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How much is car insurance in Woodbridge?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $13 a month more expensive to insure your vehicle in Woodbridge than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Woodbridge. Car insurance rates for the United States as a whole are, on average, $8 more expensive than the rates you'd pay in Woodbridge.
Keep in mind that while these are the average car insurance rates for Woodbridge, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Woodbridge residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, 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|
The more time you've spent on the road, the more experience you have. When it comes to car insurance premiums, that experience can really pay off. 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 about once a decade or so. Once you hit retirement age, however, your rates may begin to increase again in Woodbridge.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Woodbridge, however, men actually pay a bit less than female drivers for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Woodbridge with a single accident on their record is about $83 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$76|
|15 Years or Older||$74|
In Woodbridge, the cheapest vehicles to insure are usually cars, with drivers paying around $71 per month for auto insurance.
SUV owners can expect to pay an average of around $74 a month for their policy, while truck and van drivers are usually around $72 to insure each month.
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, your rates may start to decrease if your car is a few years old. In Woodbridge, for example, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Woodbridge reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Woodbridge can expect to pay around $13 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Woodbridge, VA
Recent trends in car insurance for Woodbridge drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding choosing when and where to shop.
In Woodbridge, car insurance rates dropped from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $75 per month
How does Woodbridge compare to neighboring areas?
Why are car insurance rates in Woodbridge different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Availability of off-street parking
- Road Safety (total number of local car accidents)
- Total number of drivers in the region
- Local laws
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. 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 Woodbridge?
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. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Woodbridge.
Woodbridge Insurance FAQs
What factors affect car insurance quotes in Woodbridge?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Woodbridge different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Woodbridge?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Woodbridge?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Woodbridge or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.