Table of contents
How much is car insurance in Annandale?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Annandale will typically run you about $7 a month more than in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Annandale has lower rates. On average, it's about $14 less to insure your vehicle in Annandale than it is in the rest of the United States.
Keep in mind that these are the average auto insurance rates for Annandale, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Annandale residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $53 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates start to rise again once you hit retirement age in Annandale.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Annandale, although women do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Annandale, drivers with one accident on their record will experience rates around $83 a month. In addition, drivers with a single ticket on their record can expect to pay around $95 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$70|
As you can see in the first table above, the cheapest vehicles to insure in Annandale are by and large trucks and vans, which run about $51 per month.
Cars and SUVs, on the other hand, cost about the same to insure, around $68 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. The most expensive vehicles to insure in Annandale are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
More often than not, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Annandale, with married couples paying about $21 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Another factor taken into consideration is your living accommodations. In Annandale, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Annandale, VA
Recent trends in car insurance for Annandale drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Annandale increased from 2016-2017, before steadying out in 2018. Insurance rates had been increasing again recently, hitting a high of $96 in 2021.
How does Annandale compare to neighboring areas?
Why are car insurance rates in Annandale different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Regional crime rates
- Amount of off-street parking
- Road Safety (total number of local car accidents)
- Area laws
- Total number of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Annandale?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Annandale.
Annandale Insurance FAQs
What factors affect car insurance quotes in Annandale?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Annandale different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Annandale?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Annandale?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Annandale or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?