Best Cheap Auto Insurance in Woodbridge, Virginia (2024)

Located near Washington, D.C., Woodbridge, Virginia, is a popular shopping and outdoor recreation destination. Woodbridge residents have an average commute to work of 37 minutes, according to the U.S. Census Bureau.^[1] The city’s urban location and significant number of D.C.-bound commuters likely contribute to its higher car insurance rates.

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

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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.

Cheapest coverage: Auto-Owners

Highest customer satisfaction: State Farm

Best discounts: GEICO

Cheapest liability-only car insurance in Woodbridge

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. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge:

Cheapest full-coverage car insurance in Woodbridge

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 noncollision 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.”

Some auto insurance companies offer cheaper quotes for full-coverage insurance than others. Below 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. You can opt to pay an annual $500 uninsured motor vehicle fee in lieu of these requirements, but it’s not recommended.^[2]

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  Bodily injury liability

  • $30,000 per person

  • $60,000 per accident

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  Property damage liability

  • $20,000 per accident

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

• 

  Collision coverage

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

• 

  Comprehensive coverage

  This covers damage to your car after a noncollision 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.

• 

  Uninsured/underinsured motorist coverage

  This coverage reimburses you if you’re the victim of a hit-and-run or a crash that someone without insurance — or without sufficient coverage — causes.

• 

  Gap insurance

  This 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.

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Cheapest car insurance for drivers with a speeding ticket

In Woodbridge, a speeding ticket increases your car insurance premium by an average of 34%. But some car insurance companies offer affordable premiums to drivers with speeding tickets. If you have a speeding ticket, below are the cheapest companies to consider and their average monthly quotes.

Cheapest car insurance for drivers with an at-fault accident

If you’ve caused an accident in the past, insurance companies may view you as a high-risk driver and raise your premiums. On average, the increase is about 43% in Woodbridge, Virginia. Here are the cheapest insurers, along with their average monthly quotes after an accident.

Cheapest car insurance for drivers with a DUI

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.

However, some insurance companies are more generous with policyholders than others after a DUI. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.

Cheapest car insurance for seniors

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.

However, prices increase slightly for drivers older than 75 due to an increased risk of serious injuries and other factors.^[6] Below are the cheapest car insurance companies for senior drivers and their average monthly quotes.

Cheapest car insurance for teens

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.

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.

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 you may be rewarded 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.

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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. Because they represent a higher risk to the insurer, people with poor credit scores pay more for car insurance.

On the other hand, drivers with excellent or good credit scores 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?

Full-coverage car insurance in Woodbridge costs $266 on average, which is just 4% more than the statewide average and about 2% less than the national average. Car insurance premiums vary within the state and may even vary by ZIP code.

That’s because busy urban areas have more accidents and higher rates of theft and vandalism.^[5] For example, car insurance in Richmond is about 9% more expensive than in Woodbridge. Where you park your car can play a role as well, according to Faulkner. “Vehicle garaging location remains a preeminent component in most carriers’ rating processes,” she says.

More cities in Virginia

Below are some popular cities in Virginia and the average monthly full-coverage quotes for car insurance there. The third column shows how each city compares to Woodbridge. For example, drivers in Roanoke pay 26% less than residents of Woodbridge, while Norfolk drivers pay about 8% more for full coverage.

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