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How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $14 a month more expensive to insure your vehicle in Springfield than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Springfield. You can expect to pay about $6 less for your policy in Springfield than in the rest of U.S.
While these numbers represent the average monthly payments for coverage in Springfield, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 even your credit score depending on the circumstances.
We've broken down the average rates for Springfield to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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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 experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $66 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, however, you may see your rates start to rise again in Springfield.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Springfield, the difference comes out to about $13 a month. As you can see in the table above, female drivers in the area typically pay $66 on average, while female drivers typically pay $79 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Springfield with a single accident on their record is about $124 a month. In addition, drivers with a single ticket on their record can expect to pay around $87 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$84|
As you can see in the first table above, the cheapest vehicles to insure in Springfield are by and large trucks and vans, which run about $56 per month.
SUV drivers will see rates of about $66, while the rates for car owners average out to about $78 per month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Springfield, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
On average, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The cost of auto insurance in Springfield reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $21 a month more than homeowners in Springfield. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Springfield, VA
Recent trends in car insurance for Springfield 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 rates for auto insurance in Springfield have been mixed as of late, they reached a high of $79 in 2019 and a low of $120 in 2021. Otherwise, drivers paid about the same rate from 2017 to 2022.
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
There are numerous factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Total number of drivers in the community
- Area crime rates
- Availability of off-street parking
- Local regulations
- Rate 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. 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 Springfield?
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 does all of that work for you. Just type in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Springfield.
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Springfield Insurance FAQs
What factors affect car insurance quotes in Springfield?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Springfield 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 Springfield?
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 Springfield?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Springfield 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?
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