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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 car insurance rates in Herndon are in line with rates across the rest of Virginia.
On the flip side, the expected monthly payments for an auto insurance policy in Herndon are below the national average. On average, it's about $20 less to insure your vehicle in Herndon than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Herndon drivers, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Herndon and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay $47 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may begin to go back up in Herndon.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Herndon is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. In Herndon, having a single accident on your record will usually get you rates around $76 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $54.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$58|
The cheapest vehicles to insure in Herndon are typically trucks and vans, with each type typically costing about $51 per month.
SUV drivers will see rates of about $57, while the rates for car owners average out to about $61 per month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Herndon, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Herndon.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Herndon, expect to pay around $11 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Herndon, VA
Recent trends in car insurance for Herndon drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Herndon, the rates for car insurance have been steadily increasing, reaching a high of $72 in 2021.
How does Herndon compare to neighboring areas?
Why are car insurance rates in Herndon different from other areas?
Car insurance companies take in a variety of factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Local laws
- Road Safety (frequency of car accidents)
- Off-street parking availability
- Local crime rates
- Amount of drivers
An awareness of these factors is important 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 Herndon?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Herndon in no time.
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 age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
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 local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Herndon?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Herndon?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Herndon or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.