Cheapest Car Insurance Quotes in New Kent

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New Kent Car Insurance

^$ 26

/mo

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 Kent

The car insurance rate in New Kent is $644 for a six-month policy, which is $6 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in New Kent 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 Kent

$644

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in New Kent

1st place: Virginia Farm Bureau

At $372 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $456 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $462 for six months, making it the third cheapest auto insurance company in New Kent.

New Kent Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Kent, VA is Virginia Farm Bureau, offering policies at just $372 for a six-month term. This is followed by American Family, which has an average six-month premium of $456.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Kent drivers find the best deals.

Cheap Car Insurance Companies in New Kent, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$372	$64
American Family	$456	$76
Auto-Owners Insurance Co	$462	$79
Cincinnati	$468	$78
Nationwide	$528	$89
Erie	$564	$95
Travelers	$606	$102
State Farm	$642	$107
USAA	$696	$117
Farm Bureau	$750	$125
Mercury	$786	$132
Progressive	$888	$148
Allstate	$1164	$198

Key Takeaways

Way's key takeaways about car insurance in New Kent

The auto insurance costs in New Kent fall around $372 for six months.
The cheapest auto insurance company in New Kent is Virginia Farm Bureau.
Teen drivers pay the highest rate in New Kent at $714 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in New Kent

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 Kent are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in New Kent. Their Average 6 Month Premium is $156. Nationwide is the most expensive at $504 for the same period.

Cheapest Liability Coverage in New Kent, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$156	$26
American Family	$174	$29
Cincinnati	$210	$35
Travelers	$228	$38
Auto-Owners Insurance Co	$234	$39
Mercury	$240	$40
Farm Bureau	$251	$42
USAA	$251	$42
Erie	$282	$47
State Farm	$306	$52
Progressive	$390	$65
Allstate	$504	$86
Nationwide	$504	$84

Cheapest Full Coverage Car Insurance in New Kent

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 Kent is Virginia Farm Bureau at $64 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Kent, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$372	$64
American Family	$456	$76
Auto-Owners Insurance Co	$462	$79
Cincinnati	$468	$78
Nationwide	$528	$89
Erie	$564	$95
Travelers	$606	$102
State Farm	$642	$107
USAA	$696	$117
Farm Bureau	$750	$125
Mercury	$786	$132
Progressive	$888	$148
Allstate	$1164	$198

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Average Car Insurance in New Kent 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 Kent, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in New Kent, Virginia, may be increasing due to several external factors. Virginia 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 Kent'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 Kent

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$657
30s	Virginia Farm Bureau	$495
40s	USAA	$462
50s	USAA	$433
60s	USAA	$456
70s	USAA	$723

Cheapest Car Insurance Rates for Teen Drivers in New Kent,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the New Kent at $26 per month. At $4283 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$156	$26
Farm Bureau	$198	$33
Mercury	$210	$35
American Family	$228	$38
Travelers	$234	$39
Auto-Owners Insurance Co	$270	$45
Erie	$906	$153
USAA	$1170	$197
State Farm	$2082	$350
Nationwide	$2634	$439
Allstate	$3059	$520
Progressive	$4283	$714

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in New Kent.

As young drivers face the highest rates in New Kent, USAA offers the cheapest auto insurance rates at $657 for six months.

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 Kent, Mercury is the cheapest car insurance provider. At $222 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 Kent is Nationwide, offering rates of around $426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Virginia Farm Bureau	$234	$39
Travelers	$360	$60
Cincinnati	$384	$66
Nationwide	$426	$71

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Car Insurance Rates with An Accident in New Kent

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 Kent, VA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in New Kent include AutoOwners Insurance Co and Virginia Farm Bureau, offering $216 and $216, respectively. Encompass is an expensive provider with an average six-month premium of $486.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$216	$36
Virginia Farm Bureau	$216	$36
American Family	$228	$38
Cincinnati	$276	$46
Farm Bureau	$282	$47
Travelers	$288	$48
Mercury	$318	$53
Electric	$384	$66
USAA	$540	$91
Erie	$600	$101
State Farm	$678	$114
Nationwide	$1146	$195
Progressive	$1524	$254
Allstate	$1967	$334
Encompass	$486	$83

