Cheapest Car Insurance Quotes in New Virginia

Finding the cheapest car insurance quotes in New Virginia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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New Virginia Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in New Virginia

The car insurance rate in New Virginia is $769 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in New Virginia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in New Virginia

$769

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in New Virginia

1st place: West Bend Mutual

At $405 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $458 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $484 for six months, making it the third cheapest auto insurance company in New Virginia.

New Virginia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Virginia, IA is West Bend Mutual, offering policies at just $405 for a six-month term. This is followed by Grange, which has an average six-month premium of $458.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1509 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Virginia drivers find the best deals.

Cheap Car Insurance Companies in New Virginia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$405	$67
Grange	$458	$78
Travelers	$484	$81
Auto-Owners Insurance Co	$491	$84
Hastings Mutual	$503	$84
Westfield	$536	$91
IMT Insurance Company	$556	$92
State Farm	$660	$111
American Family	$680	$114
USAA	$725	$122
Pekin	$738	$123
Progressive	$745	$125
Auto-Owners	$902	$151
Farm Bureau Mutual (IA Group)	$909	$154
Farm Bureau	$1020	$169
Nationwide	$1209	$206
Grinnell Mutual	$1320	$220
Allstate	$1509	$254

Key Takeaways

Way's key takeaways about car insurance in New Virginia

The auto insurance costs in New Virginia fall around $405 for six months.
The cheapest auto insurance company in New Virginia is Pekin.
Teen drivers pay the highest rate in New Virginia at $650 per month.

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Cheapest Minimum Liability Car Insurance in New Virginia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in New Virginia are given below.

Pekin provides the cheapest minimum car insurance coverage in New Virginia. Their Average 6 Month Premium is $111. West Bend is the most expensive at $138 for the same period.

Cheapest Liability Coverage in New Virginia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$111	$19
Westfield	$118	$20
Hastings Mutual	$124	$21
Progressive	$131	$22
West Bend Mutual	$131	$22
USAA	$138	$23
Grange	$144	$24
State Farm	$144	$24
Farm Bureau Mutual (IA Group)	$157	$26
Auto-Owners Insurance Co	$164	$28
Iowa Farm Bureau	$176	$30
Travelers	$183	$31
Farm Bureau	$189	$32
American Family	$196	$33
Auto-Owners	$209	$35
Grinnell Mutual	$294	$50
Allstate	$431	$73
Nationwide	$458	$78
West Bend	$138	$23

Cheapest Full Coverage Car Insurance in New Virginia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in New Virginia is West Bend Mutual at $67 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Virginia, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$405	$67
Grange	$458	$78
Travelers	$484	$81
Auto-Owners Insurance Co	$491	$84
Hastings Mutual	$503	$84
Westfield	$536	$91
IMT Insurance Company	$556	$92
State Farm	$660	$111
American Family	$680	$114
USAA	$725	$122
Pekin	$738	$123
Progressive	$745	$125
Auto-Owners	$902	$151
Farm Bureau Mutual (IA Group)	$909	$154
Farm Bureau	$1020	$169
Nationwide	$1209	$206
Grinnell Mutual	$1320	$220
Allstate	$1509	$254

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Average Car Insurance in New Virginia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in New Virginia, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in New Virginia, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, New Virginia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in New Virginia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in New Virginia,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the New Virginia at $24 per month. At $3823 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
Grange	$164	$28
West Bend Mutual	$176	$30
Iowa Farm Bureau	$202	$34
Travelers	$686	$116
USAA	$856	$144
Progressive	$1287	$217
State Farm	$1464	$246
American Family	$1731	$292
Farm Bureau	$2229	$372
Farm Bureau Mutual (IA Group)	$2451	$417
Auto-Owners	$2496	$416
Grinnell Mutual	$2967	$505
Allstate	$3267	$550
Nationwide	$3823	$650

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in New Virginia, Grange is the cheapest car insurance provider. At $189 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in New Virginia is Grinnell Mutual, offering rates of around $2320 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$189	$32
Westfield	$229	$39
West Bend Mutual	$235	$40
Travelers	$255	$43
Progressive	$738	$124
American Family	$849	$143
State Farm	$1581	$266
Nationwide	$1725	$294
Farm Bureau	$1758	$293
Allstate	$2287	$389
Auto-Owners	$2307	$384
Grinnell Mutual	$2320	$395

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Car Insurance Rates with An Accident in New Virginia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In New Virginia, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New Virginia

The cheapest car insurance companies after an at-fault accident in New Virginia include Hastings Mutual and Pekin, offering $124 and $151, respectively. Allstate is an expensive provider with an average six-month premium of $2071.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$124	$21
Pekin	$151	$25
Western National	$196	$33
Westfield	$196	$33
Grange	$222	$37
Auto-Owners Insurance Co	$229	$39
West Bend Mutual	$229	$39
State Farm	$477	$80
Travelers	$491	$83
Progressive	$693	$117
Grinnell Mutual	$784	$132
American Family	$902	$152
USAA	$1007	$167
Auto-Owners	$1183	$201
Farm Bureau Mutual (IA Group)	$1340	$223
Farm Bureau	$1660	$283
Nationwide	$1921	$320
Allstate	$2071	$349

New Virginia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Virginia IA. For example, the car insurance in New Virginia after a DUI increases to $783 for a six month policy. While the rate increases by $111 for a six-month policy in the case of a speeding ticket.

