Front Royal, VA Car Insurance

On average, drivers in Front Royal pay around $51 per month for their car insurance. Check out our guide below to find out how much you'll pay.
Are rates in Front Royal higher or lower than those in neighboring areas? How do they compare to the rest of Virginia? 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$59
United States$80

Compared to the rest of the Virginia, coverage in Front Royal is about $8 a month cheaper.

Likewise, when compared to the national average, the cost for auto insurance in Front Royal is lower. The average monthly payment in Front Royal is about $29 cheaper than the rate for the rest of the United States.

Bear in mind that while these rates are the average costs for Front Royal residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 sweat it however, we've broken down average rates for Front Royal residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$73
25-34$45
35-44$48
45-54Not Enough Data
55-64$32
65+$36

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $37 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Front Royal may see their rates rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$52
Female$50

In general, women pay slightly less for car insurance than men. In Front Royal, although women do pay slightly less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$68
1 TicketNot Enough Data
Multiple Tickets$71

Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay much less than those with accidents or violations. The rate for drivers in Front Royal with a single accident on their record is about $78 a month.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$117
2-3 Years$57
4-5 Years$58
6-7 Years$61
8-10 Years$61
11-14 Years$48
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.

Car owners will see a monthly premium of about $56, while SUV owners by and large pay around $44 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. 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, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Front Royal follows that pattern, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$56
Live with parents$62

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than homeowners in Front Royal. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Front Royal, VA

Recent trends in car insurance for Front Royal drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Car insurance rates in Front Royal increased from 2016-2017, before steadying out in 2018. They finished down in 2021, at $41 a month

How does Front Royal compare to neighboring areas?

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

There are many factors car insurance companies will consider when deciding how much to charge for a monthly rate. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Community regulations
  • Number of drivers
  • Off-street parking accessibility
  • Road Safety (how many accidents each locality has)
  • Crime

Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Front Royal?

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.

Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage 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 driving record, credit score, marital status, and address.

Why is the cost of car insurance in Front Royal 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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 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 Front Royal 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?

Find your best rate in just a few minutes