Average car insurance cost in Alexandria

The average car insurance rate in Alexandria for full coverage is $3,256 per year or $271 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Alexandria is $875 per year. The state minimum liability limits are 15/30/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,628
Average annual premium$3,256
State minimum premium$875

Cheapest car insurance companies in Alexandria

Southern Farm Bureau offers the cheapest rates on average at $2,517 per year. Geico is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Alexandria.

CompanyAverage 6 month rateAverage annual rate
Southern Farm Bureau$1,259$2,517
Geico$1,611$3,223
Farmers$1,686$3,373
Louisiana Farm Bureau$1,693$3,387
Safeway Insurance$1,884$3,768
Progressive$1,885$3,770
State Farm$2,048$4,096
USAA$1,002$2,004

Cheapest car insurance cost in Alexandria by age group

Car insurance rates in Alexandria vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Alexandria by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Southern Farm Bureau
  • Cheapest for young adults: Southern Farm Bureau
  • Cheapest for adults: Southern Farm Bureau
  • Cheapest for seniors: Southern Farm Bureau

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Southern Farm Bureau offers the cheapest car insurance for teens at $5,663 per year.

Southern Farm Bureau offers the most affordable auto insurance for young adults at $3,798 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Southern Farm Bureau provides the lowest car insurance rates at $2,654 per year for adult drivers in Alexandria.

Southern Farm Bureau offers the least expensive car insurance for senior drivers in Alexandria, at $2,817 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Southern Farm Bureau$5,663$3,798$2,654$2,817
Geico$10,922$4,950$3,178$3,138
Louisiana Farm Bureau$9,159$5,730$3,189$3,093
Farmers$11,486$6,091$3,360$2,864
Safeway Insurance$8,868$5,491$3,642$3,230
ProgressiveNA$5,779$3,705$3,720
State Farm$11,425$6,291$4,208$4,142
Allstate$14,518NANANA
USAA$5,116$2,900$2,031$2,085

Cheapest car insurance companies in Alexandria by driver profile

Car insurance rates in Alexandria vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Alexandria by driver profile.

Cheapest for a driver with poor credit: Southern Farm Bureau

Southern Farm Bureau is the most affordable car insurance for drivers with poor credit. On average, drivers in Alexandria pay about $4,549 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Alexandria.

CompanyAverage 6 month premiumAverage annual premium
Southern Farm Bureau$2,275$4,549
Geico$2,455$4,909
Progressive$3,300$6,599
Farmers$3,697$7,394
State Farm$9,838$19,676
USAA$1,736$3,472

Cheapest auto insurance after an at-fault accident: Southern Farm Bureau

In Alexandria, Southern Farm Bureau offers the cheapest car insurance for drivers with at-fault accident at $3,150 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Alexandria.

CompanyAverage 6 month premiumAverage annual premium
Southern Farm Bureau$1,575$3,150
Safeway Insurance$2,319$4,638
State Farm$2,341$4,682
Farmers$2,799$5,598
Progressive$3,220$6,440
Geico$3,326$6,651
USAA$1,512$3,024

Cheapest auto insurance after a DUI: Southern Farm Bureau

Southern Farm Bureau offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $3,203 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Alexandria.

CompanyAverage 6 month premiumAverage annual premium
Southern Farm Bureau$1,602$3,203
Progressive$2,125$4,250
State Farm$2,184$4,368
Safeway Insurance$2,479$4,958
Geico$3,578$7,155
Farmers$4,088$8,176
USAA$1,608$3,216

Cheapest for drivers with a speeding ticket: Southern Farm Bureau

Southern Farm Bureau offers the cheapest car insurance at $2,799 in Alexandria for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Southern Farm Bureau$1,400$2,799
Safeway Insurance$1,918$3,835
State Farm$2,184$4,368
Progressive$2,454$4,907
Farmers$2,855$5,709
Geico$3,133$6,266
USAA$1,285$2,570

