The best car insurance in Alexandria, VA

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By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average cost of a full coverage car insurance policy in Alexandria is $1,452, only slightly higher than the Virginia average of $1,314. But drivers in Alexandria can save on car insurance by comparing rates from multiple companies before picking a policy.

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Policygenius makes comparing policies easy, so you can pick the company that offers you the coverage you need at your best rates.

Key takeaways

  • Virginia is one of the only states that allows drivers to drive uninsured, but drivers who choose to carry car insurance must meet the state minimums.

  • USAA Insurance has the lowest average rates in Alexandria at $875.

  • ZIP code 22305 has the lowest average rate in the city.

Cheapest car insurance companies in Alexandria, VA

Your rates are determined by your particular details, like your age, where you live, how much you drive, and any accidents or claims in your history. But rates can also vary from company to company, which is why it’s important to shop around and compare rates before buying a policy.

Company

Average cost

JD Power Rating

USAA

$875

890

GEICO

$947

871

State Farm

$1,010

881

Main Street America

$1,013

--

Virginia Farm Bureau

$1,122

--

Cheapest car insurance rates by ZIP code in Alexandria, VA

Even within a smaller city like Alexandria, rates can vary from neighborhood to neighborhood. The number of cars on the road and the frequency of accidents, traffic tickets, and insurance claims in your area will all affect what you’ll pay for car insurance.

ZIP code

Average cost

22301

$1,445

22302

$1,456

22304

$1,465

22305

$1,440

22311

$1,508

22314

$1,436

22331

$1,431

22332

$1,434

Choosing the right car insurance company in Alexandria, VA

Finding the right car insurance company all comes down to shopping around. Since car insurance rates are so personalized, the best company for one driver might not be best for another, so it’s important to compare quotes in order to find your most affordable options.

Policygenius makes it easy to see what you’ll pay for coverage from top companies, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Alexandria, VA

A moving violation not only means a fine or points on your license, it could mean an increase in your car insurance rates. And more serious infractions can have an especially big impact on your rates.

Violation

USAA

GEICO

State Farm

Main Street America

Virginia Farm Bureau

At-fault accident

$1,332

$1,627

$1,223

$1,182

$1,576

DUI

$1,736

$2,086

$1,123

$2,609

$1,689

Suspended license

$1,695

$2,535

$1,123

$2,609

$1,689

Open container

$1,567

$2,086

$1,123

$2,609

$1,689

Expired registration

$1,127

$914

$1,123

$1,629

$1,571

Driving without lights

$925

$1,161

$1,123

$1,629

$1,571

Not showing documents

$1,127

$914

$1,123

$1,629

$1,689

Running a red light

$1,127

$1,161

$1,123

$1,697

$1,227

Failure to yield

$1,127

$1,161

$1,123

$1,629

$1,689

Following too closely

$1,127

$1,161

$1,123

$1,697

$1,227

Hit and run

$1,773

$1,933

$1,123

$2,609

$1,664

Illegal turn

$1,127

$1,161

$1,123

$1,697

$1,227

Improper passing

$1,127

$1,161

$1,123

$1,697

$1,571

Not-at-fault accident

$925

$914

$1,024

$1,325

$1,512

Passing a school bus

$1,349

$1,161

$1,123

$2,609

$1,571

Racing

$1,736

$2,086

$1,123

$2,609

$1,689

Reckless driving

$1,228

$2,086

$1,123

$2,609

$1,689

Speeding

$1,127

$2,086

$1,123

$2,609

$1,490

Cheapest car insurance for drivers with bad credit in Alexandria, VA

Drivers with low credit scores pay more for car insurance than drivers with stellar scores. If you do have credit issues, comparing quotes and finding the best deal is even more important.

Company

Rates for drivers with bad credit

GEICO

$1,380

USAA

$1,611

Nationwide

$1,783

Virginia Farm Bureau

$1,994

State Farm

$2,069

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Buying car insurance in Alexandria, VA

Virginia is one of the only states in the U.S. that doesn’t explicitly require car insurance. Instead of having insurance coverage, Virginia drivers have the option to pay a $500 fee to the Virginia DMV.

However there are still risks to driving uninsured even if it’s legal — an accident could leave you on the hook for thousands of dollars worth of damage. The best way to be protected is to have car insurance, and for Virginia drivers who choose to have car insurance, the minimum required limits are:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

  • Personal injury protection: Optional

  • Uninsured/underinsured motorist coverage: Coverage must match your liability limits, so $25,000 per person and $50,000 per incident   

How to get cheap car insurance in Alexandria, VA

  • Know your needs. Understand what coverages you need and how much you can afford.

  • Find out about discounts: Take advantage of savings for things like insuring multiple cars on the same policy or paying your annual premium in full.

  • Bundle your policies: Get multiple policies from the same insurer and save.

  • Shop around: That’s the best way to get a low price on your car insurance.

Frequently asked questions

How much is car insurance per month in Virginia?

Drivers in Virginia pay an average of $1,314 per year for car insurance, which breaks down to $109.50 per month.

How often should I update my coverage in VA?

You should update your coverage any time you experience a life change that might affect your coverage needs or rates. Marriage, divorce, adding or removing a driver from your policy, or buying or selling a vehicle or home are the types of things that may require changes to your policy.

Is car insurance expensive in Virginia?

No, Virginia has some of the lowest car insurance rates in the country. Despite having low average rates, drivers in Virginia can still save money on car insurance by comparing quotes from multiple companies.

Is car insurance cheaper in Virginia or North Carolina?

The average car insurance rate per year in Virginia is $1,314 and the average car insurance rate in North Carolina is $1,009 per year, which means North Carolina drivers pay $305 less per year than drivers in Virginia.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Freelance contributor

Ed Zuccarelli

Freelance contributor

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Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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