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How much is car insurance in Annandale?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Annandale are about $7 a month more expensive than the rest of Virginia.
On the other hand, the expected monthly payments for an auto insurance policy in Annandale are below the national average. You can expect to pay about $13 less for your policy in Annandale than in the rest of U.S.
These rates may be the average amount drivers in Annandale pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down average rates for Annandale residents so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to increase again once you hit retirement in Annandale.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Annandale, however, men actually pay a little bit less than female drivers for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Annandale, a driving record with a single accident will usually get you a rate around $81 a month. Similarly, drivers with one ticket will typically pay around $102 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$70|
If you look at the first table above, the cheapest vehicles to insure in Annandale are typically trucks and vans, at $57 per month.
Car owners will see a monthly bill of about $70, while SUV owners by and large pay around $66 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Annandale, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Annandale reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Your housing situation is another factor that affects your monthly rate. In Annandale, homeowners can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Annandale, VA
Recent trends in car insurance for Annandale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Annandale, auto insurance rates rose from 2017-2018, when they reached a low of $59. This leveled out in 2019, when rates began to increase. They hit a high of $92 in 2021, and finished down in 2022, at $78 per month.
How does Annandale compare to neighboring areas?
Why are car insurance rates in Annandale different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. 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:
- Access to off-street parking
- Total number of drivers in the area
- Road Safety (how many accidents each locality has)
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Annandale?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Annandale.
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Annandale Insurance FAQs
What factors affect car insurance quotes in Annandale?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, 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, local laws, and crime rates 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Annandale?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Annandale or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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