Table of contents
How much is car insurance in Vienna?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $4 a month more expensive to insure your vehicle in Vienna than it is in the rest of Virginia.
However, the expected monthly payments for an auto insurance policy in Vienna are below the national average. It's around $17 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in Vienna, keep in mind that you could end up paying a different amount. 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 the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Vienna and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Vienna.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Vienna, the difference is around $7 per month. As illustrated in the table above, male drivers in the area pay about $65 on average, while female drivers pay around $58 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Vienna, a driving record with a single accident will usually get you a rate around $72 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$61|
If you look at the first table above, the cheapest vehicles to insure in Vienna are usually trucks and vans, at $59 per month.
Car owners, on the other hand, by and large pay around $63 a month, while SUV drivers can expect to pay about $62 per month for auto insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Vienna are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$63|
The cost of auto insurance in Vienna reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Vienna. But those who live at home with their parents can expect to pay significantly 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 Vienna, VA
Recent trends in car insurance for Vienna 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.
Insurance rates in Vienna have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $73 in 2021.
How does Vienna compare to neighboring areas?
Why are car insurance rates in Vienna different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Amount of drivers in the area
- Community laws
- General road safety (how many accidents each locality has)
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Vienna?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer coverage in Vienna.
Vienna Insurance FAQs
What factors affect car insurance quotes in Vienna?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Vienna different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Vienna?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Vienna?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Vienna 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?