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How much is car insurance in Ruther Glen?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Ruther Glen as it is in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Ruther Glen has lower rates. The average monthly payment for the U.S. as a whole is about $18 more expensive than in Ruther Glen.
Although these are the average monthly costs for an auto insurance policy in Ruther Glen, 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. 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 worry not, we've done the heavy lifting and broken down the average rate for Ruther Glen to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Ruther Glen.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, Ruther Glen actually goes against the grain. While female drivers pay $67 a month for auto insurance, males only pay about $60.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Ruther Glen, a driving record with one accident will usually get you a rate around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $60 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$50|
If you look at the first table above, the cheapest vehicles to insure in Ruther Glen are typically trucks and vans, at $52 per month.
SUV drivers will see rates of about $57 for car insurance coverage, while car owners by and large pay around $66 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Ruther Glen are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Ruther Glen is no exception, with the difference totaling to around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Another factor taken into consideration is your living situation. Homeowners and renters alike can expect to pay about $56 per month for coverage in Ruther Glen.
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 Ruther Glen, VA
Recent trends in car insurance for Ruther Glen drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Ruther Glen dropped from 2017-2018, before leveling out in 2019. They finished down in 2022, at $47 a month
How does Ruther Glen compare to neighboring areas?
Why are car insurance rates in Ruther Glen different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Regional laws
- Total amount of drivers in the community
- Off-street parking accessibility
- Area crime rates
- Road Safety (frequency of car accidents)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Ruther Glen?
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.
Don't worry, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Ruther Glen in no time.
Ruther Glen Insurance FAQs
What factors affect car insurance quotes in Ruther Glen?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Ruther Glen 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 Ruther Glen?
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 Ruther Glen?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Ruther Glen or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?