Explore ways to save on auto insurance in Newport News, Virginia.
The typical Newport News driver pays $1,025 per year for auto insurance. That's more expensive than the statewide average in Virginia ($1,005) and less expensive than the national average of $1,548. Our guide to Newport News auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
| Newport News Average (yearly) | Virginia Average | United States Average |
| $1,025 | $1,005 | $1,548 |
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Newport News, Erie offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Newport News. Don't forget to get car insurance quotes based on your unique driving profile.
| Insurance Company | Average Yearly Rate |
| Erie | $906 |
| USAA | $907 |
| Progressive | $937 |
| State Farm | $974 |
| Nationwide | $1,058 |
Consult our expert guide to finding the best cheap car insurance.
The age group that pays the least for car insurance in Newport News are drivers in their 50s ($877 per year). Those in their 60s don't pay much more ($919).
The Newport News drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Newport News is to age out of your teenage years. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Newport News is $2,394. That's the biggest gap in premiums between any pair of age brackets.
| Age | Average Annual Rate |
| Teenagers | $3,804 |
| 20s | $1,410 |
| 30s | $1,002 |
| 40s | $954 |
| 50s | $877 |
| 60s | $919 |
| 70s | $1,172 |
Learn more about the impact of age on car insurance premiums.
Marital status and gender are contributing factors to car insurance rates in many cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Newport News pay $127 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Newport News, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates. In Newport News, female drivers pay $3 per year more than do male drivers for car insurance.
| Marital Status/Gender | Average Annual Rate |
| Female | $1,028 |
| Male | $1,025 |
| Single | $898 |
| Married | $898 |
| Divorced | $1,025 |
| Widowed | $900 |
Learn more about how gender and marital status have on insurance rates.
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Newport News drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $407 per year versus the city average. A ticket for speeding results in a $250 rate hike, on average, while a DUI violation costs $559 per year in insurance premiums.
| Violation | Average Annual Rate |
| DWI/DUI | $1,584 |
| Reckless Driving | $1,433 |
| At-fault Accident (damages < $1,000) | $1,429 |
| At-fault Accident (damages greater than $2,000) | $1,606 |
| Speeding Ticket (16-20 mph over speed limit) | $1,275 |
Learn more about citations' impact on your auto insurance rates.
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Newport News drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Newport News, improving your credit to "Fair" could help you earn an $813 decrease in annual car insurance rates.
| Credit Level | Average Yearly Rate |
| Very Poor | $2,025 |
| Fair | $1,212 |
| Good | $1,025 |
| Very Good | $932 |
| Exceptional | $862 |
Learn more about the relationship between poor credit and car insurance.
