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How much is car insurance in Centreville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $4 a month more expensive to insure your vehicle in Centreville than it is in the rest of Virginia.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Centreville is rather affordable. You can expect to pay about $16 below the national average for auto insurance in Centreville.
Bear in mind that while these are the average car insurance rates for Centreville, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 Centreville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $33 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Centreville drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Centreville, the difference comes out to about $5 per month. Looking at the table above, you can see that female drivers pay around $62 on average, while male drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Centreville, having a single accident on your record will usually get you rates around $96 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $74 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$73|
If you look at the first table above, the cheapest vehicles to insure in Centreville are by and large SUVs, at $63 per month.
Car owners will see rates of about $65, while truck and van owners usually pay around $75 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Centreville are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Centreville is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your living situation. If you rent your home or apartment in Centreville, expect to pay around $17 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 average costs.
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 choosing where to shop.
Auto insurance rates in Centreville had been decreasing from 2017-2018, when they hit a low of $56, but started to rise from 2019-2020. They finished up in 2022, at $81.
How does Centreville compare to neighboring areas?
Why are car insurance rates in Centreville different from other areas?
Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Local laws
- Rate of crime
- Frequency of car accidents
- Total number of drivers
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of 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 Centreville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Centreville.
Find your best rate in just a few minutes
Centreville Insurance FAQs
What factors affect car insurance quotes in Centreville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Centreville?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Centreville 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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