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Cheap Car Insurance in Arlington, Virginia for July 2025

Travelers offers the cheapest liability coverage in Arlington, with an average rate of $1,033 per year according to NerdWallet's July 2025 analysis.

Cheap Car Insurance in Arlington, Virginia for July 2025
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Jul 3, 2025
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If you’re looking for cheap car insurance in Arlington, Virginia, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Arlington — or anywhere.

To find the cheapest companies in Arlington, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Arlington driving a 2025 Toyota Camry LE.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Arlington. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Read on to find out how auto insurance companies in Arlington stack up. You can also check out our list of the cheapest car insurance companies nationwide.


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Cheapest car insurance companies in Arlington

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Arlington, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyMedian annual rate
Virginia Farm Bureau$1,122
Travelers$1,169
GEICO$1,384
Utica National$1,698
Erie$1,785
Chubb$2,080
Progressive$2,189
Mercury$2,252
Cincinnati Insurance$2,322
USAA*$1,626

*USAA is only available to military, veterans and their families.

Average car insurance cost in Arlington and Virginia

Rates across Virginia differ from those in Arlington for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Virginia is $2,178, while in Arlington it's $2,289.

Median City RateMedian State Rate
$2,289$2,178

Average cost of car insurance in Arlington’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Arlington and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIPMedian Rate
22204$2,469
22201$2,244
22207$2,260
22202$2,412
22203$2,212
22206$2,351
22205$2,216
22209$2,180
22213$2,279
22214$2,416

Cheap car insurance in Arlington by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Arlington for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Arlington might pay, on average.

CompanyMedian annual rate
Utica National$1,828
Travelers$2,168
GEICO$2,460
Erie$3,793
Virginia Farm Bureau$4,188
Progressive$4,527
Cincinnati Insurance$4,641
Mercury$4,868
Chubb$4,885
USAA*$3,989

*USAA is only available to military, veterans and their families.

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Arlington, according to NerdWallet’s analysis.

CompanyMedian annual rate
Virginia Farm Bureau$1,122
Travelers$1,169
GEICO$1,384
Utica National$1,698
Erie$1,785
Chubb$2,080
Progressive$2,189
Mercury$2,252
Cincinnati Insurance$2,322
USAA*$1,626

*USAA is only available to military, veterans and their families.

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Arlington, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Virginia Farm Bureau$928
Travelers$957
GEICO$1,259
Utica National$1,315
Erie$1,528
Mercury$1,617
Progressive$1,810
Chubb$1,817
Cincinnati Insurance$1,973
USAA*$1,289

*USAA is only available to military, veterans and their families.

Arlington’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Arlington by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Arlington according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Virginia Farm Bureau$1,122
Travelers$1,169
GEICO$1,384
Utica National$1,698
Erie$1,785
Chubb$2,080
Progressive$2,189
Mercury$2,252
Cincinnati Insurance$2,322
USAA*$1,626

*USAA is only available to military, veterans and their families.

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Arlington according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Virginia Farm Bureau$1,366
Travelers$1,773
GEICO$2,462
Progressive$3,226
Erie$3,498
State Farm$3,832
National General$3,987
Utica National$4,222
Mercury$4,441
USAA*$3,130

*USAA is only available to military, veterans and their families.

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Arlington, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Virginia Farm Bureau$1,122
Travelers$1,661
GEICO$2,253
Utica National$2,269
Erie$2,708
Chubb$2,827
State Farm$3,249
Progressive$3,382
Cincinnati Insurance$3,651
USAA*$2,434

*USAA is only available to military, veterans and their families.

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2025 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.