Table of contents
How much is car insurance in Newport News?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Virginia are about $6 a month cheaper than the rates drivers pay in Newport News.
Compared to the national average cost of auto coverage, Newport News has lower rates. Car insurance rates for the United States as a whole are, on average, $14 more expensive than the rates you'd pay in Newport News.
While these are the average monthly costs for auto coverage in Newport News, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've broken down average rates for Newport News to help you understand what your policy's monthly premium will cost. And if you think you might be overpaying for insurance, simply enter your ZIP code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to climb back up once you hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Newport News, although women do pay slightly less on their monthly auto coverage, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Newport News with a single accident on their record will usually see rates around $82 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $93.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$62|
If you look at the first table above, the cheapest vehicles to insure in Newport News are typically trucks and vans.
Car owners can expect to pay an average of around $67 a month for their policy, while drivers with SUVs will usually see rates around $61 to insure each month.
For truck and van drivers, however, their monthly premium totals about $53.
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)||$69|
On average, those who have settled down into marriage will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
In Newport News, that difference is around $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Newport News. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Newport News, VA
Recent trends in car insurance for Newport News drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto coverage in Newport News increased from 2016-2018, before dropping slightly in 2019. Rates have been increasing again recently, hitting a high of $93 in 2021.
How does Newport News compare to neighboring areas?
Why are car insurance rates in Newport News different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Off-street parking accessibility
- Area regulations
- Total number of drivers
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Newport News?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Newport News in no time.
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?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Newport News?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Newport News or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.