Table of contents
How much is car insurance in Sterling?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Sterling are in line with rates across the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Sterling. The average monthly payment in Sterling is about $19 less than the rate for the rest of the United States.
Bear in mind that while these are the average car insurance rates for Sterling, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Sterling to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $56 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up in Sterling.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Sterling, where women pay around $10 less per month. Looking at the table above, you can see that female drivers pay around $54 on average, while male drivers typically pay $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Sterling with one accident will pay around $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $88.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$67|
As you can see in the first table above, the cheapest vehicles to insure in Sterling are by and large cars, which run about $59 per month.
Truck and van drivers will see rates of about $60 for car insurance, while SUV owners typically pay around $67 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Sterling are vehicles fifteen years and older and two-to-three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Overall, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
In Sterling, the difference in rates based on relationship status can be as much as $7 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Sterling, expect to pay around $6 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
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 car insurance costs.
Car Insurance Companies in Sterling, VA
Recent trends in car insurance for Sterling 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 Sterling increased from 2016-2018, before steadying out in 2019. Insurance rates rose again recently, hitting a high of $75 in 2021.
How does Sterling compare to neighboring areas?
Why are car insurance rates in Sterling different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local crime rates
- Area laws
- Rate of car accidents
- Amount of drivers in the community
- Off-street parking access
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sterling?
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 hold on! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Sterling.
Sterling Insurance FAQs
What factors affect car insurance quotes in Sterling?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Sterling different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sterling?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Sterling or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.