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How much is car insurance in McLean?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in McLean are in line with rates across the rest of Virginia.
Likewise, the expected monthly payments for an auto insurance policy in McLean are below the national average. The average monthly payment in Mc Lean is about $22 less than the rate for the rest of the United States.
While these are the average car insurance rates for McLean, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down average rates for Mc Lean 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 Code below and find out in 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 on the road, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in McLean.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In McLean, the difference comes out to about $9 per month. Based on the chart above, you can see that female drivers pay around $53 on average, while male drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In McLean, a driving record with one accident will usually get you a rate around $62 a month. In addition, drivers with one ticket can expect to pay around $83 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$98|
|15 Years or Older||$51|
According to the first table above, the cheapest vehicles to insure in McLean are by and large SUVs, at $53 per month.
Car owners, on the other hand, usually pay around $60 a month, while truck and van drivers can expect to pay about $54 per month for auto insurance.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In McLean, 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)||$58|
On average, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in McLean is about $8 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor taken into consideration is your housing status. In McLean, homeowners can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 McLean, VA
Recent trends in car insurance for McLean 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.
In McLean, auto insurance rates have been mixed over the past few years. They dropped in 2016, rose in 2018, and decreased again in 2020, before finishing at $60 in 2021.
How does McLean compare to neighboring areas?
Why are car insurance rates in McLean different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Off-street parking access
- Road Safety (total number of local car accidents)
- Total number of drivers in the community
- Crime levels
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in McLean?
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 wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in McLean.
McLean Insurance FAQs
What factors affect car insurance quotes in McLean?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in McLean different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in McLean?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to McLean?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Mc Lean 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.