Arlington, VA Car Insurance

What rates can residents of Arlington expect to pay for their car insurance? How does Arlington compare to the surrounding area and the rest of Virginia? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Arlington?

Based on the chart above, you can see that auto insurance rates in Arlington are in line with rates across the rest of Virginia.

If you're thinking of moving to Arlington from out of state, you may still be in luck. It's about $21 cheaper than the national average to insure your vehicle in Arlington.

Bear in mind that while these are the average car insurance rates for Arlington, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Arlington to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Arlington.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto coverage, the difference in Arlington is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Arlington, a driving record with a single accident will usually get you a rate around $69 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $61.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Arlington, with drivers paying around $53 per month for auto insurance coverage.

Car owners can expect to pay an average of around $61 a month for their policy, while SUVs usually cost around $57 a month to insure.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Arlington, vehicles less than one year old are the most expensive to insure.

Your rates can also vary depending on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Arlington, for example, are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Generally speaking, people who are 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.

While married drivers normally pay less than single drivers, in Arlington both groups pay about the same rate.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your housing situation. In Arlington, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Arlington, VA

Recent trends in car insurance for Arlington 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 cost of auto insurance in Arlington declined from 2017-2018, when it hit a low of $51. This pattern changed in 2019, when it began to rise, and has continued moving in that direction through the present, where rates reached a high of $68 a month.

How does Arlington compare to neighboring areas?

Why are car insurance rates in Arlington different from other areas?

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Local crime rates
• Road Safety (total number of local car accidents)
• Local regulations
• Number of drivers in the area
• Off-street parking access

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. 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 Arlington?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Arlington.

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Arlington Insurance FAQs

What factors affect car insurance quotes in Arlington?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Arlington different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Arlington?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Arlington?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

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 Arlington 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.