Car insurance in Alexandria, Virginia [Rates + Comparison Guide]

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Amarillo StatisticsDetails
Population160,035
DensityHigh - 10,544 people per square mile
Average Cost of Car Insurance$2,697
Cheapest Insurance CompanyGeico
Road Conditions Poor - 30%
Mediocre - 25%
Fair - 17%
Good - 29%

Alexandria is a charming small city with big-city amenities as it sits on the outskirts of Washington D.C. If you’re new to the area, you’re probably trying to get settled in and figure out the ins and outs of living in this community.

There’s a lot to do besides unpacking boxes, and it can feel overwhelming. There’s one important aspect we can help you with, though, and that’s driving and insurance.

Maybe you’ve been in the area your whole life. One part of your life, if you own a car, has to be car insurance. Which one is best? How do you figure that out? This is where we’ll help you.

We’ll show you your options and examples of rates, and we’ll fill you in on the most important things you should know about driving in and around Alexandria.

The best way to get started finding the best car insurance for you is to do a rate comparison. If you enter your zip code right here, you’ll get several quotes to compare side-by-side.

Table of Contents

The Cost of Car Insurance in Alexandria

Everyone wants to get a good deal and no one wants to overpay. How do you avoid paying too much, though? How do you know what’s fair? We’ll show you some examples of rates to give you an idea of which company might be best for you.

These rates are just averages and your individual circumstances will dictate what your rates will be, but this is fantastic general knowledge for you to start with.

If you need more information about Virginia’s car insurance laws, check out our state guide.

– Male Vs Female Rates by Age

AgeAnnual Rate
Single 17-year-old female$5,111.64
Single 17-year-old male$6,138.01
Single 25-year-old female$1,969.07
Single 25-year-old male$2,062.46
Married 35-year-old female$1,632.69
Married 35-year-old male$1,590.06
Married 60-year-old female$1,532.84
Married 60-year-old male$1,537.91

The median age in Alexandria is 36.4 years. Median age means that there are an equal number of people older and an equal number of people younger.

The overall average that men pay for insurance is $2,697, while women pay $2,562, a difference of $135 dollars a year. But keep in mind that this is an average, and it has teenage drivers in the mix.

Once you get out of the teenage years, the price difference between genders is much closer and goes back and forth depending on the company.

We partnered with Quadrant Data Solutions to bring you car insurance quotes in your area. We’ll get started with a comparison of what males pay and what females pay according to their age. If you’re close to the median age of 36.4, your quote will likely be closest to our 35-year-old category.

GroupSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
Allstate$8,066.17$9,205.97$3,283.55$3,266.39$2,528.94$2,377.23$2,509.62$2,509.62
GEICO$3,272.20$4,365.55$1,719.77$1,685.68$1,475.60$1,461.81$1,400.81$1,400.81
Nationwide$4,049.78$5,203.53$1,819.20$1,973.94$1,642.19$1,647.54$1,455.03$1,490.04
Progressive$6,179.00$6,926.31$1,561.23$1,586.86$1,288.66$1,217.19$1,176.01$1,174.54
State Farm$5,087.21$6,370.47$1,811.31$2,090.65$1,596.03$1,596.03$1,458.47$1,458.47
USAA$4,015.49$4,756.20$1,619.33$1,771.21$1,264.73$1,240.55$1,197.07$1,193.97

As you can see, the teenage driver category has the highest rates, and the rates for males are significantly higher than for females. Once you’re out of that age bracket, the costs go back and forth between the genders depending on the age and company.

Alexandria VA Car insurance rates for males

There’s a huge drop between 17-year-olds and 25-year-olds. After that, the rates continue to drop as you age, but not to the degree they did in those younger years.

There is one exception in the statement that your rates drop as you age. Allstate charges a 60-year-old male about $130 more than a 35-year-old male.

Alexandria VA Car insurance rates for females

There’s quite a bit of argument as to whether gender should be considered in rates. Some states have outlawed the practice. Insurance companies say they should consider gender since they can prove certain groups of people are more likely to file a claim.

When there are clear statistics to back it up, like there are for teenage drivers, this line of reasoning the insurance companies give makes sense.

But for all the other age groups, the insurance companies go back and forth between who pays more, which makes you wonder if there is actually any clear difference in risk.

