Table of contents
How much is car insurance in Falls Church?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Falls Church than it is in the rest of Virginia.
That being said, the expected monthly payments for an auto insurance policy in Falls Church are below the national average. It's about $17 cheaper than the national average to insure your vehicle in Falls Church.
These may be the average auto insurance rates for Falls Church, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Falls Church and broken down the different factors to help you understand what your policy's monthly premium will be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $41 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to increase again in Falls Church.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Falls Church is around $6 per month. As illustrated in the table above, male drivers in the area pay about $65 on average, while female drivers pay around $59 each month.
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. In Falls Church, having a single accident on your record will usually get you rates around $70 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $66.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$60|
As you can see in the first table above, the cheapest vehicles to insure in Falls Church are typically SUVs, which run about $58 per month.
Cars, trucks, and vans, however, all cost about the same for auto insurance coverage -- around $64 a month.
Your vehicle's 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, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Falls Church are vehicles four-to-five years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While married drivers normally pay less for auto insurance than single drivers, Falls Church bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Falls Church. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Falls Church, VA
Recent trends in car insurance for Falls Church drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Falls Church, the rates for car insurance rose from 2016-2017, before turning downward from 2018-2019. They finished down in 2021, at $53 per month.
How does Falls Church compare to neighboring areas?
Why are car insurance rates in Falls Church different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers in the region
- Road safety
- Regional regulations
- Regional crime rates
- Access to off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Falls Church?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Falls Church.
Falls Church Insurance FAQs
What factors affect car insurance quotes in Falls Church?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Falls Church different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, 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 Falls Church?
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 Falls Church?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. 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 Falls Church 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?