New Virginia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$922	$154
One Med/PIP claim	$934	$158
Not-at-fault accident	$960	$161
One comp claim	$987	$168
Two Med/PIP claims	$1013	$168
Child safety restraint	$1033	$176
Failure to show documents	$1033	$172
Failure to wear a seat belt	$1033	$176
Speeding 6 - 10 MPH over limit	$1033	$172
Two comp claims	$1033	$176
Driving without lights	$1038	$173
Driving with expired registration	$1065	$182
Failure to yield	$1065	$177
Illegal turn	$1065	$182
Failure to stop at a red light	$1071	$178
Wrong way/wrong lane	$1078	$184
Cell phone violation	$1085	$180
Driving too slowly	$1085	$185
Speeding 11 - 15 MPH over limit	$1085	$180
Texting while driving	$1085	$185
Speeding 16 - 20 MPH over limit	$1091	$182
Speeding in school zone	$1104	$188
Improper passing	$1111	$185
Following too closely	$1118	$190
At-fault accident - less than $1000	$1137	$189
Passing school bus	$1156	$197
Operating a vehicle without permission	$1216	$202
At-fault accident - $1000-$2000	$1235	$210
Speeding 21 - 25 MPH over limit	$1235	$206
At-fault accident - greater than $2000	$1242	$211
In 65 MPH zone	$1327	$221
Open container	$1398	$238
Racing	$1575	$263
Driving with a suspended license	$1607	$273
Reckless driving	$1647	$274
Refusal to submit to a chemical test	$1673	$285
DUI	$1705	$284
Leaving scene of an accident/hit and run	$1725	$294

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in New Virginia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in New Virginia.

The cheapest car insurance premiums in New Virginia are offered by Western National at $196 for a six-month policy. However, it can be as expensive as $2555 with companies like Grinnell Mutual.

New Virginia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$196	$33
Grange	$255	$43
Travelers	$255	$43
West Bend Mutual	$255	$43
Progressive	$491	$83
State Farm	$569	$96
American Family	$934	$157
Allstate	$2006	$341
Auto-Owners	$2136	$356
Farm Bureau	$2229	$378
Nationwide	$2391	$398
Grinnell Mutual	$2555	$435

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in New Virginia are offered by Westfield at $144. However, it can be as expensive as $1673 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Virginia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$144	$24
West Bend Mutual	$169	$29
Western National	$196	$33
Iowa Farm Bureau	$216	$36
Travelers	$216	$36
Grange	$222	$37
State Farm	$373	$63
Progressive	$549	$92
American Family	$660	$111
Farm Bureau	$1249	$208
Grinnell Mutual	$1320	$224
Nationwide	$1516	$253
Auto-Owners	$1569	$266
Allstate	$1673	$278

Car Insurance Price Trends in New Virginia, Iowa

Car insurance rates in New Virginia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the New Virginia remained steady at $154 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the New Virginia remained steady at $32 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in New Virginia?

The car insurance in New Virginia is $19 per month, which is lower than the national average.

What is the cheapest car insurance in New Virginia?

The cheapest car insurance in New Virginia is $67 per month for full coverage.

How much is car insurance in New Virginia for teenagers?

Car insurance for teenagers costs $144 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in New Virginia?

The average cost of car insurance is $699 for a six-month policy. It will cost around $129 per month to insure your car in New Virginia.

Is car insurance expensive in New Virginia?

Car insurance can be expensive in New Virginia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in New Virginia can be affordable.

Cheapest Car Insurance Quotes in New Virginia

Why you can trust Way?

How Much Is Car Insurance in New Virginia

Avg. Car Insurance in New Virginia

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in New Virginia

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

New Virginia Car Insurance Rates by Company

Cheap Car Insurance Companies in New Virginia, IA

Way's key takeaways about car insurance in New Virginia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Virginia

Cheapest Liability Coverage in New Virginia, IA

Cheapest Full Coverage Car Insurance in New Virginia

Cheapest Full Coverage Car Insurance Quotes in New Virginia, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Virginia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in New Virginia, IA increasing?

Car Insurance Premiums by Age in New Virginia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Virginia,IA

If you are in your twenties N/A is the best choice for car insurance in New Virginia.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in New Virginia

Cheapest Car Insurance Companies after an At-Fault Accident in New Virginia

New Virginia Car Insurance Rates by Violation

New Virginia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Virginia after a DUI

New Virginia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Virginia after Speeding ticket

Car Insurance Price Trends in New Virginia, Iowa

Average Car Insurance Cost in New Virginia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Virginia, IA

Car Insurance Rates by State in the USA (2025 Update)

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