Cheapest Auto Insurance in Woodbridge, Virginia (2024)

Residents in Woodbridge, Virginia — a suburb of Washington, D.C. — have an average commute to work of 37 minutes, according to the U.S. Census Bureau.^[1] The average monthly cost of liability car insurance in Woodbridge is $115. For comparison, liability coverage costs $97 per month in Virginia and $104 in the U.S., on average.

The city’s urban location, relatively high population density, and significant number of D.C.-bound commuters likely contribute to its higher car insurance rates. Comparing quotes from multiple companies can help you find lower rates.

Here’s what you need to know to find an insurance policy in Woodbridge that meets your needs and fits your budget.

3 of the cheapest car insurance companies in Woodbridge

While the right company for you will depend on your unique needs and driver profile, you can start by evaluating the insurance companies that offer the cheapest average monthly quotes.

Here are three of the best options for cheap auto coverage in Woodbridge. The quotes provided below reflect statewide average costs in Virginia.

Best insurer for cheap rates: Auto-Owners

Best insurer for customer satisfaction: State Farm

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Woodbridge

While you can’t change your age or wipe your driving record clean, here are a few ways you can reduce your car insurance premiums in Woodbridge:

• Compare quotes. Some companies charge more than others in Woodbridge, so it’s a good idea to compare quotes. You can collect quotes from each insurer’s website, contact a broker or independent insurance agency, or use an insurance-comparison platform to save time.

• Choose a higher deductible. Your deductible is your share of the financial responsibility for an accident. A higher deductible means lower monthly premiums. Just make sure you have a plan to pay your deductible in the event of a claim.

• Ask about discounts. You may be eligible for discounts, including safe driver and driver education discounts, which can significantly reduce your premium. You can also save by bundling your auto insurance with homeowners insurance at some companies. Ask your agent for details.

• Improve your credit. Pay your bills on time and pay down debt to increase your credit score, and insurers may reward you with cheaper car insurance quotes.

• Opt for minimum coverage. If you have an old or inexpensive car, consider forgoing full-coverage insurance on that vehicle.

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

Liability insurance covers other parties’ medical bills and property damage in an accident you cause. In most cases, experts recommend full-coverage insurance, but according to Tish Faulkner, eastern region sales development director at Mercury Insurance, “A liability-only policy may be appropriate for drivers with older vehicles since the cost to repair or replace an older vehicle may be less expensive.”

Liability-only insurance is significantly cheaper than full-coverage auto insurance. On average, Woodbridge drivers pay $115 per month for liability insurance. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge.

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

Full-coverage insurance includes collision coverage, which pays for physical damage to your vehicle after you cause a crash, and comprehensive coverage, which pays for damage from non-collision events, like fire and theft.

“[It’s] usually recommended for newer or more expensive vehicles since the cost to repair or replace them can be significant,” says Faulkner. “Those with a vehicle on loan or leased may also have to pay [for] full coverage since the lender will want the car protected in case of an accident.”

The average cost of full-coverage insurance in Woodbridge is $194 per month. Some auto insurance companies offer cheaper quotes for full-coverage insurance than others. Here are the companies in Woodbridge that offer the cheapest average quotes for full-coverage auto insurance.

Car insurance requirements in Virginia

Virginia is a tort state rather than a no-fault state, which means you’re liable for the other party’s losses when you cause an accident. If you don’t have sufficient liability insurance, the other driver in an accident can sue you for any additional damages. Virginia’s minimum car insurance requirements are relatively robust, but you may still want to consider higher limits.

Below are the coverages and limits Virginia law requires. Note that the limits will increase from 30/60/20 to 50/100/25 for policies effective Jan. 1, 2025.

• 

  Bodily injury liability

  • $30,000 per person

  • $60,000 per accident

• 

  Property damage liability

  • $20,000 per accident

• 

  Uninsured/underinsured motorist coverage

  • Equal to bodily injury and property damage liability limits

You may also consider additional coverages for extra protection, including:

• 

  Collision coverage

  Collision insurance covers damage to your vehicle after an at-fault accident.

• 

  Comprehensive coverage

  Comprehensive insurance covers damage to your car after a non-collision event, like a natural disaster, falling objects, theft, or vandalism.

• 

  Personal injury protection (PIP) or medical payments (MedPay) coverage

  MedPay covers medical bills for you and your passengers, while PIP also covers lost wages and other expenses.

