Cheapest Auto Insurance in Alexandria, Virginia (2024)

Auto-Owners offers the cheapest car insurance in Alexandria, with minimum-coverage policies as low as $41 per month.

8 years in insurance and personal finance writing

Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

Read Editorial Guidelines

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7+ years in content creation and management

5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Read Editorial Guidelines

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Updated July 18, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

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Cheapest recent rates near Alexandria, Virginia

Liberty Mutual helped a Nissan Rogue driver in Weyers Cave, Virginia save on car insurance with this quote.

A Abingdon, Virginia driver just saved on coverage for their Chevrolet Impala with this quote from Mercury.

State Farm's average rate for Virginia drivers with good credit and a clean driving record.

Safeco helped a Ford Fiesta driver in Radford, Virginia save on car insurance with this quote.

A Gladstone, Virginia driver just saved on coverage for their Jeep Grand Cherokee with this quote from Elephant.

We just helped a driver in Smithfield, Virginia cover their Jeep Cherokee with this quote from Dairyland.

Direct Auto helped a Nissan Quest driver in Lynchburg, Virginia save on car insurance with this quote.

A Prince George, Virginia driver just saved on coverage for their Dodge Journey with this quote from Bristol West.

We just helped a driver in Abingdon, Virginia cover their Ford Expedition with this quote from National General.

*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on July 18, 2024

Liberty Mutual helped a KIA Optima driver in Ashburn, Virginia save on car insurance with this quote.

A Abingdon, Virginia driver just saved on coverage for their Ford Escape with this quote from Mercury.

GEICO's average rate for Virginia drivers with good credit and a clean driving record.

National General helped a KIA Optima driver in Ashburn, Virginia save on car insurance with this quote.

A Norfolk, Virginia driver just saved on coverage for their GMC Acadia with this quote from Elephant.

We just helped a driver in Prince George, Virginia cover their Dodge Journey with this quote from GAINSCO.

Direct Auto helped a KIA Sorento driver in Christiansburg, Virginia save on car insurance with this quote.

A Fredericksburg, Virginia driver just saved on coverage for their Toyota RAV4 with this quote from Bristol West.

We just helped a driver in Newport News, Virginia cover their Mercedes Benz E-Class with this quote from The General.

*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on July 18, 2024

Alexandria residents pay a monthly average rate of $110 for liability-only coverage and $177 for full coverage, compared to the national averages of $105 and $214 for the same policy types.

Even with so many professionals working for the government in Alexandria and across the Potomac River in Washington, D.C., the average cost of insurance is roughly similar to the country as a whole. Alexandria drivers tend to drive safely, have better credit, and be in their prime years for the best insurance prices — all factors that contribute to low overall rates.

Comparing quotes from multiple car insurance companies could help Alexandria drivers save even more.

Auto-Owners, State Farm, and GEICO offer the cheapest car insurance in Alexandria.

Alexandria drivers pay $2,127 per year, on average, for a full-coverage policy.

Virginia drivers can pay a $500 fee to avoid buying car insurance — until July 1, 2024, when insurance will become mandatory.

3 of the cheapest car insurance companies in Alexandria

Car insurance isn’t a one-size-fits-all service. That’s why many companies offer coverage options based on your family’s needs.

Each company prices its policies differently, so it’s important to spend a few minutes comparing quotes and coverage options. This can save you hundreds or thousands of dollars in the long run. Start your search for coverage with the three insurers below.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

Best insurer for low rates: Auto-Owners

low ratesAuto-Owners

Auto-Owners offers some of the lowest auto insurance rates to Alexandria residents, costing about one-third less than other popular insurers like GEICO. Reviews are mixed on many sites. But the National Association of Insurance Commissioners (NAIC) records a much lower number of complaints than expected for an insurance company of its size.

Auto-Owners sells its policies through independent agents whom you’ll need to contact for a quote. Also, if you’re only stationed in Alexandria temporarily for work and might be re-assigned somewhere else later, keep in mind that Auto-Owners is only available in 26 states across the U.S.