New Kent Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Kent VA. For example, the car insurance in New Kent after a DUI increases to $948 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

New Kent auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$948	$158
One Med/PIP claim	$948	$162
Not-at-fault accident	$984	$164
Two Med/PIP claims	$1014	$173
One comp claim	$1026	$171
Two comp claims	$1074	$183
Failure to show documents	$1080	$180
Driving without lights	$1098	$187
Child safety restraint	$1104	$184
Driving with expired registration	$1116	$190
Failure to wear a seat belt	$1128	$188
Cell phone violation	$1140	$194
Driving too slowly	$1140	$190
Failure to yield	$1140	$194
Speeding in school zone	$1140	$190
Texting while driving	$1140	$194
Wrong way/wrong lane	$1140	$190
Failure to stop at a red light	$1146	$195
Following too closely	$1146	$191
Illegal turn	$1146	$195
Improper passing	$1146	$191
Speeding 6 - 10 MPH over limit	$1146	$195
Speeding 16 - 20 MPH over limit	$1157	$193
Speeding 11 - 15 MPH over limit	$1164	$198
Passing school bus	$1200	$200
In 65 MPH zone	$1242	$211
Open container	$1259	$210
Speeding 21 - 25 MPH over limit	$1259	$214
At-fault accident - less than $1000	$1296	$216
Operating a vehicle without permission	$1392	$236
At-fault accident - $1000-$2000	$1410	$235
At-fault accident - greater than $2000	$1410	$239
Reckless driving	$1716	$286
Racing	$1842	$313
DUI	$1896	$316
Refusal to submit to a chemical test	$1896	$322
Driving with a suspended license	$1992	$332
Leaving scene of an accident/hit and run	$1992	$338

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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 Kent 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 Kent.

The cheapest car insurance premiums in New Kent are offered by Virginia Farm Bureau at $192 for a six-month policy. However, it can be as expensive as $1650 with companies like Allstate.

New Kent car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$192	$32
Mercury	$216	$36
Farm Bureau	$246	$41
Travelers	$318	$54
American Family	$342	$57
Auto-Owners Insurance Co	$372	$64
State Farm	$726	$122
USAA	$816	$137
Progressive	$1248	$208
Erie	$1278	$217
Nationwide	$1404	$234
Allstate	$1650	$281

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 Kent are offered by Mercury at $222. However, it can be as expensive as $300 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in New Kent after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$222	$37
Virginia Farm Bureau	$228	$38
American Family	$234	$39
Auto-Owners Insurance Co	$240	$40
Cincinnati	$240	$40
Travelers	$258	$43
Erie	$282	$47
State Farm	$300	$51

Car Insurance Price Trends in New Kent, Virginia

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

The average cost of full coverage in the New Kent rose by $91 in December compared to $88 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the New Kent rose to $46 in December, compared to $44 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in New Kent?

The car insurance in New Kent is $26 per month, which is lower than the national average.

What is the cheapest car insurance in New Kent?

The cheapest car insurance in New Kent is $64 per month for full coverage.

How much is car insurance in New Kent for teenagers?

Car insurance for teenagers costs $156 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 Kent?

The average cost of car insurance is $638 for a six-month policy. It will cost around $108 per month to insure your car in New Kent.

Is car insurance expensive in New Kent?

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

Cheapest Car Insurance Quotes in New Kent

Why you can trust Way?

How Much Is Car Insurance in New Kent

Avg. Car Insurance in New Kent

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in New Kent

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

New Kent Car Insurance Rates by Company

Cheap Car Insurance Companies in New Kent, VA

Way's key takeaways about car insurance in New Kent

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Kent

Cheapest Liability Coverage in New Kent, VA

Cheapest Full Coverage Car Insurance in New Kent

Cheapest Full Coverage Car Insurance Quotes in New Kent, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Kent by Rating Factor

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

Car Insurance Premiums by Age in New Kent

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Kent,VA

If you are in your twenties USAA is the best choice for car insurance in New Kent.

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 Kent

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

New Kent Car Insurance Rates by Violation

New Kent auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Kent after a DUI

New Kent car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Kent after Speeding ticket

Car Insurance Price Trends in New Kent, Virginia

Average Car Insurance Cost in New Kent by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Kent, VA

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

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