers: This highlights the fair rates offered to residents of Newport News with past driving infractions.
Cons
- Premiums can Increase Post-Accident: There is a significant rate hike when drivers in Newport News get into an accident.
- Customer Service Quality Varies: Inconsistent service experience is what most of the Newport News policyholders report.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Travelers: Best for Unique Coverage
Pros
- Specialized Policy Options: Rare coverages like rideshare insurance are being featured, which benefits Newport News Uber and Lyft drivers.
- Attractive Bundling Discounts: This feature highlights the possibility of saving a 13% discount through combining auto, home, and umbrella policies.
- Strong Financial Stability: Travelers is a highly rated provider in Newport News that drivers can count on for payments.
Cons
- Higher Premiums for Policies: The lowest-cost option can be found elsewhere by budget-conscious drivers in Newport News.
- Fewer Local Agents: In comparison with other competitors like State Farm, Travelers has limited agents in the area. See our Travelers auto insurance review to check your place.
#9 – Farmers: Best for Military Families
Pros
- Special Military Discounts: This feature is perfect for the military community in the area of Newport News, VA, because of exclusive benefits and savings.
- Highly Customizable Policies: Newport News drivers can customize their coverage and include other options like OEM parts replacement.
- Good Bundling Benefits: This feature allows Newport News residents to save 20% discount using their auto, home, and life insurance. Read our Farmers auto insurance review to see how you can save more.
Cons
- Higher Costs for Young Drivers: Teens and young adults in Newport News may find Farmers’ premium more pricey than competitors.
- Less Advanced Digital Tools: The website and mobile app of Farmers may not be as advanced as other competitors in Virginia.
#10 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness Program: This feature helps drivers in Newport News avoid the sudden increase of their premium after their first accident.
- Strong Add-On Coverages: New car replacement may attract Newport News drivers with newer vehicles. Our Liberty Mutual auto insurance review provides more details.
- Nationwide Availability: Newport News residents can rely on Liberty Mutual whether they move or stay local.
Cons
- Mixed Customer Service Reviews: Some policyholders in Newport News have reported delays in claims processing.
- Higher Base Premiums: Liberty Mutual’s rates are usually higher than most other top insurance providers in Newport News.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Cost of Auto Insurance in Newport News, VA
Our car insurance guide can help you when seeking the cheapest car insurance rates in Newport News, VA, and discounted auto insurance coverage options for your vehicle needs.
Newport News, VA Auto Insurance Monthly Rates by Provider & Coverage Level
| Company | Min. Coverage | Full Coverage |
|---|---|---|
| $68 | $168 |
| $40 | $64 |
| $49 | $96 |
| $66 | $169 |
| $38 | $88 |
| $50 | $180 |
| $51 | $122 |
| $39 | $95 |
| $51 | $122 |
| $55 | $92 |
This car insurance guide will help you better understand the monthly rates by provider & coverage level in Newport News, VA, and the discounts from the top providers in the area.
Best Auto Insurance Discounts in Newport, News VA
| Company | Low Mileage | Bundling | Good Student | Safe Driver | Anti-Theft |
|---|---|---|---|---|---|
| 30% | 25% | 22% | 18% | 10% |
| 30% | 16% | 20% | 8% | 12% |
| 30% | 25% | 15% | 15% | 15% |
| 10% | 20% | 15% | 20% | 10% |
| 30% | 25% | 15% | 15% | 25% |
| 30% | 25% | 12% | 20% | 35% |
| 30% | 10% | 10% | 10% | 25% |
| 30% | 17% | 35% | 20% | 15% |
| 20% | 15% | 10% | 17% | 15% |
| 20% | 10% | 10% | 10% | 15% |
Living in Newport News can offer discounted auto insurance coverage options for your vehicle needs.
If you are shopping around for the lowest rate, compare strengths and weaknesses, financial stability, and customer service reports before making your final decision based on price alone.
Companies that offer auto insurance plans consider several factors while determining quotes, including marital status, ZIP code, credit rating, driving distance to work, and theft protection devices.
To determine if you’re still receiving the best rates, compare cheap Newport News auto insurance estimates by entering your ZIP code.
Coverage Options for Newport News Drivers
Virginia increased its minimum car insurance requirements to 50/100/25, resulting in higher insurance costs due to the raised coverage limits.
Virginia Minimum Auto Insurance Requirements
| Coverage | Amount |
|---|---|
| Bodily Injury Liability | $50,000 per person / $100,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Bodily Injury | $50,000 per person / $100,000 per accident |
This table shows the auto insurance coverage requirements and the most affordable auto insurance in the area.
Factors That Affect Auto Insurance Rates in Newport News, VA
Various factors may affect your auto insurance premium in Newport News, VA. One of which is your city or the place where you live.
