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How much is car insurance in Ashburn?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Ashburn is about $6 cheaper than it is in the rest of Virginia.
Likewise, car insurance rates in Ashburn are more affordable than the national average. It's about $26 cheaper to insure your vehicle in Ashburn compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in Ashburn, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Ashburn and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Ashburn.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Ashburn, however, both pay the same monthly amount for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Ashburn with a single accident will pay around $61 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $58.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$54|
|15 Years or Older||$54|
In Ashburn, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $52 per month for auto insurance.
SUV drivers will see rates of about $56 to insure their vehicle, while car owners typically pay around $55 per month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally 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 drop back down. In Ashburn, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Ashburn follows that pattern, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
One other element taken into consideration is your housing status. Homeowners in Ashburn can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Ashburn, VA
Recent trends in car insurance for Ashburn drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Ashburn, the rates for auto insurance had been increasing from 2017-2018, when they hit a low of $48. This leveled out in 2019, when insurance rates started to rise. They reached a high of $62 in 2020, and finished up in 2022, at $61 a month.
How does Ashburn compare to neighboring areas?
Why are car insurance rates in Ashburn different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking access
- Road Safety (how many accidents each locality has)
- Regional regulations
- Regional crime rates
- Total number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ashburn?
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.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Ashburn.
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Ashburn Insurance FAQs
What factors affect car insurance quotes in Ashburn?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Ashburn different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Ashburn?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ashburn?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Ashburn 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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