Table of contents
How much is car insurance in Stafford?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month more expensive to insure your vehicle in Stafford than it is in the rest of Virginia.
If you're thinking of moving to Stafford from out of state, you may still be in luck. It's about $14 cheaper than the national average to insure your vehicle in Stafford.
While these are the average monthly costs for auto insurance coverage in Stafford, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Stafford and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Stafford.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Stafford is around $8 a month. Looking at the table above, you can see that female drivers pay around $62 on average, while male drivers typically pay $70 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Stafford, drivers with one accident on their record will experience rates around $77 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $99.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$66|
The most affordable vehicles to insure in Stafford are typically SUVs, which run about $60 per month.
SUV owners will see rates of about $60, while truck and van owners usually pay around $81 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. 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|
More often than not, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Stafford, with married couples paying about $19 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor taken into consideration is your housing situation. Those who own their own home in Stafford can expect to pay around $16 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.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Stafford, VA
Recent trends in car insurance for Stafford drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Stafford, the rates for auto insurance went up steadily from 2016-2020. They finished down in 2021, at $67.
How does Stafford compare to neighboring areas?
Why are car insurance rates in Stafford different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Community regulations
- Number of drivers in the region
- Off-street parking access
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?
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.
Good news! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Stafford in no time.
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Stafford different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Stafford?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Stafford?
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 Stafford or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?