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How much is car insurance in Midlothian?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Midlothian is in line with pricing for the rest of Virginia.
However, car insurance rates in Midlothian are more affordable than the national average. Car insurance rates for the U.S. as a whole are, on average, $19 more expensive than the rates you'd pay in Midlothian.
While these are the average costs to insure your vehicle in Midlothian, 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 off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Midlothian to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, 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|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $45 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may start to rise again in Midlothian.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Midlothian, this difference shakes out to about $9 a month. As illustrated in the table above, female drivers in the area pay about $57 on average, while male drivers pay around $66 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Midlothian, a driving record with a single accident will usually get you a rate around $72 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $77.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$65|
The most affordable vehicles to insure in Midlothian are by and large trucks and vans, which run about $55 per month.
Cars and SUV, on the other hand, usually cost about $62 for auto insurance.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Midlothian, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Overall, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Midlothian follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
One other element taken into consideration is your housing status. If you rent your home or apartment in Midlothian, expect to pay around $17 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.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Midlothian, VA
Recent trends in car insurance for Midlothian drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Midlothian, car insurance rates declined from 2017-2019, when they reached a low of $51. This trend leveled out in 2020, when they began to increase, and have continued on that path through the present, where rates finished at $80 per month.
How does Midlothian compare to neighboring areas?
Why are car insurance rates in Midlothian different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Crime levels
- Number of car accidents
- Area laws
- Off-street parking access
- Total amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Midlothian?
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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Midlothian.
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Midlothian Insurance FAQs
What factors affect car insurance quotes in Midlothian?
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, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Midlothian 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Midlothian?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Midlothian?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Midlothian 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.
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