Table of contents
How much is car insurance in Rocky Mount?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Rocky Mount typically costs about $9 a month less than it does in the rest of Virginia.
Compared to the rest of the country, auto insurance in Rocky Mount is more affordable. It's about $30 cheaper than the national average to insure your vehicle in Rocky Mount.
These rates may be the average amount drivers in Rocky Mount pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Rocky Mount residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $32 more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to increase again in Rocky Mount.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Rocky Mount is about $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $48 each month, while men pay $53 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Rocky Mount with a single accident on their record is about $65 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $69 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||Not Enough Data|
|15 Years or Older||$53|
If you look at the first table above, the cheapest vehicles to insure in Rocky Mount are by and large trucks and vans, at $44 per month.
SUV drivers will see rates of about $47 to insure their car, while car owners typically pay around $51 per month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Rocky Mount, the most expensive vehicles to insure are vehicles fifteen years and older and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
On average, married policyholders will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Rocky Mount reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than drivers who own property in Rocky Mount. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Rocky Mount, VA
Recent trends in car insurance for Rocky Mount 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.
The cost of car insurance in Rocky Mount declined from 2016-2018, before leveling out in 2019. Car insurance rates finished up in 2021, at $52 a month
How does Rocky Mount compare to neighboring areas?
Why are car insurance rates in Rocky Mount different from other areas?
There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking accessibility
- Regional crime rates
- Road Safety (total number of local car accidents)
- Number of drivers
- Community regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. 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 Rocky Mount?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Rocky Mount.
Rocky Mount Insurance FAQs
What factors affect car insurance quotes in Rocky Mount?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Rocky Mount different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Rocky Mount?
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 Rocky Mount?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rocky Mount or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.