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How much is car insurance in Stafford?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $5 a month more expensive to insure your vehicle in Stafford than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Stafford. The average monthly payment in Stafford is about $15 less than the rate for the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Stafford, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But worry not, we've done the heavy lifting and broken down the average rate for Stafford to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to increase again in Stafford.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Stafford, where women pay around $7 less a month. Based on the chart above, you can see that female drivers pay around $63 on average, while male drivers typically pay $70 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 who avoid accidents and tickets will pay lower rates than those with infractions. In Stafford, having a single accident on your record will usually get you rates around $77 a month. Similarly, drivers with one ticket will typically pay around $69 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$67|
As you can see in the first table above, the cheapest vehicles to insure in Stafford are usually SUVs, which run about $61 per month.
Truck and van drivers will see rates of about $70 to insure their vehicle, while car owners by and large pay around $66 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Stafford, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
On average, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Stafford reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $16 a month more than drivers who own property in Stafford. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Stafford, VA
Recent trends in car insurance for Stafford drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The cost of insurance in Stafford rose from 2017-2020, before leveling out in 2021. Policy premiums finished up in 2022, at $68 a month
How does Stafford compare to neighboring areas?
Why are car insurance rates in Stafford different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Community laws
- Number of car accidents
- Access to off-street parking
- Rate of crime
- Total amount of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 Stafford?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! 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 loads of the car insurance companies providing coverage in Stafford.
Stafford Insurance FAQs
What factors affect car insurance quotes in Stafford?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Stafford different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Stafford?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Stafford?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Stafford 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?