Alexandria Auto Insurance Rates, Quotes, Agents & Reviews in VA

Alexandria, VA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Alexandria, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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The Cost of Insuring Your Car in Alexandria, VA, is $1,057

The average cost of auto insurance in Alexandria, VA, according to Zimlon, is $1,057. This is much higher than the average cost of auto insurance in neighboring places such as Belle Haven, Lincolnia, Rose Hill, and Huntington. Residents of Alexandria can improve savings by comparing multiple auto insurance quotes. Auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.

the_cost_of_insuring_your_car_in_alexandria_va

Insurance Requirements in Virginia:

  • Bodily Injury: $25,000 per person and $50,000 per accident

  • Property Damage: $20,000 per accident

  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident

Demographics:

The cost of auto insurance depends on the age and gender of the driver. Women are generally considered to be safe drivers, making auto insurance cheaper for them. As the above infographic indicates, auto insurance is most affordable for drivers who are in their fifties and sixties ($932 and $945). Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Alexandria is $3,430.

Deductible:

Deductibles are one of the most common factors affecting the rate of auto insurance in the country, and Alexandria is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance for a low deductible ($500) is $1,961. This goes down to $1,656 when the deductible is higher ($1,000).

Neighborhood:

The neighborhood one lives in Alexandria can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors such as the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within the city 

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Alexandria’s cost of auto insurance. Post-DUI, the average cost of auto insurance increases to $1,725. Driving without a proper license can increase the average cost of auto insurance by $712.

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing a good credit score will reduce the cost of auto insurance for the car owner. The average cost of auto insurance when the credit score is “exceptional”, can be as low as $907, while it can shoot up to $1,724 if the credit score is “poor”.

 

Auto Insurance Rates in Alexandria, VA

The average cost of car insurance in Alexandria, VA is $1057 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.

Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Alexandria, VA can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Alexandria car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Alexandria this difference is  $1961 and $1656 respectively.

Auto Insurance Cost in Alexandria Based on deductibles in nearby cities 

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Multi Car Insurance Rates

Alexandria, VA car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Alexandria car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Alexandria , insurance companies provide $275 and $412 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $550 on auto insurance by bundling 4 vehicles in Alexandria.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history. According to Zimlon’s analysis in Alexandria car owners with a good credit score with 800 or more pay only upto $907 for insurance whereas those who are low on the totem pole may end up paying considerably more at $1724.

Based on age of the car owner 

Teenagers and young residents of Alexandria  pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Alexandria is $3430  while 30-50 year olds can expect to find cheaper rates at less than $1046-$932 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.

Factors that can influence the cost of car insurance in Alexandria, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Alexandria, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Alexandria, VA with that of other cities in and around Alexandria.

Alexandria Belle Haven Lincolnia Rose Hill Huntington Arlington
Average Insurance Rates $1,057 $1,037 $1,026 $1,030 $995 $1,096

Alexandria, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Alexandria, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Alexandria $1,961 $1,656
Huntington $1,857 $1,569
Rose Hill $1,832 $1,548
Belle Haven $1,757 $1,484
Bailey's Crossroads $1,911 $1,614
Lincolnia $1,748 $1,476
Arlington $2,045 $1,727

Alexandria, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Alexandria, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,430
20 Years $1,358
30 Years $1,046
40 Years $1,006
50 Years $932
60 Years $945
70 Years $1,100

Alexandria, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Alexandria, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,839 $275
3 Vehicles $2,759 $412
4 Vehicles $3,678 $550

Savings on 2 Vehicles bundle:$275

Savings on 3 Vehicles bundle:$412

Savings on 4 Vehicles bundle:$550


Alexandria, VA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alexandria, VA.

Location Average Insurance Cost Post DUI Insurance Rate
Alexandria $1,057 $1,725
Huntington $995 $1,624
Rose Hill $1,030 $1,681
Belle Haven $1,037 $1,693
Bailey's Crossroads $986 $1,609
Lincolnia $1,026 $1,675
Arlington $1,096 $1,789

Alexandria, VA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $907
Excellent (740-799) $1,035
Good (670-739) $1,101
Average (580-669) $1,437
Poor (300-579) $1,724

Alexandria, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,104
Driver's Failure In Showing Documents +$103 $1,160
Driving With An Expired Registration +$109 $1,166
Driving At A Considerably Slow Pace +$229 $1,286
Using A Cellphone While Driving +$242 $1,299
Running A Red Light +$246 $1,303
Speeding +$259 $1,316
Driving A Vehicle Without The Required Permission +$329 $1,386
Driving With An Expired/Suspended License +$712 $1,769

Alexandria, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,015
Active Disabling Device $1,015
Tracking Device $994
Passive Disabling Device $983

Latest Auto Insurance Reviews in Alexandria, VA | Back to Top

Usaa
They offer easy to deal with customer service. It is easy to submit a claim and you are paid quickly.
Progressive
The deductible I have is high, I wont lie, but that's because I have the basic plan. I'm sure a premium plan would offer a lower delectable.
Geico
I came from USAA before Geico. They offer pretty much the same policies, but Geico's web site and mobile app are significantly easier to use. They did suggest I insure my bike for a much higher amount.
Farmer's Insurance
I would recommend this insurance for someone for their personal coverage. I would have to give the company a good rating.
Mercury
Mercury is always easy to contact, and is open when it is convenient for me. Their customer service representatives are friendly and knowledgeable.
Mercury
Mercury is always easy to contact, and is open when it is convenient for me. Their customer service representatives are friendly and knowledgeable.
Usaa
My company offers a wide array of policies for any budget. You can easily change coverage amounts and deductibles to calculate a new premium to fit your needs
State Farm
Other companies want you to call a generic call center for any issue for a higher price, and that just is not ideal - I'd rather work with one or two people who know who I am.
Nationwide
I dislike the customer service because they are rude. Even though they are local and I try to support local companies, they are extremely rude in handling any questions or claims.
Haulers Insurance
Slow response for roadside assistance to get to the site where you need help. Website has no area where you can change the policy yourself you have to call in to make changes to the policy.
Union Mutual
This company was one of the cheapest but most cost efficient choices that one can make when it comes to making an auto insurance purchase.
Progressive
I find that my company is readily available any time I need assistance. Their customer support is fantastic on all aspects. If I have questions they are answered right then
Geico
It gives great deductions for contributing to society. It makes the price a lot cheaper
Geico
Every year I check out the others to see if things have changed in the past year. I do this over Xmas vacation, for car, credit cards and internet connection, for best price. GEICO always is the best price BY FAR AND AWAY. Nothing comes close. Zero nada.