Newport News Insurance Rates:

Newport News, VA home insurance is approximately $621 to $841, about $51-$70/month. Our exhaustive research indicates shoppers can save as much as $292 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Newport News, Virginia Homeowners share reviews on which insurance providers you can trust. Compare & buy the cheapest quotes.

Newport News Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $970/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $455,000

5 Beds, 5 Bath 4370 sqft Rental Property Constructed In 1979 with Carpet Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2810/12 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $570,000

5 Beds, 5 Baths 4690 sqft Primary Residence Constructed In 1992 with Carpet Flooring, Composition Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $400/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 3250 sqft Rental Property Constructed In 2009 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 1830 sqft Seasonal Residence Constructed In 1998 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

41 Years old Single Male who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $910/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $280,000

3 Beds, 3 Baths 2180 sqft Vacation Property Constructed In 1987 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $370/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1160 sqft Seasonal Residence Constructed In 2002 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $590/7 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1453 sqft Primary Residence Constructed In 1970 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Newport News, VA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
23606 $267,400 $770
23602 $221,500 $750
23603 $221,000 $750
23608 $210,200 $750
23601 $197,900 $740
23605 $152,600 $720
23607 $136,900 $720

Newport News Rates & Quotes Analysis:

Newport News Area Estimated House Insurance
Polly Ct, Topsider Ct, Gunby Rd, Cameron Dr, Sea Pine Ln, Hardwick Rd, Garland Dr, Hughes Dr, Traverse Rd, Triton Ct$735
Lowry Pl, Dana Cir, Cherbourg Dr, 50th St, Mainsail Dr, Sandra Dr, Marina Ln, Patton Ave, Pendleton St, Lake Forest Dr$738
Wilson Ln, Sparrow Ct, Brookfield Dr, de Gaule St, Stony Ridge Ct, Radcliff Ln, Wilderness Way, State Rte 171, E Governor Dr, Sternberg Ave$None
Towne Square Dr, Miles Cary Rd, Westport Cres, Marcus Dr, Barney Ct, Spring Trace Ln, Owens Rd, Hudson Pl, Jacobs la, Milford Rd$771
Waverly Pl, Turlington Rd, Westover Rd, Morrison Ave, Commodore Dr E, Woodfin Rd, Loyal Ln, Belvedere Dr, Nantucket Pl, Nadine Pl$749
Cole Ln, Sheffield Way, May Ct, Monica Dr, State Rte 152, Westview Dr, Poindexter Pl, Ridgewood Pkwy, Brenda Rd, Industrial Park Dr$735
Henry Lee Rd, 14th St, Mistletoe Dr, Charles St, Tindall Ct, 13th St, Bernardine Dr, Meeting Rd, Lou-Mac Ct, Lighthouse Way$778
Center St, Belle Cir, Chandler Pl, Citation Dr, Pine Mill Ct, Spur Dr, Brighton Cir, Hancock Dr, Mandy Trl, Myles Ct$741
Wilmont Ln, 17th St, Finch Pl, Wreck Shoal Dr, Friedman Pl, Darrington Ct, Pennington Ave, Ashford Pl, Cedar Ave, 31st St$739
de Vol Dr, Drake Ct, Selkirk Dr, Wendwood Dr, Liberty Cir, S Cedar Ct, Gilford Ct, Lancaster Ln, Mac Neil Dr, Normill Lndg$740

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,850 Homes (18% of total) built between 1980 to 1989 in Newport News are paying home insurance between $1,090-$1,101 in contrast with Newport (+$47), Rushmere (+$12), Smithfield (+$32), Benns Church (-$86) and Bacons Castle (-$21).
  • Bedrooms: 12,167 4 bedrooms homes (16% of total homes ) in Newport News are paying about $745 and differs from Newport (+$32), Rushmere (+$8), Smithfield (+$22), Bacons Castle (-$14) and Hampton (-$3).
  • Auto Insurance Bundling: 11,053 Households (30% of all households) in Newport News have 3 or more vehicles available and when it is bundled with home insurance you can save $182 in contrast with Newport ($190), Rushmere ($184), Smithfield ($188).
  • Senior Discounts: 16,693 seniors (more than 55 years) occupied housing units (46% of total) in Newport News get discounts between $109 to $111. The comparative concessions in proximate regions such as Newport, Rushmere and Smithfield are $114, $110 and $112 respectively.
  • New Homes discounts: New homes such as the 25,449 homes built between 2000 to 2009 in Newport News can save $146 and similar new home insurance discounts in nearby towns and cities like Newport, Rushmere and Smithfield are $152, $147 and $150 respectively.