– Cheapest Zip Codes in Alexandria

Zip CodeAnnual Premium
22314$2,244.19
22301$2,254.46
22305$2,273.70
22331$2,283.31
22332$2,283.31
22302$2,301.20
22304$2,385.78

Between the least expensive and the most expensive zip codes in Alexandria, there’s a difference of just over $140 a year.

Alexandria VA Car insurance rates by Zip code

Just as there’s controversy over whether gender should be considered in rates, there’s controversy about zip codes being used for rates. Some argue that it unfairly targets minority populations. Insurance companies argue that the risk they take on is higher in some zip codes than others.

Wherever you stand on the debate, the fact is that your zip code does make a difference.

– What’s the best car insurance company in Alexandria?

You’ve seen the rates by age and gender, and that certainly will give you a good idea of which companies have the lowest rates for you, but now we’ll show you a few more factors. Depending on how you relate to these factors, you’ll see which companies cater best to your situation.

– Cheapest Car Insurance Rates by Company

Alexandria VA car insurance rates by company

Overall, here are how the companies’ rates line up. This is general, and you’ll want to look at the breakdowns with more specifics to help you make a better decision.

CompanyAverage Rate
Allstate$4,218.44
GEICO$2,097.78
Nationwide$2,410.16
Progressive$2,638.73
State Farm$2,683.58
USAA$2,132.32

Geico and USAA are neck-in-neck with the lowest costs, and Allstate is considerably higher. Don’t write Allstate off entirely, because they’re still a good company and offer a lot of perks included with their coverage. But if you’re strongly focused on price, it might not be the company for you.

– Best Car Insurance for Commute Rates

The national average for miles driven per licensed driver per year is 14,132. Virginia’s average miles per person driven is almost 100 miles lower than that at 14,038.

The more miles you drive in a year, the more miles you have a chance to get into a crash, so usually, insurance companies charge more for longer commutes. Let’s see how much difference your commute makes in Alexandria.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$4,085.14$4,351.74
Geico$2,059.12$2,136.44
Nationwide$2,410.16$2,410.16
Progressive$2,638.72$2,638.72
State Farm$2,616.01$2,751.15
USAA$2,053.42$2,211.22

Progressive and Nationwide don’t change the rates based on the length of commute. Geico and USAA are still the cheapest options, even with longer commutes.

Alexandria VA Car insurance rates by commute

– Best Car Insurance for Coverage Level Rates

It makes sense that you pay more for high coverage than for low coverage. Surprisingly, Nationwide does not follow that trend. They charge progressively less for each step up in coverage. In fact, high coverage costs over $200 less than low coverage.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$4,083.58$4,218.32$4,353.40
Geico$2,015.98$2,096.24$2,181.11
Nationwide$2,528.49$2,388.14$2,313.83
Progressive$2,519.82$2,609.86$2,786.50
State Farm$2,506.67$2,681.17$2,862.89
USAA$2,043.46$2,136.95$2,216.54

USAA and Geico have the lowest rates regardless of coverage level, in fact, their high level of coverage is still lower than anyone else’s low coverage.

Alexandria VA Car insurance rates by coverage level

You get a lot more protection with high coverage than low coverage and no company charges that much more for it, so it’s worth your consideration to raise your coverage level.

– Best Car Insurance for Credit History Rates

Here’s another controversial rate factor. Your credit history makes a big difference in your rates. Some states have banned this practice, but in Virginia, using credit rates to make rates is alive and well.

GroupGoodFairPoor
Allstate$3,405.13$4,127.44$5,122.74
Geico$1,981.31$1,981.31$2,330.71
Nationwide$2,085.81$2,295.06$2,849.60
Progressive$2,416.29$2,577.77$2,922.11
State Farm$1,866.73$2,365.02$3,818.99
USAA$1,606.42$1,944.48$2,846.06

Alexandria VA Car insurance rates by credit history

Geico and USAA continue to have the lowest rates. Interestingly, Geico doesn’t charge different rates for good and fair credit.

The companies that are hardest on those with poor credit are State Farm and Allstate. Here’s how much poor credit will cost you over what you’d pay with good credit:

– Best Car Insurance for Driving Record Rates

This is one dimension of your rate formulation that no one argues with. If you have a bad driving history, you’re more of a risk to the insurance company, so they’ll charge you higher rates.

