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How much is car insurance in Newport News?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Newport News will typically run you about $7 a month more than in the rest of Virginia.
However, the expected monthly payments for an auto insurance policy in Newport News are below the national average. On average, it's about $13 less to insure your vehicle in Newport News than it is in the rest of the United States.
While these numbers are the average rates for auto insurance in Newport News, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Newport News and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Newport News.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Newport News, the difference is around $6 per month. As you can see in the table above, male drivers in the area typically pay $72 on average, while female drivers typically pay $66 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Newport News, a driving record with a single accident will usually get you a rate around $87 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $77.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$64|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Newport News, with drivers paying around $55 per month for insurance.
SUV drivers will see rates of about $66, while the rates for car owners average out to about $71 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is about 5 years old. In Newport News, vehicles four-to-five years old are the most expensive to insure.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Newport News, however, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Newport News is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Newport News, expect to pay around $10 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Newport News, VA
Recent trends in car insurance for Newport News drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Newport News, the rates for auto insurance rose from 2017-2018, before steadying out in 2019. Policy premiums increased again, hitting a high of $90 in 2021, and finished down at $80 in 2022.
How does Newport News compare to neighboring areas?
Why are car insurance rates in Newport News different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (how many accidents each locality has)
- Amount of drivers in the area
- Prevalence of crime
- Area laws
- Availability of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Newport News?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Newport News.
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Newport News Insurance FAQs
What factors affect car insurance quotes in Newport News?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Newport News different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Newport News?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Newport News?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Newport News or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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