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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 auto insurance rates in Suffolk are in line with rates across the rest of Virginia.
If you're thinking of moving to Suffolk from out of state, you may still be in luck. It's about $19 cheaper than the national average to insure your vehicle in Suffolk.
While these are the average car insurance rates for Suffolk, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Suffolk so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Suffolk may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This is true in Suffolk, where male drivers pay about $6 more per month. As illustrated in the table above, male drivers in the area pay about $65 on average, while female drivers pay around $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Suffolk, a driving record with one accident will usually get you a rate around $69 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $75.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$62|
The most affordable vehicles to insure in Suffolk are by and large trucks and vans, which run about $55 per month.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs usually cost around $61 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Suffolk, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Overall, people who are married will pay slightly less for car insurance coverage. 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 is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Suffolk, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Suffolk, VA
Recent trends in car insurance for Suffolk drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Suffolk, auto insurance rates increased from 2017-2018 -- where they hit a high of $75 -- before steadying out in 2019. Insurance rates rose again in 2020, and finished down at $67 in 2022.
How does Suffolk compare to neighboring areas?
Why are car insurance rates in Suffolk different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Regional laws
- Road Safety (total number of local car accidents)
- Total drivers
- Prevalence of crime
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Suffolk?
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.
But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Suffolk.
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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 gender and age, 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?
Crime rates, local laws, and parking situations -- 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?
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 Suffolk?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 point, no matter how much time is left on your current policy. If you're thinking about moving to Suffolk 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.
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