GroupClean recordWith one speeding violationWith one accidentWith one DUI
Allstate$3,111.48$4,051.13$5,067.66$4,643.48
Geico$1,600.11$1,600.11$2,068.59$3,122.30
Nationwide$2,094.04$2,377.77$2,094.04$3,074.77
Progressive$2,236.04$2,615.35$3,012.61$2,690.90
State Farm$2,433.37$2,683.58$2,933.80$2,683.58
USAA$1,647.26$1,901.08$2,151.68$2,829.25

Geico is the winner if you have a speeding violation. They don’t even raise your rates.

Alexandria VA Car insurance rates by speeding

Geico, Nationwide, and USAA are in a dead heat for being the cheapest for being the best for those who’ve had an accident. Nationwide doesn’t raise your rates for an accident.

Alexandria VA Car insurance rates by accident

Progressive and State Farm are the best for you if you’ve had a DUI, according to these statistics.

Alexandria VA Car insurance rates by Accident

– Car Insurance Factors in Alexandria

The economy in the greater Washington D.C. area contributes to what people pay for car insurance. If people are making more money and their car insurance rates stay the same, a lesser percentage of their income will go toward insurance, which is a win for them.

– Growth and Prosperity

Growth and prosperity are doing very well in Alexandria, according to the 2019 Brookings Metro Monitor Report.

Prosperity:

  • Productivity: +1.5 percent (29th out of 100)
  • Standard of living: +1.7 percent (46th out of 100)
  • Average annual wage: +1.0 percent (49th out of 100)

Growth:

  • Jobs: +1.2 percent (56th out of 100)
  • Gross metropolitan product (GMP): +2.7 percent (40 out of 100)
  • Jobs at young firms: +0.6 percent (78 out of 100)

Alexandria and the surrounding area have been staying above the U.S. average for growth and prosperity.

– Median Household Income

The median household income is $93,370 and the average cost of car insurance is $2,697.00 a year, which means that the average percentage of the median income going to car insurance is 2.89 percent. That’s not too bad. And if you are able to find coverage for less, your percentage will also be lower.

CalculatorPro

– Homeownership in Alexandria

Just over 43 percent of housing units are occupied by owners, which is considerably lower than the national average of just under 64 percent.

The total percentage of owner-occupied housing units in the greater D.C. area is 63.4 percent, so Alexandria is on the low side even compared to surrounding communities. More people are renting in Alexandria than own their own homes.

Part of that could be that the median property value is so high, at $537,900. It’s likely that more people rent because the cost of owning is so high.

– Education in Alexandria

There are no large universities in Alexandria, but their three biggest colleges are as follows:

The vast majority of students at these colleges are female. The numbers are 297 females to 36 males.

In the region, outside of Alexandria city limits, there are several Universities. Here are the colleges and universities with over 2000 students within eight miles of Alexandria:

  • Strayer University-Virginia
  • George Washington University
  • Georgetown University
  • Strayer University-Global Region
  • Medtech Institute
  • Marymount University
  • Howard University

College students are typically in their late teens and early twenties. Their rates for car insurance are on the high side, but there are ways to save. Many companies offer a good student discount for students who receive good grades. Often, you can save by taking a driver’s ed course, as well.

– Wage by Race and Ethnicity in Common Jobs

Alexandria Wages by Race

The ethnicities making the highest average annual income are as follows:

  • Asian – $68,169 ± $3,324
  • White – $60,529 ± $977
  • Native Hawaiian and Other Pacific Islander – $56,661 ± $29,375

We have listed in the table below, some of the most common jobs in Alexandria and how much each race makes on average. Based on an average car insurance rate of $2,697, we also calculated what percentage of income would go to pay car insurance premiums each year.

EthnicityMiscellaneous Managers SalaryPremium as Percentage of IncomeElementary & Middle School TeachersPremium as Percentage of IncomeRetail SalespersonsPremium as Percentage of Income
Asian$110,0902.45%$41,8656.44%$19,38813.91%
White$113,1262.38%$46,7225.77%$31,0668.68%
Native Hawaiian or Other Pacific Islander$96,3422.8%N/AN/AN/AN/A
Two or More Races$107,5662.51%$42,5106.34%$22,67011.9%
Black$79,7513.38%$42,8916.29%$21,63412.47%
American Indian$74,3803.63%$21,32912.64%$49,5265.45%
Other$76,9843.5%$49,3325.47%$17,46315.44%

– Wage by Gender in Common Jobs

Alexandria Wage by Gender

As is the case in most places across the U.S., men make more money than women. In Alexandria, on average, men make $19,000 more annually than their female counterparts. When you consider that, it’s not surprising that more women are living in poverty than men, as you’ll see next.

