What can Glen Allen residents expect to pay for their car insurance? How does Glen Allen stack up to the rest of the area, or even Virginia as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
Table of contents
How much is car insurance in Glen Allen?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Glen Allen | $51 |
| Virginia | $57 |
| United States | $70 |
As you can see in the chart above, it is around $6 a month cheaper to insure your vehicle in Glen Allen than it is in the rest of Virginia.
If you’re thinking of moving to Glen Allen from out of state, you may still be in luck. It’s around $19 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these numbers are the average rates for car insurance in Glen Allen, that doesn’t mean it’s what you’ll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you’ll be asked to pay each month.
But don’t worry, we’ve broken down the average rate for Glen Allen residents based on several different factors 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 and find out in just minutes!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | - |
| 18-24 | $90 |
| 25-34 | $49 |
| 35-44 | $42 |
| 45-54 | $44 |
| 55-64 | $38 |
| 65+ | $43 |
Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay over twice as much as someone who is retirement age.
For every 10 years, you can expect to see around a 10% drop to your monthly premium. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $52 |
| Female | $50 |
In general, women pay slightly less for car insurance than men. The difference in Glen Allen is around $2 a month. As you can see in the chart above, car insurance for women in the area typically pay around $50 each month, while men pay $52 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $65 |
| Multiple Accidents | $56 |
| 1 Ticket | $59 |
| Multiple Tickets | $44 |
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. In Glen Allen, a driving record with one accident will usually get you a rate around $65 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.
Accidents, ticketsand other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 year | $53 |
| 2-3 years | $45 |
| 4-5 years | Not enough data |
| 6-7 years | $40 |
| 8-10 years | $51 |
| 11-14 years | $48 |
| 15 years or older | $55 |
If you look at the first table above, you’ll see that trucks and vans are usually the cheapest vehicle to insure in Glen Allen.
Cars can expect to pay an average of around $86 a month for their policy, while SUVs are usually around $71 to insure each month.
Trucks and vans typically pay around $27 a month for their policy, while other vehicles run the highest, at $81 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. New cars will generally be cheaper to insure than ones that you buy used. However, once your car is paid off and more than 5 years old, you may start to see your rates drop back down a bit. However, the most expensive cars to insure in Glen Allen are vehicles 15 years old or older.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $57 |
| Married | $41 |
| Divorced | $37 |
| Widowed | $26 |
Generally, those who have “settled down” into marriage will pay slightly less for their car insurance. This usually boils down to having multiple vehicles on the same policy, which many companies offer special discounts for.
As you can see, the difference in rates based on relationship status can be as much as $20 a month, so it’s worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $39 |
| Rent | $48 |
| Live with Parents | $86 |
Another factor that comes into play is your living situation. If you rent your home or apartment in Glen Allen, expect to pay around $9 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
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.
Car Insurance Companies in Glen Allen, VA
Recent trends in car insurance for Glen Allen 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.
In Glen Allen, rates had been slowly rising from 2015-2017, until taking a slight drop in 2018. The that trend continued for the next two years, with rates dropping more dramatically in 2020.
How does Glen Allen compare to neighboring areas?
Why are car insurance rates in Glen Allen different from other areas?
Car insurance companies look at a lot of factors when they’re deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Number of drivers in the area
- Road safety (how many accidents each locality has)
- Crime rates
- Local laws
- Off-street parking access
You can’t change these factors yourself, but they’re something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
Methodology: All of the figures in this article were calculated using a sample of at least 500 car insurance quotes collected by Compare.com from 01/01/2019 to 12/31/2019.
How can I find the cheapest car insurance in Glen Allen?
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.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP code below, answer a few questions related to the factors we outlined above, and you’ll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Glen Allen.
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Glen Allen Car Insurance FAQs
What factors affect car insurance quotes in Glen Allen?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Glen Allen different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Glen Allen?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Glen Allen?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Glen Allen 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.