Car insurance discounts for Alexandria drivers

The biggest car insurance discount available in Alexandria is for the years insured category at 58.15%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Alexandria, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Alexandria drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,2970.39%$13
Air BagsGeico$3,5987.60%$273
Anti-Theft DeviceAllstate$3,2971.24%$41
Anti-Theft DeviceAuto Club Enterprises (AAA)$5,2821.67%$88
Anti-Theft DeviceGeico$3,5980.62%$22
Anti-Theft DeviceState Farm$2,7961.30%$36
Daily CommuteLA Farm bureau$3,3274.30%$143
Days Advanced PurchaseAuto Club Enterprises (AAA)$5,2821.97%$104
EducationProgressive$3,2732.99%$98
Electronic Funds TransferAllstate$3,2971.82%$60
HomeownerAuto Club Enterprises (AAA)$5,2824.96%$262
HomeownerProgressive$3,2732.29%$75
Lower Annual MileageAuto Club Enterprises (AAA)$5,2824.39%$232
Lower Annual MileageGeico$3,5983.53%$127
Lower Annual MileageProgressive$3,2734.60%$151
Lower Annual MileageState Farm$2,7969.05%$253
Loyalty - Years Renewal With CompanyAllstate$3,2979.01%$297
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$5,2826.74%$356
Loyalty - Years Renewal With CompanyLA Farm bureau$3,3270.83%$28
Loyalty - Years Renewal With CompanySafeway Insurance$3,30214.54%$480
Loyalty - Years Renewal With CompanySouthern Farm Bureau$2,3623.08%$73
Loyalty - Years Renewal With CompanyState Farm$2,79613.67%$382
Marital StatusAllstate$3,29710.80%$356
Marital StatusProgressive$3,27315.41%$505
Marital StatusSafeway Insurance$3,30211.87%$392
Marital StatusSouthern Farm Bureau$2,3626.10%$144
Multi PolicyAllstate$3,2973.95%$130
Multi PolicyAuto Club Enterprises (AAA)$5,2826.60%$349
Multi PolicyGeico$3,5984.24%$152
Multi PolicyLA Farm bureau$3,32717.00%$565
Multi PolicyProgressive$3,2737.13%$233
Multi PolicySafeway Insurance$3,3024.12%$136
Multi PolicySouthern Farm Bureau$2,3628.45%$200
Multi PolicyState Farm$2,7969.73%$272
Paperless/Electornic DocumentsProgressive$3,2731.02%$33
Payment TypeSafeway Insurance$3,3024.12%$136
Primary UseAllstate$3,2971.79%$59
Primary UseAuto Club Enterprises (AAA)$5,2826.10%$322
Primary UseLA Farm bureau$3,3278.60%$286
Primary UseProgressive$3,2731.55%$51
Primary UseSouthern Farm Bureau$2,36214.13%$334
Primary UseState Farm$2,79610.73%$300
ProfessionGeico$3,5984.89%$176
ProfessionProgressive$3,27316.53%$541
Safety DevicesAllstate$3,2976.37%$210
Safety DevicesGeico$3,5981.20%$43
Safety DevicesProgressive$3,2733.93%$129
TelematicsProgressive$3,27310.02%$328
TelematicsState Farm$2,7966.73%$188
Years InsuredAllstate$4,22418.93%$800
Years InsuredAuto Club Enterprises (AAA)$12,46258.15%$7,247
Years InsuredGeico$4,7128.60%$405
Years InsuredProgressive$4,44515.95%$709
Years InsuredSafeway Insurance$3,78612.78%$484
Years InsuredSouthern Farm Bureau$3,24227.14%$880
Years LicensedAuto Club Enterprises (AAA)$16,28220.53%$3,343
Years LicensedGeico$8,18430.54%$2,499
Years LicensedProgressive$5,95422.71%$1,352
Years LicensedState Farm$3,39215.37%$521
Air BagsUSAA$1,7530.15%$3
Anti-Theft DeviceUSAA$1,7531.71%$30
Electronic Funds TransferUSAA$1,7533.02%$53
Lower Annual MileageUSAA$1,7534.81%$84
Marital StatusUSAA$1,7538.93%$157
Multi PolicyUSAA$1,7532.85%$50
Primary UseUSAA$1,75316.62%$291
Safety DevicesUSAA$1,7530.84%$15
Years InsuredUSAA$2,0298.09%$164
Years LicensedUSAA$2,96029.29%$867

How to get cheap car insurance in Alexandria in 2025

Find affordable car insurance in Alexandria by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Alexandria.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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