Table of contents
How much is car insurance in Mechanicsville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Mechanicsville typically costs about $4 a month less than it does in the rest of Virginia.
Similarly, car insurance rates in Mechanicsville are often favorable when viewed against the rest of the country. The average monthly payment in Mechanicsville is about $25 cheaper than the rate for the rest of the U.S.
These may be the average auto insurance rates for Mechanicsville, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Mechanicsville residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. 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 significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may start to rise again in Mechanicsville.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Mechanicsville, although women do pay a little bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Mechanicsville with one accident will pay around $69 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $61 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$47|
|15 Years or Older||$57|
In Mechanicsville, the cheapest vehicles to insure are usually SUVs, with drivers paying around $52 per month for insurance coverage.
Truck and van drivers will see rates of about $57, while the rates for car owners average out to about $56 a month.
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, once your car is a few years old you may start to see your rates drop back down a bit. In Mechanicsville, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Mechanicsville as well, where the difference is around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Mechanicsville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Mechanicsville, VA
Recent trends in car insurance for Mechanicsville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Mechanicsville, auto insurance rates had been increasing from 2016-2019, before leveling out in 2020. Car insurance rates finished up in 2021, at $73 per month
How does Mechanicsville compare to neighboring areas?
Why are car insurance rates in Mechanicsville different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Off-street parking access
- Community laws
- Total amount of drivers in the community
- Rate of crime
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Mechanicsville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Mechanicsville.
Mechanicsville Insurance FAQs
What factors affect car insurance quotes in Mechanicsville?
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 Mechanicsville different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Mechanicsville?
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 Mechanicsville?
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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Mechanicsville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?