Age, Location and Vehicle-Type Affect Rates for Auto Insurance in Stafford VA

How much a person pays for auto insurance in Stafford VA depends o­n several factors, including age, marital status, and where an individual lives. While nothing can be done about the age of a driver, and few people will move just to lower their insurance premium, purchasing a vehicle that costs less to insure is a choice.


Insurance premiums are based in part on the price of the vehicle, which affects the replacement cost if it is stolen or is considered a total loss after being in an accident. How expensive the vehicle is to repair (including parts and labor) can also affect the cost. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.


Determining theft and injury rates on certain vehicle types


The Highway Loss Data Institute (HLDI) provides information on injury claims, collision repair costs, and theft rates by vehicle model industry wide. According to HLDI, the lowest injury claims are from larger vehicles, including certain cars, pickup trucks, and sport-utility vehicles. Small 2- and 4-door cars have the highest injury claims. Small cars, including sports cars, are among the highest in collision costs.


Purchasing a high-performance car can easily cost two or three times the insurance amount for a non-sporty model. Sport-utility vehicles (SUVs) often have higher insurance rates than mid- and full-size cars, but some SUV models can be relatively less expensive to insure. However, SUVs are among the most frequently stolen vehicles, and they are more expensive than most cars. SUVs can also cost more to fix after an accident if, for example, the 4-wheel-drive system is damaged.


Factors that we least control may have the greatest impact on insurance costs. Age, gender, and driving record are key factors that affect insurance premiums. Single males under the age of 25 often pay the highest rates. Statistics show they are involved in the most accidents, so insurance companies charge young men higher premiums than women of the same age.


Married men, who statistically have fewer accidents, pay less than single men. Anyone convicted of moving traffic violations or of causing an accident will likely pay more for a Stafford Va auto insurance policy no matter what their age. Drivers with clean records (no tickets, no accidents) generally pay the lowest rates. Where a person lives also plays a big role in how much is paid. Urban areas, with their greater population densities and heavier traffic, get higher rates than rural areas.

photo credit: Tom Wolf | Photography cc