Cheapest Car Insurance Quotes in Woodbridge

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Woodbridge Car Insurance

^$ 31

/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 Woodbridge

The car insurance rate in Woodbridge is $845 for a six-month policy, which is $129 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Woodbridge 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 Woodbridge

$845

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Woodbridge

1st place: Virginia Farm Bureau

At $434 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 $532 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 $539 for six months, making it the third cheapest auto insurance company in Woodbridge.

Woodbridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodbridge, VA is Virginia Farm Bureau, offering policies at just $434 for a six-month term. This is followed by American Family, which has an average six-month premium of $532.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1815 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbridge drivers find the best deals.

Cheap Car Insurance Companies in Woodbridge, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$434	$74
American Family	$532	$89
Auto-Owners Insurance Co	$539	$92
Cincinnati	$546	$91
Travelers	$729	$123
Erie	$736	$124
USAA	$792	$133
Farm Bureau	$827	$139
Nationwide	$827	$139
Mercury	$918	$155
State Farm	$995	$168
Progressive	$1304	$219
Allstate	$1815	$306

Key Takeaways

Way's key takeaways about car insurance in Woodbridge

The auto insurance costs in Woodbridge fall around $434 for six months.
The cheapest auto insurance company in Woodbridge is Virginia Farm Bureau.
Teen drivers pay the highest rate in Woodbridge at $1040 per month.

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Cheapest Minimum Liability Car Insurance in Woodbridge

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 Woodbridge are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Woodbridge. Their Average 6 Month Premium is $182. Nationwide is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Woodbridge, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$182	$31
American Family	$203	$34
Cincinnati	$245	$41
Auto-Owners Insurance Co	$274	$46
Mercury	$281	$47
Travelers	$288	$48
USAA	$301	$51
Farm Bureau	$308	$52
Erie	$343	$58
State Farm	$434	$73
Progressive	$638	$107
Allstate	$763	$129
Nationwide	$813	$137

Cheapest Full Coverage Car Insurance in Woodbridge

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 Woodbridge is Virginia Farm Bureau at $74 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodbridge, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$434	$74
American Family	$532	$89
Auto-Owners Insurance Co	$539	$92
Cincinnati	$546	$91
Travelers	$729	$123
Erie	$736	$124
USAA	$792	$133
Farm Bureau	$827	$139
Nationwide	$827	$139
Mercury	$918	$155
State Farm	$995	$168
Progressive	$1304	$219
Allstate	$1815	$306

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Average Car Insurance in Woodbridge 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 Woodbridge, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Woodbridge, 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, Woodbridge's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Woodbridge

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	$774
30s	Virginia Farm Bureau	$583
40s	USAA	$544
50s	USAA	$511
60s	USAA	$538
70s	USAA	$852

Cheapest Car Insurance Rates for Teen Drivers in Woodbridge,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 Woodbridge at $31 per month. At $6175 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	$182	$31
Mercury	$245	$41
American Family	$267	$45
Auto-Owners Insurance Co	$315	$53
Travelers	$918	$155
Farm Bureau	$961	$162
Erie	$1318	$222
USAA	$1549	$261
State Farm	$2902	$489
Nationwide	$4458	$750
Allstate	$4479	$754
Progressive	$6175	$1040

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 Woodbridge.

As young drivers face the highest rates in Woodbridge, USAA offers the cheapest auto insurance rates at $774 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 Woodbridge, Mercury is the cheapest car insurance provider. At $260 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 Woodbridge is State Farm, offering rates of around $4830 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
Virginia Farm Bureau	$274	$46
Cincinnati	$448	$74
Travelers	$925	$156
Nationwide	$1276	$215
USAA	$1325	$225
Farm Bureau	$1514	$253
Erie	$2082	$354
Progressive	$2523	$420
Allstate	$2754	$468
State Farm	$4830	$805

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Car Insurance Rates with An Accident in Woodbridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in Woodbridge

The cheapest car insurance companies after an at-fault accident in Woodbridge include AutoOwners Insurance Co and Virginia Farm Bureau, offering $253 and $253, respectively. Encompass is an expensive provider with an average six-month premium of $568.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$42
Virginia Farm Bureau	$253	$42
American Family	$267	$45
Cincinnati	$322	$54
Mercury	$372	$61
Electric	$448	$77
Travelers	$532	$90
Farm Bureau	$658	$111
USAA	$743	$125
Erie	$870	$146
State Farm	$904	$152
Nationwide	$1857	$313
Progressive	$2103	$354
Allstate	$3883	$654
Encompass	$568	$97

Woodbridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodbridge VA. For example, the car insurance in Woodbridge after a DUI increases to $1107 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Woodbridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1108	$184
One Med/PIP claim	$1108	$189
Not-at-fault accident	$1149	$191
Two Med/PIP claims	$1185	$202
One comp claim	$1199	$199
Two comp claims	$1254	$214
Failure to show documents	$1261	$210
Driving without lights	$1283	$218
Child safety restraint	$1290	$215
Driving with expired registration	$1304	$222
Failure to wear a seat belt	$1318	$219
Cell phone violation	$1332	$227
Driving too slowly	$1332	$222
Failure to yield	$1332	$227
Speeding in school zone	$1332	$222
Texting while driving	$1332	$227
Wrong way/wrong lane	$1332	$222
Failure to stop at a red light	$1339	$228
Following too closely	$1339	$223
Illegal turn	$1339	$228
Improper passing	$1339	$223
Speeding 6 - 10 MPH over limit	$1339	$228
Speeding 16 - 20 MPH over limit	$1352	$225
Speeding 11 - 15 MPH over limit	$1359	$231
Passing school bus	$1402	$234
In 65 MPH zone	$1451	$247
Open container	$1471	$245
Speeding 21 - 25 MPH over limit	$1471	$250
At-fault accident - less than $1000	$1514	$253
Operating a vehicle without permission	$1626	$276
At-fault accident - $1000-$2000	$1647	$275
At-fault accident - greater than $2000	$1647	$280
Reckless driving	$2005	$334
Racing	$2152	$366
DUI	$2215	$369
Refusal to submit to a chemical test	$2215	$376
Driving with a suspended license	$2327	$388
Leaving scene of an accident/hit and run	$2327	$395

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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 Woodbridge 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 Woodbridge.

The cheapest car insurance premiums in Woodbridge are offered by Virginia Farm Bureau at $224 for a six-month policy. However, it can be as expensive as $2642 with companies like Allstate.

Woodbridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$224	$38
Mercury	$253	$42
American Family	$400	$66
Auto-Owners Insurance Co	$434	$74
Travelers	$666	$112
Farm Bureau	$687	$116
USAA	$1121	$189
State Farm	$1430	$241
Erie	$1683	$283
Progressive	$1802	$303
Nationwide	$2384	$401
Allstate	$2642	$445

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 Woodbridge are offered by Mercury at $260. However, it can be as expensive as $2902 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Woodbridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
Virginia Farm Bureau	$267	$45
American Family	$274	$46
Auto-Owners Insurance Co	$281	$47
Cincinnati	$281	$47
Travelers	$553	$93
Erie	$673	$113
State Farm	$841	$142
USAA	$911	$155
Farm Bureau	$982	$164
Nationwide	$1941	$330
Progressive	$2040	$340
Allstate	$2902	$493

Car Insurance Price Trends in Woodbridge, Virginia

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

The average cost of full coverage in the Woodbridge rose by $194 in January compared to $106 of December. In other words, there has been an increase by $88 when you compare January and December.

The average cost of liability insurance in the Woodbridge rose to $65 in January, compared to $54 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Woodbridge?

The car insurance in Woodbridge is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Woodbridge?

The cheapest car insurance in Woodbridge is $74 per month for full coverage.

How much is car insurance in Woodbridge for teenagers?

Car insurance for teenagers costs $182 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 Woodbridge?

The average cost of car insurance is $716 for a six-month policy. It will cost around $142 per month to insure your car in Woodbridge.

Is car insurance expensive in Woodbridge?

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

Cheapest Car Insurance Quotes in Woodbridge

Why you can trust Way?

How Much Is Car Insurance in Woodbridge

Avg. Car Insurance in Woodbridge

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Woodbridge

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Woodbridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodbridge, VA

Way's key takeaways about car insurance in Woodbridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodbridge

Cheapest Liability Coverage in Woodbridge, VA

Cheapest Full Coverage Car Insurance in Woodbridge

Cheapest Full Coverage Car Insurance Quotes in Woodbridge, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodbridge by Rating Factor

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

Car Insurance Premiums by Age in Woodbridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodbridge,VA

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

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 Woodbridge

Cheapest Car Insurance Companies after an At-Fault Accident in Woodbridge

Woodbridge Car Insurance Rates by Violation

Woodbridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodbridge after a DUI

Woodbridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodbridge after Speeding ticket

Car Insurance Price Trends in Woodbridge, Virginia

Average Car Insurance Cost in Woodbridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodbridge, VA

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

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