Offers many discounts

A++ (Superior) AM Best financial strength rating

Can’t get a quote online

Doesn’t offer rideshare coverage

Great, Except for the Price

Excellent

Rate Increases Too Much for Someone on a Fixed Income

Best insurer for coverage options: State Farm

coverage optionsState Farm

As the largest U.S. auto insurer by market share, State Farm has a few advantages that could be helpful if you live in Alexandria. State Farm is available nationwide, except for in Massachusetts and Rhode Island, so if you move elsewhere, you don’t have to worry about finding a new auto insurer.

State Farm also offers one of the widest ranges of insurance products, whether you need renters insurance, home insurance, life insurance, or even insurance policies for business owners with a home office. State Farm also offers savings accounts and other more traditional options from a financial institution through its partnership with U.S. Bank.

Lots of coverage options

Offers rideshare coverage

More expensive for people with bad credit

Doesn’t cover custom or aftermarket equipment

Cost Too Much

Not Good

Might Be Good to Look Elsewhere

Best insurer for military members: USAA

military membersUSAA

More Alexandria residents work for the Department of Defense than any other single employer.[1]If that’s you, then consider USAA, another full-service financial institution catering to military members, veterans, and their families.

USAA offers many coverage options for individuals and families, such as hefty discounts if you store your car while you’re deployed or otherwise away, and permanent discounts if you have a family history of being policyholders.

Excellent customer service

Extra products and discounts for families

Doesn’t offer gap insurance

No nearby brick-and-mortar offices

The quality of service largely depends on the representative you interact with. We had an excellent representative, so our experience was excellent.

Great Company, Great Employees

Good

How to get the cheapest car insurance in Alexandria

Insurance agencies consider many different factors when calculating the cost of car insurance. Your address — even among different areas of Alexandria — can have a big effect on your monthly rates because your risk of vandalism, vehicle theft, accidents, and other claims changes in different areas.

Your credit score, vehicle details, and even your education level can also affect the rates that companies may quote you. Finding the best rate doesn’t have to be complicated, though. Here are some tips to help you:[2]

Shop around. Get an insurance quote from at least three companies to help you find the lowest price.

Ask about discounts. Look for companies offering special rates or catering to employees of military and other government organizations.

Find an agent. Consider working with an experienced agent or broker to help you find the best option among different companies if you have specific insurance needs.

Drive safely. A clean driving record will help you save on insurance coverage.

Find Cheap Car Insurance in Alexandria, Virginia

Liability-only rates start at $41 per month

Cheapest liability-only car insurance in Alexandria: Auto-Owners

Alexandria drivers pay an average of $110 per month for minimum coverage, according to Insurify data. This type of policy doesn’t cover you or your personal belongings at all, only offering a limited amount of liability coverage if you injure someone else or their property while driving.

Here’s how much the top companies in Alexandria are charging for liability coverage:

Cheapest full-coverage car insurance in Alexandria: Auto-Owners

A full-coverage policy in Alexandria costs an average of $177 per month. Full coverage adds on collision and comprehensive to protect your car in case of an at-fault accident and other hazards like weather and theft.

Insurers offering full-coverage policies to Alexandria customers charge the following average rates:

Cheapest recent rates near Alexandria, Virginia

Liberty Mutual helped a Nissan Rogue driver in Weyers Cave, Virginia save on car insurance with this quote.

A Abingdon, Virginia driver just saved on coverage for their Chevrolet Impala with this quote from Mercury.

Allstate's average rate for Virginia drivers with good credit and a clean driving record.

GAINSCO helped a Nissan Quest driver in Lynchburg, Virginia save on car insurance with this quote.

A Prince George, Virginia driver just saved on coverage for their Dodge Journey with this quote from Bristol West.

We just helped a driver in Smithfield, Virginia cover their Jeep Cherokee with this quote from Dairyland.