Newport News Homeowners insurance Facts

  • Newport News, VA has 35,748 owner occupied houses which is 51.5% of all units whereas Bethel Manor, Newport and Rushmere have 0.0%, 83.99% and 77.59% respectively.
  • Newport News, VA homeowners yearly insurance price at $731 is 0.36% of the typical house value of $205,800 which is in contrast with 0.25% in Newport, 0.32% at Rushmere & 0.28% in Smithfield.
  • Homeowners in Newport News, VA pay 3.25% of their income ($20,000 to $24,999) in insurance whereas homeowners in Bethel Manor, Newport and Rushmere pay 2.96%, 3.39% and 3.28% respectively.
  • Newport News, VA’s insurance is 4.0% of monthly housing costs of $1,507/month, for owners with a mortgage compared to 3.21% in Newport, 4.99% at Rushmere & 3.41% in Smithfield. But, for households without a mortgage, insurance is 12.3% of costs ($495 in Newport News, VA) in contrast with 12.83% in Newport, 15.91% at Rushmere & 13.51% in Smithfield.

Newport News, VA Home Values & Insurance rates

For example, insurance for 1,733 Homes (5.0% of total homes ) valued between Less than $50,000 in Newport News, VA is about $87. Rates in nearby areas in such as Newport, Rushmere, Smithfield are cheaper by $27, $14, $20 respectively while Benns Church and Bacons Castle are costlier by $787 and $20 respectively for similar homes.

Newport News, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,733 5.0% $87
$80,000 to $89,999 491 1.0% $299
$90,000 to $99,999 487 1.0% $336
$100,000 to $124,999 1,828 5.0% $387
$125,000 to $149,999 2,736 8.0% $482
$150,000 to $174,999 4,207 12.0% $570
$175,000 to $199,999 4,890 14.0% $665
$200,000 to $249,999 8,498 25.0% $796
$250,000 to $299,999 4,710 14.0% $972
$300,000 to $399,999 3,210 9.0% $1242

Renters Insurance in Newport News

  • Average Renters Insurance in Newport News :  $162($13/month)

  • Median Gross Rent in Newport News :  $960

  • Newport News Renters Insurance to Median Rent Ratio:  1.35%

  • Renter occupied housing units in Newport News :  33,719

Newport News Renters Insurance as a Percentage of Rent

Newport News Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,103 3.0% $340
$200 to $299 1,073 3.0% $790
$300 to $499 1,594 4.0% $1240
$500 to $749 4,265 12.0% $1915
$750 to $999 9,980 30.0% $2665
$1,000 to $1,499 11,251 34.0% $3790
$1,500 or more 3,560 10.0% $5440

Rent Affordability in Newport News:

Approximately 44.0% (14,839) of households are spending more than 35% of their income on gross rent in Newport News

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,930 8.0%
15.0 to 19.9 percent 4,293 12.0%
20.0 to 24.9 percent 4,375 12.0%
25.0 to 29.9 percent 4,063 12.0%
30.0 to 34.9 percent 3,219 9.0%
35.0 percent or more 14,839 44.0%

Newport News Renters Insurance Discounts:

Newport News Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Newport News, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 15,992 47.0% $16.2
2 vehicles available 8,916 26.0% $24.3
3 or more vehicles available 2,767 8.0% $32.4

Protective device discount in Newport News Up to :  $24

Claims-free discount in Newport News Up to :  $32