Factors That Affect the Cost of Car Insurance in Newport News, VA
Factors That Affect the Cost of Car Insurance in Newport News, VA
Newport News Virginia car insurance

There are several factors that may affect your auto insurance rates, including your age, gender, and the amount of coverage you need. In many states, the amount of coverage you need will vary depending on your age, gender, and driving record. Newport News Virginia is no exception. In fact, young drivers tend to be considered high-risk drivers and have higher rates.


There are a variety of factors that affect the rates of car insurance in Newport News, VA. One of the biggest is driving history, with drivers with multiple accidents, speeding tickets and DUIs often paying more than those with clean driving records. The easiest way to avoid premium increases is to keep your driving history clean. This will give insurance providers confidence in your driving skills and will ultimately result in lower premiums.

For a safe driver, rates for a full-coverage car insurance policy in Newport News start at $73 a month. However, this can vary significantly between vehicles, making it important to know what types of coverage you need. In this segment, the most affordable cars to insure in Newport News are the Subaru Impreza, Acura RDX, and Subaru Legacy. Full-coverage insurance for a full-size car costs about $1,060 per year.

If you're looking for affordable car insurance in Newport News, VA, you might be surprised to find out that the average monthly premium for full-coverage car insurance in Newport News is only $73. This is slightly more than the statewide average of $1,005. It's important to note that Newport News auto insurance premiums increase with age. Those who are over fifty pay $1,082 less than those who are twenty-five. However, teenagers pay $2,536 to $3,616 per year for insurance.

The type of coverage you need will also have a big impact on your rate. For example, drivers who have clean driving records and have never been in an accident will pay less than those who have been in a wreck. However, if you have had several moving violations, your rates will probably be higher. As a good driver, you'll likely pay $1,066 for your auto insurance policy annually. The cheapest insurer is Erie Insurance, and the most expensive one is Allstate.


Many discounts are available for drivers in Newport News Virginia. One of the biggest is for drivers who drive safely and responsibly. The city of Newport News has a low incidence of auto theft, which can drastically reduce your insurance rates. However, there are other discounts you can find that will help you pay less for coverage.

Another discount is for drivers who own a newer car. New cars have less risk and can result in 25% lower premiums. A driver who wears their seat belts can also save 10% on their PIP and medical payments. However, most discount credits do not apply to the entire policy premium; some only apply to individual premiums.

Older drivers can also save money on their insurance. For example, a driver in his or her 20s pays $2,394 less for car insurance than a teenage driver. If you have more than one vehicle, you may qualify for additional discounts. You can also save money by getting multiple insurance policies from the same company.

Generally, car insurance rates in Newport News are around $84 per month. While that's a little higher than the state average, it's still less expensive than the national average. Some popular vehicles in the city have low monthly insurance costs: the Nissan Rogue, the Chevrolet Equinox, the Honda CR-V, and the Toyota Corolla Cross.

Minimum coverage

The state of Virginia requires motorists to have a minimum amount of car insurance. This amount is called the state minimum coverage. However, this amount may differ from one state to the next, so it is essential to shop around for the best price and coverage. Your state may also require you to have a certain amount of uninsured motorist coverage, medical payments coverage, and personal injury protection coverage.

Rates also vary depending on your driving history. Drivers with a lot of accidents or violations tend to pay higher rates than those with clean records. Use a car insurance comparison website such as Insurify to find out what rates you can expect to pay. A clean record is the best way to avoid premium increases. Insurance providers view drivers with clean records as reliable, so they provide them with lower rates.

You should also consider the amount of liability coverage you need. The minimum coverage required in Virginia is $25,000 per person and $50,000 per accident. In addition, you must carry at least $20,000 in property damage coverage and uninsured motorist insurance. If you choose to purchase additional coverage, you may find that the cost is significantly lower than you thought.

You should have liability insurance, which pays for other people's damages and medical expenses when you hit another car. While liability insurance is mandatory in Virginia, you should consider whether or not it is right for you. If you drive a low-mileage car, you may be able to save money by choosing usage-based insurance. Additionally, you can also choose a lower limit of coverage for lower monthly costs.

Age of driver

When purchasing Newport News Virginia car insurance, one of the things that may influence your premium is the age of the driver. Young drivers are usually considered high-risk drivers and often pay higher rates. Age is not the only factor that affects your rate; your credit score is also a factor that you should take into account.

Virginia requires you to carry at least liability insurance, which covers you in case of an accident. In addition to liability coverage, you also need to have uninsured motorist insurance. This coverage pays for the other driver's damages if you are at fault in an accident. If you are at fault in a crash, you must pay $500 to the Department of Motor Vehicles. In addition, failure to carry liability insurance is a Class 3 misdemeanor, which carries a $500 fine.

The cost of car insurance varies greatly, and teenagers are the most expensive drivers. However, drivers in their early twenties can enjoy savings of up to 40 percent. If you are a good driver, you can also save money by having a good credit score. Another important factor that influences the cost of insurance is your neighborhood ZIP code. For example, a driver in Newport News, Virginia, 23606 ZIP code is likely to pay an average of $2,040 per year. Teenagers can also lower their rate by adding themselves to a parent's auto insurance policy.

Young drivers need to compare their premiums and get a good deal. Although the average car insurance rate increases from age 18 to 24, it drops after that. In fact, it will plateau at about age 25. Young drivers should try to keep the same policy with the same insurer for several years to enjoy savings.

Vehicle type

When you compare quotes for Newport News, VA car insurance, there are a few factors that can affect your costs. First, you must consider your driving habits. Most insurance companies base their rates on commute mileage, which is the number of miles you drive each year. In the United States, the average driver commutes 14,000 miles per year and takes an average of 25 minutes. However, drivers in Newport News, VA typically travel less than this average, taking only 23 minutes to get to work. In addition, the weather in Newport News does not significantly affect insurance rates. However, it is important to be careful during the winter and fall months.

Liability insurance is mandatory in Virginia, and you must maintain a minimum of $25,000 in liability insurance coverage for yourself and others. You should also carry uninsured motorist coverage, which pays for damages caused by another driver. This type of coverage can make a huge difference if you are involved in an accident.

The type of insurance you buy will also affect your rates. In Newport News, VA, the most affordable average rates are for small or mid-size SUVs, mid-size pickup trucks, and vans. Meanwhile, the most expensive rates are for luxury and performance vehicles. Therefore, it is important to compare car insurance rates from multiple companies so you can choose the right policy for your needs.

Zip code

When comparing auto insurance rates, you should always remember that your ZIP code is not the only factor that affects the cost of your policy. Other factors such as your age, gender, vehicle model, driving history, and credit score will all have a direct effect on the price you pay for your coverage. Therefore, before applying for a new policy, be sure to consider your ZIP code in order to find the best deal for your situation.

The average car insurance premium in Newport News, Virginia, is $2,040 per year. A clean driving record could lead to a 40 percent discount. Also, having a good credit score will help you to lower your rates. Another factor that affects your rates is the ZIP code of your neighborhood. For example, the average car insurance premium in the 23606 Zip code in Newport News, Virginia is $2,040 per year. This may be an expensive amount for young drivers, but for senior drivers, the average annual rate for full coverage is $1,372 per year.

To make sure you're paying the lowest rates possible, compare several different quotes. For instance, drivers in Newport News, VA should compare the rates of the cheapest minimum coverage policy with the most expensive minimum coverage policy. These minimum coverage policies have the lowest liability limits and don't include collision and comprehensive insurance. The higher your liability limits, the more expensive your premium will be.