Insurance Costs in Newport News, VA
Auto insurance in Newport News averages $1,513 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Newport News, VA: What You Need to Know
Newport News residents pay an average of $1,513 per year for full coverage auto insurance, which is 8.0% above the Virginia state average and 9.6% below the national average.
With a population of 186,247, Newport News is a mid-size city in Virginia. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,513 | $126 |
| Standard Coverage (50/100/50) | $1,241 | $103 |
| State Minimum (30/60/20) | $635 | $53 |
Homeowners Insurance in Newport News, VA
The average cost of homeowners insurance in Newport News is $1,336 per year ($111/month), which is 26.6% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Newport News, VA
Renters insurance in Newport News averages $180 per year ($15/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Virginia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Virginia Beach | $1,429/yr | $1,415/yr |
| Chesapeake | $1,373/yr | $1,336/yr |
| Arlington | $1,471/yr | $1,598/yr |
| Norfolk | $1,569/yr | $1,376/yr |
| Richmond | $1,611/yr | $1,244/yr |
| Alexandria | $1,513/yr | $1,677/yr |
| Hampton | $1,541/yr | $1,376/yr |
| Roanoke | $1,373/yr | $1,114/yr |
How to Save on Insurance in Newport News
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Newport News can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Newport News, VA?
The average cost of car insurance in Newport News, VA is $1,513 per year for full coverage, or about $126 per month. Minimum coverage costs around $635 per year.
Is car insurance expensive in Newport News?
Car insurance in Newport News is relatively affordable compared to many U.S. cities.
How much is home insurance in Newport News?
Homeowners insurance in Newport News costs an average of $1,336 per year. Your actual cost depends on your home's value, age, construction type, and specific location.