– Poverty by Age and Gender

The largest demographic of people living in poverty are females between the ages of 25 and 34. There are far more women than men living in poverty in Alexandria.

When compared to the national average of those living in poverty, 13.4 percent, Alexandria is doing quite a bit better, at 10.5 percent.

Alexandria Poverty by age and gender

The average salary for a male is $74,183, while females earn about $55,180, which is about $19,000 less than males.

That means that while men pay 3.64 percent of their annual income to car insurance premiums, women pay 4.89 percent.

– Poverty by Race and Ethnicity

Alexandria poverty by race

Breaking down poverty by race and ethnicity gives us these top three groups by the number of people living in poverty:

  • Black – 6,557 ± 691
  • White – 6,481 ± 628
  • Hispanic – 4,820 ± 605

Those living below the federal poverty level will have a harder time affording car insurance. When money is tight and every penny must be accounted for, the minimum levels of car insurance are usually the cheapest.

If you have an older car and it’s not worth very much money, you probably won’t need to spend the money on comprehensive and collision insurance. Just stick to liability.

– Employment by Occupations

Alexandria employment by occupation

The most common occupations by the numbers in Alexandria are as follows:

  • Management Occupations – 15,578 people
  • Business & Financial Operations Occupations – 9,045 people
  • Office & Administrative Support Occupations – 8,684 people

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Driving in Alexandria

According to Allstate’s Best Driver Awards, drivers in Alexandria are pretty bad. In fact, they scored 192nd out of 200. With so many bad drivers around, what do you need to know to make your experience on the road as safe and calamity-free as possible? We’ll cover that next.

– Major Highways

Alexandria VA highways

There are a few major highways that pass through Alexandria, and those include the following:

  • US Route 1
  • I-395
  • Capital Beltway (I-495)

The city is addressing their poor driver situation with an initiative called Vision Zero. They have lowered the speed limit on part of Route 1 from 25 to 35 mph.

Over 560 miles of road that the city is responsible to take care of.

Many surrounding counties have all their road upkeep done by the state-run VDOT, but since Alexandria is a city, they keep up their own city streets.

None of the highways going through the heart of Alexandria have tolls, but coming fall 2019, I-395 through Alexandria will offer an express lane. This lane may be used by vehicles carrying three or more people for free and drivers with fewer passengers can pay a toll to use the lane.

Here are some of the surrounding roadways do.

  • South of Alexandria – I-95 Express lane toll
  • West of Alexandria – I-495 Express lane toll
  • North of Alexandria – 66 Express lane toll

These express lane tolls operate the same way as the I-395 toll explained above.

And further away, west of D.C. there is the Dulles Toll Road and the Dulles Greenway. If you travel the toll roads frequently, or even just sporadically, an E-ZPass will make the toll process faster and easier.

If you have the E-ZPass Flex transponder and you have the required number of passengers to ride in the express, or HOV, lane, make sure to switch your pass to “HOV on” so that you are not automatically charged a toll for driving in the express lane.

E-ZPass is a pre-pay system. The easiest way to make sure you always have enough funds on your account to pay your tolls (if you don’t, you’ll be in trouble) is to set up an automatic replenishment.

With automatic replenishment set up, when your balance gets to a certain point, it will automatically take money from your chosen account and put it into your E-ZPass account.

– Popular Road Trips and Sites

Virginia is a beautiful state and there is so much to do and see in the D.C. area. One of the best drives in the country is right out your back door. The Blue Ridge Parkway. The drive is beautiful every time of year, but you don’t want to miss it in the fall.

Here’s a list of more can’t miss road trips and sites:

  • Shenandoah National Park
  • Colonial Parkway
  • Old Town Alexandria
  •  Appalachian Trail
  • Monticello
  • Mount Vernon
  • Gadsby’s Tavern Museum
  • Stabler-Leadbeater Apothecary Museum
  • The Carlyle House
  • Old Town Farmer’s Market

This list is only the beginning. When you live in a place with so much history and culture, there’s something new to do every week.

And there are a plethora of attractions in Washington D.C.

