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How much is car insurance in Fredericksburg?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Virginia are about $4 a month cheaper than the rates drivers pay in Fredericksburg.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Fredericksburg is rather affordable. The average monthly payment in Fredericksburg is about $16 less than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Fredericksburg, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Fredericksburg so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP 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|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Fredericksburg.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in Fredericksburg totals about $6 a month. Based on the chart above, you can see that male drivers pay $69 on average, while female drivers typically pay $63 each month.
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. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Fredericksburg with one accident will pay around $76 a month. In addition, drivers with a single ticket on their record can expect to pay around $64 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$195|
|15 Years or Older||$58|
The most affordable vehicles to insure in Fredericksburg are usually trucks and vans, which run about $53 per month.
SUV drivers will see rates of about $63, while the rates for car owners average out to about $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Fredericksburg are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Fredericksburg, the difference in rates based on relationship status can be as much as $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your housing situation. Renters can expect to pay around $4 a month less than drivers who own property in Fredericksburg. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Fredericksburg, VA
Recent trends in car insurance for Fredericksburg drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of auto insurance coverage in Fredericksburg decreased from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $59 a month
How does Fredericksburg compare to neighboring areas?
Why are car insurance rates in Fredericksburg different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Amount of drivers
- Area crime rates
- Access to 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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Fredericksburg?
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.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering plans in Fredericksburg.
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Fredericksburg Insurance FAQs
What factors affect car insurance quotes in Fredericksburg?
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 Fredericksburg different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Fredericksburg?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Fredericksburg?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Fredericksburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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