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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 $5 a month more than in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Spotsylvania has lower rates. You can expect to pay about $16 less for your policy in Spotsylvania than in the rest of United States.
Although these are the average rates for auto insurance in Spotsylvania, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Spotsylvania to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may climb back up a bit in Spotsylvania.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Spotsylvania, where male drivers pay about $8 more per month. As you can see in the table above, female drivers in the area typically pay $60 on average, while female drivers typically pay $68 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. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Spotsylvania, drivers with one accident on their record will experience rates around $75 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$64|
The cheapest vehicles to insure in Spotsylvania are typically trucks and vans, with each type typically costing about $54 per month.
Car and SUVs, however, both cost about the same amount to insure their vehicle -- around $66 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in Spotsylvania are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Spotsylvania is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$67|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than drivers who own property in Spotsylvania. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies 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
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Spotsylvania, the rates for auto insurance have been mixed over the past few years. They rose in 2016, fell in 2018, and increased again in 2020, before finishing at $83 in 2021.
How does Spotsylvania compare to neighboring areas?
Why are car insurance rates in Spotsylvania 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. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (how many accidents each locality has)
- Local crime rates
- Number of drivers in the community
- Off-street parking access
- Regional laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 Spotsylvania?
Equipping 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.
Good news! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Spotsylvania.
Spotsylvania Insurance FAQs
What factors affect car insurance quotes in Spotsylvania?
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 gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Spotsylvania different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Spotsylvania?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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. 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 Spotsylvania or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?