Table of contents
How much is car insurance in Williamsburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Williamsburg typically costs about $8 a month less than it does in the rest of Virginia.
If you're thinking of moving to Williamsburg from out of state, you may still be in luck. On average, it's about $29 less to insure your vehicle in Williamsburg than it is in the rest of the U.S.
These rates may be the average amount Williamsburg residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
Don't worry, we've done the work for you and broken down the average rates for Williamsburg to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Williamsburg drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Williamsburg, this difference shakes out to about $4 a month. As illustrated in the table above, male drivers in the area pay about $53 on average, while female drivers pay around $49 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Williamsburg, having a single accident on your record will usually get you rates around $68 a month. Similarly, drivers with one ticket will typically pay around $70 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$42|
|15 Years or Older||$50|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Williamsburg, with drivers paying around $48 per month to insure their vehicle.
Car owners, on the other hand, by and large pay around $52 per month, while SUV drivers can expect to pay about $49 a month for insurance coverage.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Williamsburg, 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)||$53|
Generally speaking, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Williamsburg can be as much as $4 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||$71|
Another factor that comes into play is your housing situation. In Williamsburg, homeowners can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Williamsburg, VA
Recent trends in car insurance for Williamsburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Car insurance rates in Williamsburg went up from 2016-2018, before leveling out in 2019. They finished up in 2021, at $52 per month
How does Williamsburg compare to neighboring areas?
Why are car insurance rates in Williamsburg different from other areas?
Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Total number of drivers in the area
- Off-street parking availability
- Road Safety (how many accidents each locality has)
- Local laws
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Williamsburg?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Williamsburg.
Williamsburg Insurance FAQs
What factors affect car insurance quotes in Williamsburg?
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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Williamsburg different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Williamsburg?
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 Williamsburg?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Williamsburg 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.