– Roads in Alexandria

If it weren’t for roads, we wouldn’t have cars, and if it weren’t for cars, we wouldn’t have car insurance. There’s a lot going on with Alexandria roads and we’re here to help you navigate trouble spots and make your experience driving as smooth as possible.

– Road Conditions

Poor ShareMediocre ShareFair ShareGood ShareVehicle Operating Costs
30%25%17%29%$562

According to Tripnet, there are more miles of poor roadway conditions than good conditions.

Thanks to rain and snow, potholes are formed. You can help the city by reporting potholes.

– Red-Light Cameras

Since reaching a peak in 2012, the use of red-light cameras has declined sharply. The public almost universally hates them.

Cities tend to love them. Typically, a city contracts with a company that provides the cameras and does most of the work and keeps most of the profits, and then the city makes the agreed-upon percentage of revenue for very little effort.

The city of Alexandria argues strongly that red-light cameras improve safety, and that is their primary motive for using them, not revenue.

There are a total of six red-light cameras at these four intersections:

  • Duke Street and West Taylor Run Parkway
  • South Patrick Street and Gibbon Street (both directions of travel)
  • Duke Street and South Walker Street (both directions of travel)
  • South Patrick Street and Franklin Street

The penalty for being caught by a red-light camera is a maximum of a $50 civil penalty. That means it won’t be reported to insurance or the DMV.

– Vehicles in Alexandria

The kind of car you have makes a difference in your car insurance rates. Besides making a difference in your car insurance premiums, your vehicle(s) will cost you varying amounts depending on the fuel efficiency and maintenance.

– Most Popular Vehicles Owned

According to Your Mechanic, the most popular vehicle in the D.C. area is the Toyota Highlander.

The National Highway Traffic Safety Administration (NHTSA) has awarded the Highlander their maximum five-star safety rating.

Toyota highlander gets 21 mpg city, 27 mpg highway, and 23 mpg combined. It’s about in the middle for efficiency. There are a lot of vehicles that do better, but there are some that do worse.

If you love the Highlander but want better efficiency, there’s good news. The Highlander hybrid boasts 29 mpg combined.

– How many cars per household?

Alexandria cars per household

Forty-two and a half percent of households have just one car followed closely by 40.9 percent of households with two cars. Nationally, 21 percent of households have one car.

– Households Without a Car

Just under six percent of households in Alexandria have no car.

– Speed Traps in Alexandria

Reducing the speed limit for the purpose of catching people driving too fast is illegal. If the speed limit is lowered, it’s because the city and/or state has agreed that it needed to be for safety.

There are some areas where people are more prone to speed, and there are also areas that have a high incidence of crashes. When you’re driving through those places, you’ll need to be extra careful and vigilant. If you’re following the posted speed limit, you won’t get a speeding ticket.

  • Potomac Avenue behind Potomac Yard Shopping Center – Speed limit posted is 25 mph
  • S. Columbus/Gibbon Street – No right turns between 3:00 pm and 7:00 pm
  • Duke Street in front of Whole Foods – Watch speed
  • Duke and West – No left turns between 7:00 am and 9:00 am

– Vehicle Theft in Alexandria

Type of Crime (chance of being a victim)AlexandriaVirginiaUS Median
Violent crime1 in 6041 in 4801 in 250
Property crime1 in 641 in 561 in 42

In 2017, 273 vehicles were stolen in Alexandria. The rate of vehicles stolen per 1,000 people is considerably lower than the national average. In Alexandria, 1.71 cars were stolen per 1,000 residents compared to 2.37 per 1,000 residents nationally.

Alexandria’s crime index was 40 out of 100. That means it’s safer than 40 percent of US cities. It’s not a stellar score; it’s on the low end of average.

There were 2,748 crimes committed in 2017, which puts the overall crime rate is 17.17 per 1,000 residents. In other words, 17 out of every 1,000 people will be a victim of a crime.

– Traffic

No one enjoys traffic, but when you live in an urban area, it’s part of life. Compared to other cities in North America, Washington D.C. ranks number 11, according to TomTom. Some studies have put Washington D.C. traffic at the number one worst spot in the country.

Since Alexandria is part of the D.C. metro area, we’ll look at the data from D.C.

