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.
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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.
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Updated November 21, 2024
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Table of contents
Alexandria residents pay a monthly average rate of $119 for liability-only coverage and $208 for full coverage, compared to the national averages of $104 and $204 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 USAA offer the cheapest car insurance in Alexandria.
Alexandria drivers pay $2,494 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $62 | $34 | Low rates |
State Farm | 9.3 | $64 | $35 | Coverage options |
USAA | 9.4 | $86 | $47 | Military members |
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.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
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
Best insurer for coverage options: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
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
Best insurer for military members: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
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
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.
Cheapest liability-only car insurance in Alexandria: Auto-Owners
Alexandria drivers pay an average of $119 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:
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $39 |
State Farm | $39 |
USAA | $53 |
GEICO | $53 |
Chubb | $59 |
Erie | $61 |
Clearcover | $67 |
Nationwide | $69 |
Mercury | $71 |
Allstate | $83 |
Progressive | $92 |
Direct Auto | $102 |
Elephant | $104 |
National General | $109 |
Travelers | $111 |
CSAA | $123 |
GAINSCO | $125 |
Safeco | $132 |
Dairyland | $140 |
Bristol West | $143 |
AssuranceAmerica | $154 |
Liberty Mutual | $177 |
The General | $184 |
Cheapest full-coverage car insurance in Alexandria: Auto-Owners
A full-coverage policy in Alexandria costs an average of $208 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:
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $72 |
State Farm | $73 |
USAA | $99 |
GEICO | $99 |
Chubb | $108 |
Erie | $112 |
Clearcover | $122 |
Nationwide | $129 |
Allstate | $154 |
Mercury | $155 |
Progressive | $169 |
Elephant | $179 |
CSAA | $187 |
Direct Auto | $197 |
Travelers | $207 |
National General | $211 |
Safeco | $214 |
Bristol West | $271 |
Liberty Mutual | $273 |
GAINSCO | $284 |
AssuranceAmerica | $293 |
Dairyland | $323 |
The General | $368 |
Cheapest recent rates near Alexandria, Virginia
Drivers in and around Alexandria, Virginia have found policies from Liberty Mutual, Safeco, Mercury, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on November 21, 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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $30,000 per person / $60,000 per accident |
Property damage liability | $20,000 |
Uninsured/underinsured motorist coverage | Matching coverage limits for bodily injury and property damage liability |
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:
Personal injury protection or medical payments coverage
PIP coverage and MedPay coverage offer financial protection for you and your own passengers in the event of an accident.
Gap coverage
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
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:
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $39 | $50 | $52 | $63 |
State Farm | $39 | $49 | $52 | $63 |
USAA | $53 | $67 | $71 | $86 |
GEICO | $53 | $67 | $71 | $86 |
Chubb | $59 | $76 | $79 | $96 |
Erie | $61 | $79 | $83 | $99 |
Clearcover | $67 | $86 | $96 | $109 |
Nationwide | $69 | $88 | $93 | $112 |
Mercury | $71 | $97 | $101 | $106 |
Allstate | $83 | $105 | $111 | $134 |
Progressive | $92 | $116 | $123 | $149 |
Direct Auto | $102 | $130 | $139 | $165 |
Elephant | $104 | $142 | $136 | $169 |
National General | $109 | $139 | $145 | $177 |
Travelers | $111 | $142 | $149 | $180 |
CSAA | $123 | $159 | $170 | $179 |
GAINSCO | $125 | $171 | $159 | $203 |
Safeco | $132 | $170 | $174 | $198 |
Dairyland | $140 | $178 | $185 | $227 |
Bristol West | $143 | $183 | $190 | $232 |
AssuranceAmerica | $154 | $195 | $201 | $250 |
Liberty Mutual | $177 | $242 | $251 | $287 |
The General | $184 | $238 | $250 | $298 |
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:
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $299 |
20s | $206 |
30s | $152 |
40s | $139 |
50s | $124 |
60s | $116 |
70s | $119 |
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:
Rates by Credit Tier
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 $119 per month for liability-only coverage and $208 per month for full coverage, according to Insurify data.
Who has the cheapest car insurance in Alexandria?
With a monthly liability rate of $39, Auto-Owners has the cheapest car insurance in Alexandria. Other affordable insurers include State Farm and USAA, with monthly liability rates of $39 and $53, 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Alexandria Economic Development Partnership. "Alexandria Demographics."
- Insurance Information Institute. "How to save money on car insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Virginia State Corporation Commission Bureau of Insurance. "Auto Insurance Consumer’s Guide."
- Virginia Department of Motor Vehicles. "2022 Virginia Traffic Crash Facts."
- U.S. Census Bureau. "Quick Facts Alexandria City, United States."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Older Drivers."
- National Association of Insurance Commissioners. "CREDIT-BASED INSURANCE SCORES."
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.
Featured in