Best car insurance in Alexandria, VA (2024)

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Ed ZuccarelliFreelance contributorEd 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 BrennanSenior Editor & Licensed Auto Insurance ExpertRachael 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.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

Updated|3 min read

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The average cost of a full coverage car insurance policy in Alexandria is $1,494, which is $145 more expensive per year than the Virginia average of $1,349. But drivers in Alexandria can save on car insurance by comparing rates from multiple companies before picking a policy.

Ready to shop car insurance?

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 $927.

  • ZIP code 22314 has the lowest average rate in the city.

Methodology & why you can trust our rates

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.

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

$927

890

State Farm

$955

882

Main Street America

$1,050

--

Farm Bureau

$1,106

--

GEICO

$1,108

874

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

22314

$1,471

22331

$1,473

22332

$1,476

22301

$1,485

22302

$1,491

22305

$1,498

22304

$1,509

22311

$1,544

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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

State Farm

Main Street America

Farm Bureau

GEICO

At-fault accident

$1,407

$1,158

$1,690

$1,552

$1,855

DUI

$1,835

$1,063

$2,669

$1,669

$2,524

Suspended license

$1,791

$1,063

$2,669

$1,669

$3,061

Open container

$1,653

$1,063

$2,669

$1,669

$2,524

Expired registration

$1,188

$1,063

$1,654

$1,547

$1,094

Driving without lights

$972

$1,063

$1,654

$1,547

$1,325

Running a red light

$1,188

$1,063

$1,811

$1,547

$1,325

Following too closely

$1,188

$1,063

$1,811

$1,547

$1,325

Hit and run

$1,875

$1,063

$2,669

$1,669

$2,524

Not-at-fault accident

$972

$968

$1,353

$1,502

$1,094

Passing a school bus

$1,422

$1,063

$2,669

$1,547

$1,325

Reckless driving

$1,295

$1,063

$2,669

$1,669

$2,524

Speeding

$1,188

$1,063

$2,669

$1,464

$2,524

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Cheapest car insurance for drivers with a DUI in Alexandria, VA

Drivers in Alexandria with a DUI or DWI will pay significantly more for car insurance than people with a clean driving record. Alexandria drivers pay an average of $1,494 per year, but drivers in Alexandria can expect to pay an average of $2,810 per year if they have a DUI, which is a 88% increase over the average rate for drivers in the city.

But rates are specific to the car insurance company, so some companies have lower car insurance rates than others, even for drivers with a DUI. Our research shows that State Farm, Farm Bureau, and USAA have the lowest rates for drivers with a DUI in Alexandria.

Company

Rates for drivers with DUIs

State Farm

$1,063

Farm Bureau

$1,669

USAA

$1,835

GEICO

$2,524

Main Street America

$2,669

Cheapest car insurance for drivers with a speeding ticket in Alexandria, VA

A speeding ticket or other moving violation can also increase your car insurance rates. Alexandria drivers should expect to pay an average of $2,031 per year for car insurance if they have a speeding ticket on their record.

Although a speeding ticket can make your insurance rates go up, you can save money on your car insurance by comparing quotes from multiple companies. We found that State Farm, USAA, and Farm Bureau offer the lowest rates for drivers with a speeding ticket in Alexandria.

Company

Rates for drivers with speeding tickets

State Farm

$1,063

USAA

$1,188

Farm Bureau

$1,464

GEICO

$2,524

Main Street America

$2,669

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

$1,663

USAA

$1,694

Nationwide

$1,815

State Farm

$1,961

Farm Bureau

$1,971

Ready to shop car insurance?

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: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $20,000

  • Personal injury protection: Optional

  • Uninsured/underinsured motorist coverage: Coverage must match your liability limits, so $30,000 per person and $60,000 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 $1,349 per year for car insurance, which breaks down to $112 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?

Virginia has more expensive car insurance than North Carolina. The average car insurance rate per year in Virginia is $1,349 and the average car insurance rate in North Carolina is $1,084 per year.

Authors

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 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.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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