Table of contents
How much is car insurance in Springfield?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Virginia are about $8 a month cheaper than the rates drivers pay in Springfield.
Conversely, when compared to the national average, the cost for auto insurance in Springfield is lower. Auto insurance coverage in Springfield is about $13 cheaper than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Springfield, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've broken down the average rates for Springfield to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay $49 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in Springfield may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in Springfield is around $5 a month. As you can see in the table above, female drivers in the area typically pay $64 on average, while female drivers typically pay $69 each month.
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. The rate for drivers in Springfield with a single accident on their record is about $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $107 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$71|
|15 Years or Older||$67|
The most affordable vehicles to insure in Springfield are by and large trucks and vans, which run about $55 per month.
SUV drivers will see rates of about $64, while the rates for car owners average out to about $69 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Springfield, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
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 Springfield is about $7 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||$87|
One other element taken into consideration is your housing situation. Those who own their own home in Springfield can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
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 shopping for coverage.
The cost of auto insurance coverage in Springfield declined from 2016-2017, before leveling out in 2018. Insurance rates finished down in 2021, at $74 a month
How does Springfield compare to neighboring areas?
Why are car insurance rates in Springfield different from other areas?
Car insurance companies take in a lot of factors when figuring out how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total number of drivers in the community
- Rate of car accidents
- Area regulations
- Crime levels
- Off-street parking availability
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Springfield?
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.
Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Springfield.
Springfield Insurance FAQs
What factors affect car insurance quotes in Springfield?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record 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?
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 Springfield?
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 Springfield?
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. 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?