Newport News, VA Auto Insurance Cost by ZIP Code
| ZIP Code | Monthly Rates |
|---|---|
| 23601 | $137 |
| 23602 | $122 |
| 23603 | $101 |
| 23604 | $161 |
| 23605 | $117 |
| 23606 | $122 |
| 23607 | $151 |
| 23608 | $118 |
| 23702 | $408 |
Automobile insurance companies must know where you live to evaluate the chance of a significant accident. The greater the populace of your hometown, the greater amount of vehicles you’ll encounter on the highway, leading to a higher risk of being in an accident.
Fatal Accident Statistics in Newport News, VA
| Category | Count |
|---|---|
| Fatal accident count | 15 |
| Vehicles involved in fatal crashes | 23 |
| Fatal crashes involving drunk persons | 0 |
| Fatalities | 16 |
| Persons involved in fatal crashes | 28 |
Another factor in automotive accidents is that any area with a high rate of serious accidents is going to see a dramatic rise in local premiums. Auto thefts in Newport News should also be considered as a factor.
Motorists who reside in sizable metropolitan areas are at greater risk for auto theft. The greater the population, the better the probability that you may have to submit an auto burglary claim.
Newport News, VA Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $125 | $150 | $300 |
| $116 | $140 | $280 |
| $115 | $135 | $270 |
| $150 | $180 | $350 |
| $100 | $120 | $250 |
| $135 | $160 | $320 |
| $158 | $190 | $380 |
| $126 | $157 | $310 |
| $130 | $155 | $315 |
| $98 | $120 | $240 |
Moreover, insurance companies believe that drivers with poor credit are a higher financial risk to their bottom line. To know more, enter your ZIP code and begin comparing rates.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
The Best Auto Insurance Provider in Newport News, VA
The best car insurance providers in Newport News, VA, are Geico, USAA, and Erie. These top insurers are known for offering the most affordable rates, car insurance discounts for military drivers, and excellent customer assistance.
To secure your insurance provider, choose an insurer with strong financial ratings from A.M. Best to ensure they can pay claims when needed.
Jeffrey Manola Licensed Insurance Agent
These companies are the best for meeting your vehicle requirements in Newport News, VA, while helping you save big. To understand better how these companies can help you save, enter your ZIP code.
Frequently Asked Questions
Who has the cheapest auto insurance in Newport News, VA?
Geico offers the lowest starting rates at $38 per month, making it a great option for cheap car insurance in Newport News, VA, with pricing influenced by driving history, location, and coverage level.
How can Newport News, VA drivers save on auto insurance?
Newport News drivers can save by comparing top providers like Geico and USAA who offer discounts for bundling policies, safe driving, and military service, helping drivers find cheap auto insurance in Newport News with significant savings. Enter your ZIP code to guide you more.
What benefits does USAA offer to Newport News, VA drivers?
USAA stands out by offering exclusive discounts, top-rated customer service, and tailored coverage for military members, making it a strong choice for auto insurance in Newport News, VA.
Read more: Military Auto Insurance
Which auto insurance companies in Newport News provide the best in-person customer service?
State Farm provides the best in-person customer service with its large local agent network, while Progressive and Geico excel in digital management for those looking for Newport News insurance options.
Which insurer in Newport News provides the most customizable coverage options?
Erie insurance allows drivers to customize their policies with features like rate lock and new car replacement, ensuring flexible coverage for car insurance in Newport News, VA. Learn more about Erie by entering your ZIP code.
How do different auto insurance companies in Newport News compare in terms of claims processing?
USAA and Erie receive high ratings for fast claims processing and reliable support, making them ideal for anyone seeking the best car insurance in Newport News.
Read more: How to File an Auto Insurance Claim?
Which auto insurance provider in Newport News offers the best options for high-risk drivers?
Progressive and The General offer flexible payment plans and accident forgiveness, making them the top choices for high-risk drivers searching for cheap car insurance in Newport News.
How do usage-based insurance programs help Newport News drivers lower their premiums?
Progressive’s Snapshot and Allstate’s Drivewise programs reward safe driving habits, helping policyholders reduce their Newport auto insurance rates. See more details by entering your ZIP code.
What are the differences between basic liability and full coverage auto insurance?
Basic liability insurance meets Virginia’s minimum coverage requirements. Still, full coverage from providers like Erie or Geico offers better financial protection for those comparing car insurance quotes in Newport News, VA.
How do factors like traffic congestion, accident rates, and car theft influence auto insurance rates?
Newport News car insurance rates are affected by high accident and theft statistics. However, insurers like Liberty Mutual and Travelers offer solutions to manage these risks while still providing cheap car insurance in Newport News, VA.