Table of contents
How much is car insurance in Staunton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $15 a month cheaper to insure your vehicle in Staunton than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Staunton. It's around $35 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for residents of Staunton, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to 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.
Don't sweat it however, we've broken down average rates for Staunton residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates rise again in Staunton.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Staunton, where female drivers pay around $47 per month while male drivers pay about $43.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Staunton with a single accident on their record will usually see rates around $45 a month. In addition, drivers with a single ticket on their record can expect to pay around $47 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$44|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Staunton, with drivers paying around $40 per month for insurance.
Car owners can expect to pay an average of around $45 a month for their policy, while SUVs usually cost around $53 a month to insure.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Staunton, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Staunton can be as much as $9 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Another factor that comes into play is your living situation. In Staunton, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Staunton, VA
Recent trends in car insurance for Staunton drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Staunton, the rates for auto insurance increased from 2017-2018, when they reached a low of $44. This shifted in 2019, when car insurance rates began to increase. They hit a high of $53 in 2020, and finished up in 2022, at $49 a month.
How does Staunton compare to neighboring areas?
Why are car insurance rates in Staunton different from other areas?
Car insurance companies will take into account a variety of factors when deciding 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:
- Local regulations
- Road Safety (how many accidents each locality has)
- Total number of drivers
- Access to off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Staunton?
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 will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Staunton.
Staunton Insurance FAQs
What factors affect car insurance quotes in Staunton?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Staunton different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Staunton?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Staunton?
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 Staunton 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?