  • Congestions Level – 28 percent
    • Highways – 25 percent
    • Non-highways – 29 percent
  • Extra Travel Time
    • Morning Peak – 46 percent (14 minutes added to a 30-minute trip)
    • Evening Peak – 60 percent (18 minutes added to a 30-minute trip)

– Transportation

Alexandria Commuter Transportation

With traffic being so horrible around Alexandria, it’s no surprise that the average commute time is quite a bit higher than the national average. While 58.2 percent of people drive alone to work, almost 22 percent use public transit. Another 8.35 percent carpool.

Alexandria Commute Times

– Busiest Highways

There are some major roadways with a lot of lanes. Two of the urban highways with the most lanes in America are in the D.C. area.

  • I-395 has 12 lanes
  • I-270 has 13 lanes

The number of miles traveled on D.C. area roadways each day is staggering.

  • 46,139,000 freeway miles
  • 43,718,000 arterial street miles

– How safe are Alexandria streets and roads?

Alexandria is an independent city and in Virginia, that means it’s not part of a county. The counties that surround this city are Fairfax County and Arlington County.

Alexandria Metro CountiesFatal Crashes 2017Fatalities involving an alcohol-impaired driverFatalities in single-vehicle crashes 2017Fatalities involving speeding 2017Fatalities involving roadway departure 2017Fatalities involving an intersection 2017Passenger car occupant fatalities 2017Pedestrian fatalities 2017Pedalcyclist fatalities 2017
Alexandria City413212120
Fairfax341119141961790
Arlington714023020

In the state of Virginia, there were 839 roadway fatalities in 2017.

Roadway TypeNumber of Fatalities
Rural Insterstate42
Urban Interstate59
Freeway and Expressway17
Other Principle Arterial191
Minor Arterial205
Collector Arterial183
Local75
Unknown11
Total Fatal Crashes783

– Allstate America’s Best Drivers Report

2018 Best
Drivers Report
Ranking
192
Average Years between Claims6.22
Relative Claim Likelihood (Compared to National Average)+69.9%
DriveWise Hard Braking Events per 1,000 miles.27.48

Alexandria drivers don’t rank very high compared to other cities, according to Allstate’s Best Drivers Report. The national average time between claims is 10.57 years, and drivers in Alexandria have an average of 6.2 years between claims.

– Ridesharing

You’d expect that in a bustling metropolitan area, every option for ridesharing services would be available, and you would be right in Alexandria. These are your rideshare options in Alexandria:

  • Taxi
  • Free Now
  • Curb
  • Lyft
  • Lyft Premier
  • Lyft Lux
  • Uber X
  • Uber Taxi
  • Uber Black
  • Carmel

– E-star Repair Shops

E-star is a list of preferred repair shops that Esurance has put together. You don’t have to be a customer of Esurance to use this list to find reputable repair shops. There are several in the area:

NAME OF ESTAR REPAIR SHOPADDRESSCONTACT INFORMATION
CARSTAR RS COLLISION OF ALEXANDRIA620 S. PICKETT ST.
ALEXANDRIA VA 22304
email: rscollision2@aol.com
P: (703) 746-9212
ROSSLYN AUTO BODY CO.6015 Farrington Avenue
ALEXANDRIA VA 22304
email: kburton@burtoncollision.com
P: (703) 820-1800
AYT TOMMY'S AUTO BODY5700 KIRBY RD
CLINTON MD 20735
email: aytautobody@aol.com
P: (301) 449-5277
SPRINGFIELD AUTO BODY, INC.8102 ALBAN RD.
SPRINGFIELD VA 22150
email: tom@springfieldautobody.com
P: (703) 569-5055
GERBER - COLLEGE PARK5106 BRANCHVILLE RD
COLLEGE PARK MD 20740
email: collegeparkmd@gerbercollision.com
P: (301) 474-4844

– Weather

Weather FactsDetails
Annual High Temperature64.8°F
Annual Low Temperature46.°F
Average Temperature55.7°F
Average Annual Precipitation Rainfall40.78 inches

The climate in the Alexandria area is fairly mild. You can expect a few snowstorms, but high accumulations aren’t common.

The Washington D.C. area has a lower risk of natural disasters than the national average. Earthquakes and tornadoes are unlikely. Remnants of hurricanes can bring severe storms, but Alexandria is too far north to get a direct hit like states further south.

