Table of contents
How much is car insurance in Lorton?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Lorton than it is in the rest of Virginia.
On the flip side, car insurance rates in Lorton are often favorable when viewed against the rest of the country. The average monthly payment in Lorton is about $7 cheaper than the rate for the rest of the United States.
While these numbers represent the average monthly payments for coverage in Lorton, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Lorton residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $34 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Lorton may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Lorton, where women pay around $8 less per month than men. Looking at the table above, you can see that female drivers pay around $68 on average, while male drivers typically pay $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Lorton with a single accident will pay around $55 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$62|
|15 Years or Older||$80|
As you can see in the first table above, the cheapest vehicles to insure in Lorton are by and large SUVs, which run about $55 per month.
SUV owners can expect to pay an average of around $55 a month for their policy, while truck and van drivers are usually around $84 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Lorton, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Despite the national trend of married drivers saving more than single drivers, the rates for both in Lorton are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $23 a month more than drivers who own property in Lorton. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Lorton, VA
Recent trends in car insurance for Lorton 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.
The cost of auto insurance coverage in Lorton had been increasing from 2016-2017, where it hit a high of $83, before steadying out in 2018. Rates increased again in 2019, and finished down at $71 in 2021.
How does Lorton compare to neighboring areas?
Why are car insurance rates in Lorton different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Regional regulations
- Availability of off-street parking
- Total number of drivers
- Crime levels
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Lorton?
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 has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Lorton in no time.
Lorton Insurance FAQs
What factors affect car insurance quotes in Lorton?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Lorton different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Lorton?
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 Lorton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
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 Lorton 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.