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How much is car insurance in Fairfax?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $11 a month more expensive to insure your vehicle in Fairfax than it is in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Fairfax has lower rates. You can expect to pay about $9 below the national average for auto insurance in Fairfax.
Bear in mind that while these rates are the average costs for Fairfax residents, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Fairfax to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $45 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Fairfax may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Fairfax, this difference shakes out to about $12 a month. Based on the chart above, you can see that female drivers pay around $64 on average, while male drivers typically pay $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Fairfax, a driving record with one accident will usually get you a rate around $85 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $82 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$80|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Fairfax are typically trucks and vans, which run about $53 per month.
SUV drivers will see rates of about $66, while the rates for car owners average out to about $74 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Fairfax, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Overall, those who are currently married will pay slightly less for car insurance. 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 Fairfax can be as much as $15 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||$79|
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 $16 a month more than if you own your own home in Fairfax. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Fairfax, VA
Recent trends in car insurance for Fairfax 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 Fairfax, the rates for auto insurance decreased from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $75 a month
How does Fairfax compare to neighboring areas?
Why are car insurance rates in Fairfax different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Number of drivers in the area
- Crime levels
- Community laws
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 Fairfax?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Fairfax.
Fairfax Insurance FAQs
What factors affect car insurance quotes in Fairfax?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fairfax different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fairfax?
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 Fairfax?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Fairfax or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.