Table of contents
How much is car insurance in Ruther Glen?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Virginia are about $4 a month cheaper than the rates drivers pay in Ruther Glen.
If you're thinking of moving to Ruther Glen from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $17 more expensive than in Ruther Glen.
Bear in mind that while these are the average car insurance rates for Ruther Glen, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Ruther Glen so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance bills. 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 a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up in Ruther Glen.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Ruther Glen, however, men actually pay slightly less than female drivers for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly 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. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $54.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$53|
In terms of affordable coverage, the cheapest vehicles to insure in Ruther Glen are usually trucks and vans, at $47 per month.
Car owners will see a monthly premium of about $65, while SUV owners by and large pay around $58 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Ruther Glen are vehicles less than or equal to one-year-old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Ruther Glen can be as much as $23 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$99|
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 $5 less than drivers who own property in Ruther Glen. But if you live with your parents, your rates will be significantly higher.
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 Ruther Glen, VA
Recent trends in car insurance for Ruther Glen drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Ruther Glen, car insurance rates decreased from 2016-2018, where they hit a low of $51, before steadying out in 2019. Insurance rates have been decreasing again since 2020, and finished down at $56 in 2021.
How does Ruther Glen compare to neighboring areas?
Why are car insurance rates in Ruther Glen different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Number of drivers in the community
- Crime rates
- Access to off-street parking
- Road Safety (frequency of car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Ruther Glen?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Ruther Glen in no time.
Ruther Glen Insurance FAQs
What factors affect car insurance quotes in Ruther Glen?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Ruther Glen different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Ruther Glen?
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 Ruther Glen?
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. 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?