– Public Transit

Alexandria and the D.C. area have public transit going for them. The rates for the Metrorail lines vary depending on which station you start and end at. Regular Metrobus fare is $2.00 and Metrobus Express fare is $4.00.

There are a number of passes available. If you commute daily using the Metro, a monthly pass is probably your best option. For someone that intends to do a lot of traveling on public transportation for a short period of time, there are several pass options that are helpful:

  • Monthly Pass – Rate depends on the commute
  • 1-Day Unlimited Pass – $13
  • 3-Day Unlimited Pass – $28
  • 7-Day Unlimited Pass – $58
  • 7-Day Short Trip Unlimited Pass – $38 (covers Metrorail fares up to $3.85)

Keep in mind that although these are “unlimited” passes, they only cover the first two dollars of Metrobus Express and Airport Route fares. Also, these passes do not include the following transportation services:

  • ART
  • DC Circulator
  • CUE
  • DASH
  • Fairfax Connector
  • The Bus
  • Ride On

– Alternate Transporation

One mode of transportation that’s been growing in recent years is shared bike and scooter rentals. In D.C., these are your options for scooter rental:

  • Bird – $1 to unlock and a preset cost per minute to ride
  • Jump – Free to unlock and 15 cents per minute to ride
  • Lime – $1 to unlock and 15 cents per minute to ride
  • Lyft – $1 to unlock and 24 cents per minute to ride

Jump offers dockless scooters and bikes. In fact, Jump is the only company to have bikes in D.C.

In D.C.’s pilot program, dockless bikes and scooters were available for rent, but Lime is pulling out the bikes due to D.C.’s new locking requirement. Lime is keeping the scooters on the streets, though.

One is six D.C. residents have rented a scooter. They’re very popular. And Washington D.C. is experiencing the growing pains that come with anything new and popular on the streets. They’re figuring out what restrictions work and what limitations make sense.

But until everything gets figured out, a lot of people are annoyed with the traffic hazards some riders present and the congested sideways.

Like D.C., Alexandria has started a pilot program and has approved the following dockless companies:

  • Lime
  • Lyft
  • Jump
  • Bolt
  • Bird
  • Skip
  • Spin

– Parking in Metro Areas

The Old Town area of Alexandria is littered with parking garages. Many garages in Old Town offer great evening and weekend rates as low as five dollars.

There is metered parking in Old Town and Carlyle. Some meters can be paid by app only while others have a credit card or coin option. ParkMobile operates the meters and you’ll need the app if you park in an app-only payment area.

Parking time on metered streets is limited to two or three hours depending on the section. After 9:00 pm, on Sundays, and on state holidays, parking is free. Multi-space meters cost $1.75 per hour to park, and single-space meters cost $1.25 per hour.

If you have an electric vehicle, Alexandria is a friendly city! They have several popular charging stations:

  • Giant Foods
  • Walgreens – Alexandria, VA #10233
  • Beacon Hill Apartments
  • Passport Nissan – Alexandria
  • Comfort Inn and Suites

In all, there are 768 charging stations and 45 percent of them are free.

– Air Quality in Alexandria

The entire Northeast Corridor is packed with people. And with all those people come millions of cars. And those cars contribute to air quality. Cars are much greener than they used to be as emissions limits have been placed and enforced.

YearDays with Air Quality IndexGood DaysModerate DaysUnhealthy Days for Sensitive GroupsUnhealthy Days
2016366176174160
201736514721080
201836519416191

Alexandria has about as many good air quality days as moderate ones. They do not have many unhealthy air quality days, which is good news, especially to at-risk groups.

Military and Veterans

You may be wondering if there are any special programs for car insurance in the Alexandria area for military and veterans. We’ll show you what’s available.

The good news is, there’s a lot of car insurance companies that offer military discounts and one company specializes and only offers services to military and related individuals.

In Alexandria, there are estimated to be over 9,000 veterans.

  1. Gulf War (2001-) – 4,950 ± 465
  2. Vietnam – 2,158 ± 256
  3. Gulf War (1990s) – 1,864 ± 285

Alexandria Veterans by War

Virginia has a whopping 27 military bases. Fort Belvoir Army Base is located in neighboring Fairfax County. Washington D.C. has several military bases. Basically, the area is loaded with bases.

