Sterling, VA Car Insurance

What can Sterling residents expect to pay for their car insurance? How does Sterling compare to the surrounding area and the rest of Virginia? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Sterling?

As you can tell by looking at the chart above, car insurance rates in Sterling are about the same as the rest of Virginia.

When stacked up against the national average, the average monthly policy payment for Sterling is more affordable. Auto insurance coverage in Sterling is about $17 cheaper than it is for the rest of the United States.

While these numbers represent the average monthly payments for coverage in Sterling, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.

We've analyzed the average rate for Sterling and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $56 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Sterling.

Average Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In Sterling, the difference is around $8 per month. Looking at the table above, you can see that female drivers pay around $59 on average, while male drivers typically pay $67 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay significantly less than those with infractions. In Sterling, drivers with one accident on their record will experience rates around $89 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $73.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Sterling are usually cars, trucks, and vans, which run about $62 per month.

SUV owners, however, pay about $70 per month for auto insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Sterling, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Overall, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.

The cost of auto insurance in Sterling reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living accommodations. Homeowners in Sterling can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Sterling, VA

Recent trends in car insurance for Sterling 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 rates for car insurance in Sterling had been increasing from 2017-2018, before steadying out in 2019. Car insurance rates went up again recently, hitting a high of $91 in 2022.

How does Sterling compare to neighboring areas?

Why are car insurance rates in Sterling different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:

• General road safety (how many accidents each locality has)
• Local crime rates
• Total amount of drivers in the community
• Community laws
• Availability of off-street parking

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. Knowing 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 Sterling?

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.

But hold on! Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Sterling.

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Sterling Insurance FAQs

What factors affect car insurance quotes in Sterling?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Sterling different from other neighboring cities?

Things like parking situations, crime rates, and local laws, 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 Sterling?

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 Sterling?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Sterling or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.