Finest Low cost Auto Insurance in Newport Information for 2021 – Bankrate.com
Virginia is home to nearly three million licensed drivers, although only a small fraction of approximately 180,000 live in the city of Newport News. For drivers in Newport News, the average cost of auto insurance is $ 525 per year for minimum coverage and $ 1,366 per year for full insurance. However, depending on your driver's license and the carrier you choose, car insurance premiums may be cheaper.
Bankrate found several Virginia auto insurance companies in Newport News with average rates lower than the city average. We also looked at criteria like customer ratings and insurance options to bring you the best auto insurance companies on Newport News, including USAA, Geico, Travelers, and Nationwide.
The best auto insurance in Newport News
The following four auto insurances in Newport News have been included in our pick of the best providers in town. While USAA tops the list, availability is limited and drivers may find Geico, Travelers, or Nationwide deals better depending on their circumstances. Rewards were a big factor in choosing the best Newport News driver companies. In addition, customer reviews were based on J.D. Power strongly considered.
|insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA||890 / 1,000 *||$ 342||$ 968|
|Geico||841/1000||$ 382||$ 1,204|
|traveler||836 / 1,000||$ 385||$ 869|
|Nationwide||835/1000||$ 404||$ 788|
* Not officially from J.D. Power classified due to licensing restrictions
USAA is the best, cheapest car insurance company in Newport News based on average car insurance premiums with minimum coverage and customer service ratings. However, USAA is only available to veterans, military personnel, and close relatives. Because of this admission restriction, USAA does not qualify for an official ranking by J.D. Power. However, if you are eligible, you may find the guidelines tailored to the military lifestyle well suited.
Learn more: USAA insurance review
Geico is the next best option on our list for affordable minimum coverage based on the stated annual rates from Quadrant Information Services. In the study by J.D. Power ranks second highest among customers, but does not have the cheapest average annual premiums for fully comprehensive insurance. At $ 1,204 per year, it is the highest company in this rating. Since these are just average deals, you may be able to get lower prices by submitting your own offer or by taking advantage of the long list of discounts available. These include discounts for military personnel, vehicles with safety equipment, safe drivers, and discounts for automatic payments.
Learn more: Geico insurance valuation
Travel insurance is possibly the best of the auto insurance companies in Newport News because it offers something awesome for everyone. Whether you choose minimum or full coverage, the average rates are low at just $ 385 and $ 869 per year, respectively. Also in the J.D. Power study gave the airline's policyholders high marks for customer satisfaction. And the many add-ons available such as ride-sharing insurance, gap coverage, accident forgiveness and new car replacement can expand your insurance coverage and adapt your car insurance to your needs.
Learn more: Travel Insurance Review
For the cheapest fully comprehensive insurance in town that includes fully comprehensive and collision insurance, Nationwide's rates were the lowest among the providers we reviewed at $ 788 per year. Nationwide telematics devices enable drivers who practice safe driving to receive 40% lower rates, even with a more robust policy. Newport News drivers who practice safe driving may be eligible for discounts to stay accident free, and if you're telecommuting, SmartMiles can also help you qualify for lower fares.
Learn more: Nationwide insurance review
Cheapest Car Insurance in Newport News
Newport News auto insurance prices are lower than the national average for fully comprehensive insurance of $ 1,674 per year, but higher than the Virginia average of $ 441 per year for minimum insurance and $ 1,304 per year for that Fully comprehensive insurance. If you're on a tight budget, these companies had average premiums that are below the average annual rates for Newport ($ 525 for minimum coverage, $ 1,366 for full coverage).
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA||$ 342||$ 968|
|mercury||$ 377||$ 1,159|
|Geico||$ 382||$ 1,204|
|traveler||$ 385||$ 869|
|Progressive||$ 404||$ 910|
While the 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 insurance coverage elsewhere. Both Geico Insurance and Travelers have cheap insurance coverage and a high level of customer service, although Travelers insurance premiums for fully comprehensive insurance are much lower than Geico's, and the exact prices vary depending on the driver.
Insurance requirements for Newport News
Virginia has minimum liability insurance requirements for all vehicle owners:
- $ 25,000 liability per person
- $ 50,000 personal injury liability per accident
- $ 20,000 property damage liability per accident
It is true that uninsured and underinsured car covers must be offered, but these can be rejected in writing. However, drivers can choose to skip insurance for 12 months and pay a $ 500 fee to drive uninsured. Because the cost of injuries and damage can add up quickly in an incident, it is generally not recommended by experts to decline insurance coverage.
Auto insurance discounts in Newport News
An alternative way to save on auto insurance is to opt for carrier discounts. Some of the easiest to qualify are the following:
- Multi-vehicle: If you have more than one vehicle in the same policy, you can lower your car insurance premiums for both vehicles. Policy management and bill payments are also becoming easier.
- Good student: Young drivers can lower their tariffs if they perform well in high school or college. Most carriers charge a B average or better to extend a discount.
- Autopay: By setting up automatic payments for your monthly insurance premiums, you can make payments on time to ensure your insurance coverage is active. Most companies will give you a discount if you choose to use automatic payment.
- Safety equipment: Airbags, car alarm systems and anti-lock brakes are just some of the safety features that, depending on the provider, can bring you a discount on car insurance.
To save the most, it can be helpful to take advantage of multiple discounts. Multiple vehicles and safety equipment can bring you the greatest savings, although it depends on the carrier you are traveling with.
frequently asked Questions
What is the best car insurance?
The best auto insurance companies in Newport News we found are USAA and Geico for the cheapest minimum coverage, Nationwide for the cheapest fully comprehensive, and Travelers for overall low rates and policy customization options.
How much does car insurance cost in Newport News?
Auto Insurance Newport News premiums are $ 525 per year for minimum coverage and an average of $ 1,366 per year for full coverage. The tariffs for both full and minimum insurance are below the national average.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury to an uninsured driver per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
In order to set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of the individual states. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.