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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 $16 a month more expensive to insure your vehicle in Woodbridge than it is in the rest of Virginia.
On the flip side, when compared to the national average, the cost for auto insurance in Woodbridge is lower. Auto insurance coverage in Woodbridge is about $4 cheaper than it is for the rest of the U.S.
While these are the average car insurance rates for Woodbridge, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Woodbridge so that you can get a more accurate idea of what you might pay. 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!
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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? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Woodbridge.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for auto insurance in Woodbridge, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Woodbridge, drivers with one accident on their record will experience rates around $102 a month. Similarly, drivers with one ticket will typically pay around $85 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$81|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Woodbridge, with drivers paying around $70 per month for auto insurance.
SUV drivers will see rates of about $78, while the rates for car owners average out to about $77 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Woodbridge, 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)||$82|
More often than not, married policyholders will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
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 $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your living situation is another component of how insurance companies calculate your monthly rate. Drivers who own property in Woodbridge can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
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 choosing an insurance provider.
The cost of car insurance in Woodbridge increased from 2017-2018, before leveling out in 2019. They had been increasing again, reaching a high of $99 in 2021, and finished down at $82 in 2022.
How does Woodbridge compare to neighboring areas?
Why are car insurance rates in Woodbridge different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Total amount of drivers in the area
- Road Safety (how many accidents each locality has)
- Off-street parking access
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Woodbridge?
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. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Woodbridge.
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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 age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Woodbridge different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
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 however, 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?
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 Woodbridge 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?
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