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.

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.

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”.

 

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.

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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

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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

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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

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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

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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

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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

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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

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