Rocky Mount, VA Car Insurance

Compared to their surrounding area, how do rates in Rocky Mount stack up? What about against the rest of Virginia? What can Rocky Mount residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Rocky Mount?

Based on the above chart, auto insurance policies in Rocky Mount are about $10 a month cheaper than in the rest of Virginia.

Likewise, when compared to the national average, the cost for auto insurance in Rocky Mount is lower. The average monthly payment in Rocky Mount is about $30 cheaper than the rate for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Rocky Mount, 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 to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

Don't sweat it however, we've broken down the average rate for Rocky Mount residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to increase again once you hit retirement age in Rocky Mount.

Average Car Insurance Rates by Gender

In general, car insurance rates for women are usually cheaper than they are for men. Male and female drivers in Rocky Mount, however, both pay around $51 per month to insure their car.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Rocky Mount, a driving record with a single accident will usually get you a rate around $62 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $55.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Rocky Mount are by and large trucks and vans, at $45 per month.

SUV drivers will see rates of about $50, while the rates for car owners average out to about $52 a month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Rocky Mount are vehicles fifteen years and older and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Rocky Mount can be as much as $9 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Rocky Mount. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

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 picking an insurance policy.

The cost of auto insurance in Rocky Mount dropped from 2017-2018, when it hit a low of $41. This pattern leveled out in 2021, when it began to rise, and has continued moving in that direction through the present, where policy premiums reached a high of $58 per month.

How does Rocky Mount compare to neighboring areas?

Why are car insurance rates in Rocky Mount different from other areas?

Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:

• Road Safety (frequency of car accidents)
• Area laws
• Crime levels
• Amount of off-street parking
• Number of drivers in the community

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. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in Rocky Mount?

While knowing 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.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Rocky Mount.

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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Rocky Mount different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Rocky Mount?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

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 Rocky Mount or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?