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How much is car insurance in Leesburg?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Virginia, coverage in Leesburg is about $5 a month cheaper.
Similarly, car insurance rates in Leesburg are more affordable than the national average. Car insurance rates for the U.S. as a whole are, on average, $25 more expensive than the rates you'd pay in Leesburg.
While these are the average car insurance rates for Leesburg, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium 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 Leesburg residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP 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|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up a bit in Leesburg.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Leesburg, where women pay around $8 less a month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Leesburg, a driving record with one accident will usually get you a rate around $63 a month. Similarly, drivers with one ticket will typically pay around $65 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$57|
As you can see in the first table above, the cheapest vehicles to insure in Leesburg are usually SUVs, which run about $53 per month.
Car owners will see rates of about $56, while truck and van owners by and large pay around $59 per month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Leesburg, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Leesburg as well, where the difference is around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Leesburg. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Leesburg, VA
Recent trends in car insurance for Leesburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Leesburg, the rates for car insurance decreased from 2017-2018, when they reached a low of $47. This changed in 2019, when insurance rates began to increase. They hit a high of $63 in 2021, and finished at $61 in 2022.
How does Leesburg compare to neighboring areas?
Why are car insurance rates in Leesburg different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a number of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Community regulations
- Total number of drivers in the region
- Off-street parking availability
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Leesburg?
While knowing 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.
Luckily, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Leesburg in no time.
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Leesburg Insurance FAQs
What factors affect car insurance quotes in Leesburg?
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 age and gender, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Leesburg different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Leesburg?
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 Leesburg?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Leesburg 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.
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