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How much is car insurance in Warrenton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in Warrenton than it is in the rest of Virginia.
That being said, when compared to the national average, the cost for auto insurance in Warrenton is lower. You can expect to pay about $14 below the national average for auto insurance in Warrenton.
While these numbers are the average rates for auto insurance in Warrenton, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Warrenton residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, 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 $61 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up a bit in Warrenton.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Warrenton, where male drivers pay about $13 more a month. As you can see in the table above, male drivers in the area typically pay $73 on average, while female drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Warrenton with a single accident on their record will usually see rates around $75 a month. In addition, drivers with a single ticket on their record can expect to pay around $69 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$61|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Warrenton, with drivers paying around $62 per month for insurance coverage.
Car owners, on the other hand, usually pay around $70 per month, while SUV drivers can expect to pay about $63 a month for auto insurance.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Warrenton, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$74|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In Warrenton, the difference in rates based on relationship status can be as much as $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
One other element taken into consideration is your living situation. In Warrenton, homeowners can expect to pay around $25 a month less than those who rent. But if you live with your parents, you can expect to pay a lot 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 Warrenton, VA
Recent trends in car insurance for Warrenton 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 rates for auto insurance in Warrenton dropped from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $103.
How does Warrenton compare to neighboring areas?
Why are car insurance rates in Warrenton different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. 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:
- Total number of drivers in the region
- Road Safety (how many accidents each locality has)
- Amount of off-street parking
- Community laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Warrenton?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Warrenton in no time.
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Warrenton Insurance FAQs
What factors affect car insurance quotes in Warrenton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Warrenton 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 crime rates, parking situations, 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 Warrenton?
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 Warrenton?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Warrenton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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