Here are some of the bases nearest Alexandria:

  • Anacostia-Boiling
  • Fort Belvoir
  • Andrews
  • Henderson Hall
  • Fort Myer
  • The Washington, DC Area Military

As promised, here is a list of provides who offer military discounts:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual
  • MetLife
  • SafeCo
  • State Farm
  • USAA

USAA is the car insurance company that works exclusively with clients who are in the military, were in the military, and their families. In most places, USAA is one of the cheapest, if not the cheapest car insurance company.

As you can see, in the state of Virginia, their rates are lower than everyone else’s. If you’re eligible to become one of their customers, you should at least check them out and consider their coverage.

Alexandria VA Car USAA vs the competition

CompanyAnnual RatePercentage Higher than USAA
USAA$1,858.380%
GEICO$2,061.5311%
Nationwide$2,073.0012%
State Farm$2,268.9522%
Virginia State Average$2,357.8727%
Progressive$2,498.5834%
Allstate$3386.882%

Unique City Laws

There are some driving laws that are universal, like following the posted speed limit. But what about unique laws that you might not know about but you should? We’ll highlight the ones you need to know in this next section.

– Recent Changes to the Law

There have been some recent changes to the law that you need to know about:

  • Previously, if you didn’t pay court fines, your license would be suspended, but not anymore. This restoration of driving privileges helped 627,000 residents of Virginia get their licenses reinstated.
  • Violators of the “move over” law will now face stiffer punishment. Previously, a first offense was a traffic infraction, now it’s a Class 1 misdemeanor.
  • Children under the age of two must be secured in rear-facing car seats while riding in a vehicle unless they meet the weight standards to face forward.
  • Vehicle safety inspections will now cost more. The maximum charge was $16 per vehicle, now it’s $20. The Virginia State Police used to receive 50 cents from each inspection, now they’ll receive 70 cents.
  • Handheld communication devices are prohibited when traveling through a highway work zone. The fine for a violation is $250.

– Food Truck Laws

Food trucks have to obtain a permit and they are allowed to operate on certain streets and on private property where permission has been granted. They may operate Monday through Friday from 7:00 am until 8:00 pm for up to four continuous hours at a time.

– Parking Laws

These next laws about parking are some that you need to know about. Parking for residents in certain areas, especially those in Old Town and those near Metro stations, was getting difficult to find.

So, way back in 1979, the city came up with a plan to help the residents’ situation. Residential parking permits allow permit holders to park in their home district all day long. However, those without residential permits are only allowed to park for two or three hours (depending on the location and time of day).

In District 12, in order to eliminate out-of-city commuters from taking all the parking spots, only vehicles registered in the City of Alexandria and Vehicles displaying a Guest or Visitor permit for District 12 can park.

Keep this on in mind. No vehicles can be parked in the same spot on the street for more than 72 hours. If you’re taking a long staycation, don’t forget to get in your car and move it.

Alexandria Car Insurance FAQs

We’ve covered a lot of material, but maybe you still have some questions. We’ll cover some of the top questions next.

– Is car insurance required by law in Alexandria?

Surprisingly, no. That doesn’t mean it’s a good idea to go without, though. if you choose not to insure your vehicle, you must pay an Uninsured Motor Vehicle Fee of $500 per year. With the receipt of that payment, you may register an uninsured vehicle.

Please keep in mind, though, that liability laws are in place and should you cause an accident, you must be financially responsible. Are you prepared to pay out of pocket to repair your car and the other party’s property damage and bodily injuries? If not, you need insurance.

– How do I obtain an accident report?

The Alexandria Police Department website has a form you must fill out to request a report.

– Where are the Metro stations?

Alexandria map of metro stations

– What is the minimum car insurance I have to have?

Many companies don’t give the option to purchase the minim requirements because, in the real world, they’re way too low to offer adequate protection. By law, though, these are the minimum requirements.

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

– If I’m new to the state, how much time do I have to get a Virginia driver’s license?

Within 60 days of moving to Virginia.

– Where’s the nearest airport?

  • Ronald Reagan National Airport (DCA) is 10 minutes away
  • Washington Dulles Internation Airport (IAD) is 40 minutes away
  • Baltimore-Washington International Airport (BWI) is 50 minutes away

– What’s the speed limit on city streets?

Twenty-five miles per hour.

Now you can confidently collect quotes and find the car insurance company that’s best for your situation. Enter your zip code right here to get started. Enter your information once and you’ll receive several quotes to compare.

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