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How much is car insurance in Centreville?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in Centreville than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Centreville. You can expect to pay about $16 below the national average for auto insurance in Centreville.
While these are the average costs to insure your vehicle in Centreville, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've broken down average rates for Centreville to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates climb back up a bit in Centreville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price to insure your vehicle in Centreville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Centreville with one accident will pay around $94 a month. In addition, drivers with one ticket can expect to pay around $97 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$67|
In Centreville, the cheapest vehicles to insure are by and large SUVs and cars, with drivers paying around $64 per month for auto insurance.
Truck and van drivers will see rates of about $73 to insure their vehicle, while SUV owners typically pay around $64 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Centreville, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally, those who are currently married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Centreville can be as much as $16 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $16 a month more than if you own your own home in Centreville. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Centreville, VA
Recent trends in car insurance for Centreville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
In Centreville, the rates for car insurance had been increasing from 2016-2017, before leveling out in 2018. Policy premiums increased again, reaching a high of $77 in 2020, and finished down at $64 in 2021.
How does Centreville compare to neighboring areas?
Why are car insurance rates in Centreville different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- General road safety (how many accidents each locality has)
- Total amount of drivers in the community
- Regional crime rates
- Off-street parking availability
- Area regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Centreville?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Centreville.
Centreville Insurance FAQs
What factors affect car insurance quotes in Centreville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Centreville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Centreville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Centreville?
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 Centreville 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?