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How much is car insurance in Suffolk?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Suffolk are in line with rates across the rest of Virginia.
When stacked up against the national average, the average monthly policy payment for Suffolk is more affordable. Auto insurance coverage in Suffolk is about $20 cheaper than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Suffolk, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down average rates for Suffolk to help you understand what your policy's monthly premium will cost. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $50 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Suffolk.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Suffolk totals about $6 a month. Based on the chart above, you can see that male drivers pay $64 on average, while female drivers typically pay $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Suffolk, a driving record with one accident will usually get you a rate around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $109.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$59|
In Suffolk, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $52 per month to insure their vehicle.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs usually cost around $56 a month to insure.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Suffolk, 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)||$66|
More often than not, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Suffolk can be as much as $16 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||$73|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than drivers who own property in Suffolk. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Suffolk, VA
Recent trends in car insurance for Suffolk 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.
The cost of car insurance coverage in Suffolk increased from 2016-2018, where it reached a high of $75, before leveling out in 2019. Insurance rates have risen again in recent years, finishing at $63 per month in 2021.
How does Suffolk compare to neighboring areas?
Why are car insurance rates in Suffolk different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Frequency of car accidents
- Off-street parking accessibility
- Area regulations
- Amount of drivers in the area
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Suffolk?
While knowing 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.
Fortunately, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Suffolk.
Suffolk Insurance FAQs
What factors affect car insurance quotes in Suffolk?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Suffolk different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Suffolk?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Suffolk?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Suffolk 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.