Table of contents
How much is car insurance in Yorktown?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Yorktown as it does in the rest of Virginia.
Likewise, the expected monthly payments for an auto insurance policy in Yorktown are below the national average. It's around $22 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for Yorktown, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
We've analyzed the average rate for Yorktown and broken down the different factors to help you understand what your policy's monthly premium will be. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement age in Yorktown.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Yorktown, the difference is around $4 per month. As you can see in the chart above, car insurance for women in the area typically costs around $57 each month, while men pay $61 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Yorktown, a driving record with a single accident will usually get you a rate around $84 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $79.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$59|
In Yorktown, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $57 per month for insurance coverage.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $62 a month to insure.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Yorktown are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Yorktown can be as much as $10 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||$68|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than those who own their own home in Yorktown. 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 Yorktown, VA
Recent trends in car insurance for Yorktown drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Yorktown had been decreasing from 2017-2020, when they hit a low of $51. Insurance rates started to rise in 2021, and this pattern has continued through 2022, when rates have most recently reached $65.
How does Yorktown compare to neighboring areas?
Why are car insurance rates in Yorktown 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. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Rate of crime
- Road Safety (total number of local car accidents)
- Total number of drivers
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Yorktown?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com has you covered. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Yorktown in no time.
Yorktown Insurance FAQs
What factors affect car insurance quotes in Yorktown?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Yorktown different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Yorktown?
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 Yorktown?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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. 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 Yorktown 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?