• 

  Gap insurance

  Gap insurance helps pay the difference between what your car is worth and what you have left on your auto loan if your car is a total loss after damage.

Cheapest car insurance for drivers with an incident

“Your driving record is one of the biggest factors in calculating your premium and is actually one of the rating factors you can control,” says Faulkner. Speeding tickets and at-fault accidents can both raise your premiums, and driving under the influence is a particularly serious offense that nearly doubles premiums on average in Woodbridge.

“Driving attentively, avoiding accidents, and remaining ticket-free is the best way to keep your insurance costs as low as possible,” Faulkner advises. It’s also important to compare quotes since some auto insurance companies are more lenient toward drivers with incidents on their record than others.

On average, Woodbridge drivers with a past driving incident on their records pay $147 per month for liability insurance and $248 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

In Woodbridge, a speeding ticket increases your car insurance premium. Drivers in the city with a past speeding ticket pay $157 per month for liability insurance.

Some car insurance companies offer affordable premiums to drivers with speeding tickets. If you have a speeding ticket, consider the cheapest companies available in Woodbridge.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

If you’ve caused an accident in the past, insurance companies may view you as a high-risk driver and increase your premiums. On average, liability coverage for Woodbridge drivers with a past at-fault accident costs $161 per month.

Here are the average monthly quotes after an accident from the cheapest insurers in Woodbridge.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Virginia requires you to provide an FR-44 certification to the Department of Motor Vehicles to drive again after a DUI. Your insurance company must file the certification, which shows that you have double the required insurance minimums. This requirement nearly doubles costs for DUI drivers. But some insurance companies are more generous with policyholders than others after a DUI.

The cost of liability coverage for Woodbridge drivers with a past DUI is $184 per month on average. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.

Cheapest car insurance for seniors: Auto-Owners

Age is one of the factors that influence car insurance premiums because it relates to your experience driving.^[5] “Drivers with more experience, who have not been involved in accidents or moving violations for a considerable amount of time, typically pay less for auto insurance,” says Faulkner. Drivers in their 50s and 60s tend to get the best quotes.

But prices increase slightly for drivers 70 and older due to an increased risk of serious injuries and other factors.^[6] On average, senior drivers in Woodbridge pay $89 per month for liability coverage and $150 for full-coverage insurance.

Compare quotes from the cheapest car insurance companies for senior drivers below.

Cheapest car insurance for teens: Auto-Owners

Teen drivers pay much more than adults because research shows they’re more likely to be in an accident than any other age group. Teens therefore pose a higher risk to insurance companies than older drivers with more experience.

The average cost of coverage in Woodbridge for teen drivers is $209 per month for liability coverage and $353 for full coverage.

Luckily, teens can save on car insurance in a few ways, including keeping good grades and earning a good student discount. Some insurers may offer driver education or telematics discounts. And staying on your parents’ insurance can save your family money. It’s also a good idea to compare quotes since some companies offer teens better prices than others.

Below are the cheapest auto insurers for teens and their average monthly quotes.

Woodbridge car insurance quotes by credit tier

Car insurance companies in Woodbridge can use your credit-based insurance score, which is based on information in your credit report, when setting your premium.^[7] That’s because research shows that people with poor credit account for a higher share of car insurance claim payouts.^[8] Because they represent a higher risk to insurers, people with poor credit history pay more for car insurance.

On the other hand, drivers with good credit history tend to pay the least. That’s why it’s important to maintain good credit. Below are the average quotes for Woodbridge drivers in each credit tier for full-coverage car insurance. As you can see, drivers with bad credit pay more than double what drivers with excellent credit pay.

Is car insurance more expensive in Woodbridge?

Car insurance in Woodbridge costs $115 per month for liability insurance and $194 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $97 per month for liability and $179 for full coverage. Car insurance premiums vary within the state and by ZIP code due to location-based factors related to population, rates of crime and theft, and accident rates.^[5]

Though Woodbridge has a low population of around 45,000, the city has a relatively high population density of about 5,000 people per square mile.^[1] Drivers in areas with higher population density face higher risks of property damage and vehicle accidents, which likely increases average auto insurance rates.

More cities in Virginia

Below, you can compare the average monthly liability and full-coverage insurance rates in different Virginia cities.

Woodbridge car insurance FAQs