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How much is car insurance in Herndon?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Herndon are in line with rates across the rest of Virginia.
The expected monthly payments for an auto insurance policy in Herndon are below the national average. You can expect to pay about $20 below the national average for auto insurance in Herndon.
These may be the average auto insurance rates for Herndon, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Herndon residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, 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 two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Herndon.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Herndon, where female drivers pay around $4 more per 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. Drivers in Herndon with a single accident will pay around $87 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$62|
In Herndon, the cheapest vehicles to insure are usually SUVs, with drivers paying around $57 per month to insure their vehicle.
SUV owners, on the other hand, typically pay around $57 a month, while truck and van drivers can expect to pay about $66 per month to insure their car.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In Herndon, 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)||$64|
Overall, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Herndon is no exception, with the difference totaling to around $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $12 a month more than homeowners in Herndon. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Herndon, VA
Recent trends in car insurance for Herndon drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Herndon dropped from 2017-2018, but leveled out in 2020. Rates have been increasing since then, and recently reached a high of $74 a month in 2022.
How does Herndon compare to neighboring areas?
Why are car insurance rates in Herndon different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Amount of drivers in the community
- Area crime rates
- Rate of car accidents
- Off-street parking availability
- Local regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing 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 Herndon?
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 hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in Herndon.
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Herndon Insurance FAQs
What factors affect car insurance quotes in Herndon?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Herndon different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, 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 Herndon?
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 Herndon?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Herndon or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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