*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on July 18, 2024

Liberty Mutual helped a KIA Optima driver in Ashburn, Virginia save on car insurance with this quote.

We just helped a driver in Abingdon, Virginia cover their Ford Escape with this quote from Mercury.

Allstate's average rate for Virginia drivers with good credit and a clean driving record.

Direct Auto helped a KIA Optima driver in Ashburn, Virginia save on car insurance with this quote.

We just helped a driver in Ashburn, Virginia cover their KIA Optima with this quote from Elephant.

A Christiansburg, Virginia driver just saved on coverage for their KIA Sorento with this quote from National General.

*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on July 18, 2024

Car insurance requirements in Virginia

Virginia is one of the few U.S. states that doesn’t require drivers to purchase car insurance, as long as you pay a $500 uninsured motor vehicle fee each time you renew your registration.[3] But starting July 1, 2024, Virginia will do away with the uninsured vehicle fee and require all drivers to buy the state’s minimum amount of liability insurance. 

Here are Virginia’s minimum coverage requirements for drivers who choose to buy a policy:[4]

Moving upward in protection, a full-coverage policy adds on comprehensive and collision coverages. Depending on your individual needs, you might consider other insurance coverage options, such as the following:

PIP coverage and MedPay coverage offer financial protection for you and your own passengers in the event of an accident.

Gap insurance reimburses you for any difference between your insurance payout and the remaining balance on your auto loan if your vehicle is totaled.

Roadside assistance coverage helps pay for short-term emergency expenses in getting you back on the road, such as flat tires, tows, and more.

Cheapest car insurance for drivers with an incident

Alexandria has a lower rate of traffic-related deaths compared to surrounding areas.[5] Even so, you can expect your insurance payments to ramp up significantly if you have an at-fault accident, a speeding ticket, or a conviction for driving under the influence on your record. These violations indicate that you’re a higher-risk driver.

Here’s how much you can expect to pay for liability coverage if you live in Alexandria and have certain traffic infractions on your driving record:

Average cost of car insurance by age

People living in Alexandria tend to be in the prime of their life, at least when it comes to insurance rates. The area as a whole has about 4% fewer people younger than 18 and 5% fewer adults older than 65 compared to the rest of the United States.[6]

This is important because your car insurance rates tend to be highest in your teens, gradually decreasing until your mid-30s where they plateau until they start increasing again in your early 70s. [7] [8] This reflects your riskiness as a driver; teens and senior drivers are statistically more likely to get in accidents.

Here’s how much Alexandria drivers of different ages typically pay for coverage:

Shop for Car Insurance in Alexandria, VA

Check quotes from 100+ top insurance companies

Alexandria car insurance quotes by credit tier

Insurance companies use your credit history as another predictor of your risk, a practice banned in some states but not in Virginia.[9] If you have a good credit score, you can expect to pay a lot less for car insurance than if you have poor credit.

Here’s how much Alexandria drivers with different credit profiles pay for full-coverage insurance:

Alexandria car insurance FAQs

If you’re shopping for car insurance in Alexandria, Virginia, this additional information may help as you research your coverage options.

How much is car insurance in Alexandria?

Car insurance in Alexandria costs an average of $110 per month for liability-only coverage and $177 per month for full coverage, according to Insurify data.

Who has the cheapest car insurance in Alexandria?

With a monthly liability rate of $41, Auto-Owners has the cheapest car insurance in Alexandria. Other affordable insurers include State Farm and GEICO, with monthly liability rates of $42 and $57, respectively.

But the cheapest car insurance company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.

What are the best car insurance companies in Alexandria?

With above-average J.D. Power customer satisfaction ratings, an A++ (Superior) AM Best financial strength rating, and a high Insurify Quality (IQ) score of 9.3 out of 5, State Farm is one of the best car insurance companies in Alexandria. Other top insurers in the city include Auto-Owners and USAA.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

7+ years in content creation and management

5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Read Editorial Guidelines

Featured in

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