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.
Policygenius makes comparing policies easy, so you can pick the company that offers you the coverage you need at your best rates.
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 | $77/month | 890 |
State Farm | $80/month | 882 |
Main Street America | $88/month | -- |
Farm Bureau | $92/month | -- |
GEICO | $92/month | 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 |
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 |
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 |
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 |
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.
