Front Royal, VA Car Insurance

The average cost for car insurance in Front Royal is about $51 a month. To learn more about car insurance rates in the Front Royal area, read our guide below.
How does Front Royal stack up to the rest of the area, or even Virginia as a whole? What rates can residents of Front Royal expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Front Royal?

Area Average Monthly Car Insurance Premium
Front Royal$51
VA$61
United States$81

According to the chart above, the average cost of auto insurance in Virginia is about $10 a month more expensive than it is in Front Royal.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Front Royal is rather affordable. The average monthly payment in Front Royal is about $30 cheaper than the rate for the rest of the United States.

While these are the average costs to insure your vehicle in Front Royal, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The monthly premium 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.

But don't worry, we've broken down average rates for Front Royal residents so that you can get a more accurate idea of what you might pay. 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 18Not Enough Data
18-24$72
25-34$47
35-44$48
45-54Not Enough Data
55-64$32
65+$36

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Front Royal.

Average Car Insurance Rates by Gender

Gender Average
Male$50
Female$51

On average, female drivers pay slightly less for car insurance than their male counterparts. In Front Royal, although men do pay a little bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$70
Multiple Accidents$71
1 Ticket$54
Multiple Tickets$66

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Front Royal, having a single accident on your record will usually get you rates around $70 a month. In addition, drivers with one ticket can expect to pay around $54 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$101
2-3 Years$47
4-5 Years$58
6-7 Years$61
8-10 Years$61
11-14 Years$51
15 Years or Older$43

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Front Royal, with drivers paying around $36 per month for auto insurance coverage.

Car owners can expect to pay an average of around $56 a month for their policy, while SUVs usually cost around $44 a month to insure.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Front Royal, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$39
Divorced$46
Widowed$40

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Front Royal is about $14 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$37
Rent$55
Live with parents$62

Another factor that comes into play is your living situation. Renters can expect to pay around $18 a month more than homeowners in Front Royal. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Front Royal, VA

Recent trends in car insurance for Front Royal 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 Front Royal, drivers paid about the same rate from 2017 to 2022. The rates for car insurance hit a high of $67 in 2020 and a low of $47 in 2021.

How does Front Royal compare to neighboring areas?

Why are car insurance rates in Front Royal different from other areas?

There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • General road safety (how many accidents each locality has)
  • Availability of off-street parking
  • Total amount of drivers in the area
  • Laws
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Front Royal?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Front Royal.

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Front Royal Insurance FAQs

What factors affect car insurance quotes in Front Royal?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Front Royal different from other neighboring cities?

Things like local laws, parking situations, 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 Front Royal?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Front Royal?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Front Royal 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.

Find your best rate in just a few minutes