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How much is car insurance in Spotsylvania?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Spotsylvania will typically run you about $11 a month more than in the rest of Virginia.
Conversely, car insurance rates in Spotsylvania are more affordable than the national average. It's around $9 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for Spotsylvania residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Spotsylvania so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
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 climb back up a bit in Spotsylvania.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Spotsylvania, this difference shakes out to about $17 a month. Looking at the table above, you can see that female drivers pay around $63 on average, while male drivers typically pay $80 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Spotsylvania with a single accident will pay around $107 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $71 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$72|
In Spotsylvania, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $56 per month for auto insurance.
SUV drivers will see rates of about $67 for car insurance coverage, while car owners typically pay around $77 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Spotsylvania, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Spotsylvania is about $31 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Spotsylvania, expect to pay around $33 a month more than if you own property. 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 overall costs, depending on your insurance company.
Car Insurance Companies in Spotsylvania, VA
Recent trends in car insurance for Spotsylvania drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Spotsylvania declined from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $87.
How does Spotsylvania compare to neighboring areas?
Why are car insurance rates in Spotsylvania different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Availability of off-street parking
- Amount of drivers in the region
- Area crime rates
- Local regulations
- Road Safety (frequency of car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Spotsylvania?
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 enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Spotsylvania.
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Spotsylvania Insurance FAQs
What factors affect car insurance quotes in Spotsylvania?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Spotsylvania different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Spotsylvania?
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 Spotsylvania?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Spotsylvania 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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