Table of contents
How much is car insurance in Arlington?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Arlington as it does in the rest of Virginia.
Likewise, car insurance rates in Arlington are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Arlington.
Bear in mind that while these rates represent the expected monthly payments for Arlington residents, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Arlington residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Arlington, where women pay around $7 less per month. As illustrated in the table above, female drivers in the area pay about $54 on average, while male drivers pay around $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Arlington, drivers with one accident on their record will experience rates around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$59|
In terms of affordable coverage, the cheapest vehicles to insure in Arlington are typically trucks and vans.
Car owners can expect to pay an average of around $60 a month for their policy, while SUVs are usually around $54 to insure each month.
For truck and van drivers, however, their monthly premium totals about $50.
Your rates can also vary depending on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Arlington, for example, are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
However, as you can see in the table above, married couples pay about the same rate as single drivers in Arlington.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Arlington. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Arlington, VA
Recent trends in car insurance for Arlington 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.
In Arlington, the rates for car insurance had been decreasing from 2016-2018, when they hit a low of $51. This shifted in 2019, when they began to rise again. They finished down in 2021, at $55 a month
How does Arlington compare to neighboring areas?
Why are car insurance rates in Arlington different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking access
- Total number of drivers in the region
- Local regulations
- Area crime rates
- Frequency of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Arlington?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of car insurance companies that offer auto coverage in Arlington.
Arlington Insurance FAQs
What factors affect car insurance quotes in Arlington?
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 driving record, credit score, marital status, and address.
Why is the cost of car insurance in Arlington different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Arlington?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Arlington?
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. 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 Arlington 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?