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How much is car insurance in Emporia?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Emporia is about $10 cheaper than it is in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Emporia has lower rates. You can expect to pay about $30 less for your policy in Emporia than in the rest of United States.
Bear in mind that while these rates represent the expected monthly payments for Emporia drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill 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.
Don't worry, we've done the work for you and broken down the average rates for Emporia to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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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's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $39 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Emporia drivers may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Emporia, however, male and female drivers both pay about the same rate for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Emporia with a single accident on their record is about $68 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $63.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$50|
The rates for all vehicle types in Emporia are rather similar, about $51 per month across the board.
Car owners will see a monthly premium of about $50, while SUV owners usually pay around $52 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Emporia, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Emporia can be as much as $6 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $6 less than homeowners in Emporia. But if you live with your parents, your rates will be significantly higher.
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 overall costs.
Car Insurance Companies in Emporia, VA
Recent trends in car insurance for Emporia drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of car insurance in Emporia had been increasing from 2017-2018, before steadying out in 2019. Rates finished up in 2022, at $56 per month
How does Emporia compare to neighboring areas?
Why are car insurance rates in Emporia different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Local regulations
- Road Safety (how many accidents each locality has)
- Rate of crime
- Amount of drivers in the area
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Emporia?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Emporia in no time.
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Emporia Insurance FAQs
What factors affect car insurance quotes in Emporia?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Emporia different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 Emporia?
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 Emporia?
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. 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 Emporia 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?
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