Cheapest Car Insurance Quotes in Cumberland

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Cumberland Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cumberland

The car insurance rate in Cumberland is $702 for a six-month policy, which is $64 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $405, making it a popular choice for budget-conscious drivers. Rates in Cumberland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cumberland

$702

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Cumberland

1st place: Virginia Farm Bureau

At $405 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $496 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $503 for six months, making it the third cheapest auto insurance company in Cumberland.

Cumberland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cumberland, VA is Virginia Farm Bureau, offering policies at just $405 for a six-month term. This is followed by American Family, which has an average six-month premium of $496.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1267 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cumberland drivers find the best deals.

Cheap Car Insurance Companies in Cumberland, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$405	$69
American Family	$496	$83
Auto-Owners Insurance Co	$503	$86
Cincinnati	$509	$85
Nationwide	$575	$97
Erie	$614	$103
Travelers	$660	$111
State Farm	$700	$117
USAA	$758	$128
Farm Bureau	$817	$136
Mercury	$856	$144
Progressive	$967	$162
Allstate	$1267	$216

Key Takeaways

Way's key takeaways about car insurance in Cumberland

The auto insurance costs in Cumberland fall around $405 for six months.
The cheapest auto insurance company in Cumberland is Virginia Farm Bureau.
Teen drivers pay the highest rate in Cumberland at $778 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Cumberland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cumberland are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Cumberland. Their Average 6 Month Premium is $169. Nationwide is the most expensive at $549 for the same period.

Cheapest Liability Coverage in Cumberland, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$169	$29
American Family	$189	$32
Cincinnati	$229	$39
Travelers	$249	$42
Auto-Owners Insurance Co	$255	$43
Mercury	$262	$44
Farm Bureau	$274	$46
USAA	$274	$46
Erie	$307	$52
State Farm	$333	$56
Progressive	$425	$70
Allstate	$549	$94
Nationwide	$549	$91

Cheapest Full Coverage Car Insurance in Cumberland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cumberland is Virginia Farm Bureau at $69 per month and $405 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cumberland, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$405	$69
American Family	$496	$83
Auto-Owners Insurance Co	$503	$86
Cincinnati	$509	$85
Nationwide	$575	$97
Erie	$614	$103
Travelers	$660	$111
State Farm	$700	$117
USAA	$758	$128
Farm Bureau	$817	$136
Mercury	$856	$144
Progressive	$967	$162
Allstate	$1267	$216

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Average Car Insurance in Cumberland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cumberland, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Cumberland, Virginia, may be increasing due to several external factors. Virginia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cumberland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cumberland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$715
30s	Virginia Farm Bureau	$539
40s	USAA	$503
50s	USAA	$472
60s	USAA	$496
70s	USAA	$788

Cheapest Car Insurance Rates for Teen Drivers in Cumberland,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Cumberland at $29 per month. At $4665 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$169	$29
Farm Bureau	$216	$36
Mercury	$229	$39
American Family	$249	$42
Travelers	$255	$43
Auto-Owners Insurance Co	$294	$50
Erie	$987	$166
USAA	$1274	$215
State Farm	$2267	$382
Nationwide	$2869	$479
Allstate	$3332	$567
Progressive	$4665	$778

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cumberland.

As young drivers face the highest rates in Cumberland, USAA offers the cheapest auto insurance rates at $715 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cumberland, Mercury is the cheapest car insurance provider. At $242 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cumberland is Nationwide, offering rates of around $464 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Virginia Farm Bureau	$255	$43
Travelers	$392	$65
Cincinnati	$418	$72
Nationwide	$464	$77

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Car Insurance Rates with An Accident in Cumberland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cumberland, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland

The cheapest car insurance companies after an at-fault accident in Cumberland include AutoOwners Insurance Co and Virginia Farm Bureau, offering $235 and $235, respectively. Encompass is an expensive provider with an average six-month premium of $529.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$235	$40
Virginia Farm Bureau	$235	$40
American Family	$249	$42
Cincinnati	$300	$51
Farm Bureau	$307	$52
Travelers	$314	$53
Mercury	$347	$57
Electric	$418	$72
USAA	$589	$99
Erie	$653	$110
State Farm	$738	$124
Nationwide	$1249	$212
Progressive	$1660	$276
Allstate	$2143	$364
Encompass	$529	$90

Cumberland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cumberland VA. For example, the car insurance in Cumberland after a DUI increases to $1032 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Cumberland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
One Med/PIP claim	$1033	$176
Not-at-fault accident	$1071	$178
Two Med/PIP claims	$1104	$188
One comp claim	$1118	$186
Two comp claims	$1169	$199
Failure to show documents	$1176	$196
Driving without lights	$1196	$204
Child safety restraint	$1202	$200
Driving with expired registration	$1216	$207
Failure to wear a seat belt	$1229	$205
Cell phone violation	$1242	$211
Driving too slowly	$1242	$207
Failure to yield	$1242	$211
Speeding in school zone	$1242	$207
Texting while driving	$1242	$211
Wrong way/wrong lane	$1242	$207
Failure to stop at a red light	$1249	$212
Following too closely	$1249	$208
Illegal turn	$1249	$212
Improper passing	$1249	$208
Speeding 6 - 10 MPH over limit	$1249	$212
Speeding 16 - 20 MPH over limit	$1261	$210
Speeding 11 - 15 MPH over limit	$1267	$216
Passing school bus	$1307	$218
In 65 MPH zone	$1353	$230
Open container	$1372	$229
Speeding 21 - 25 MPH over limit	$1372	$233
At-fault accident - less than $1000	$1411	$235
Operating a vehicle without permission	$1516	$257
At-fault accident - $1000-$2000	$1536	$256
At-fault accident - greater than $2000	$1536	$261
Reckless driving	$1869	$311
Racing	$2006	$341
DUI	$2065	$344
Refusal to submit to a chemical test	$2065	$351
Driving with a suspended license	$2169	$362
Leaving scene of an accident/hit and run	$2169	$369

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cumberland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cumberland.

The cheapest car insurance premiums in Cumberland are offered by Virginia Farm Bureau at $209 for a six-month policy. However, it can be as expensive as $1797 with companies like Allstate.

Cumberland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$209	$35
Mercury	$235	$40
Farm Bureau	$268	$45
Travelers	$347	$58
American Family	$373	$62
Auto-Owners Insurance Co	$405	$69
State Farm	$791	$133
USAA	$889	$150
Progressive	$1360	$227
Erie	$1392	$237
Nationwide	$1529	$255
Allstate	$1797	$306

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cumberland are offered by Mercury at $242. However, it can be as expensive as $327 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Cumberland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$242	$41
Virginia Farm Bureau	$249	$42
American Family	$255	$43
Auto-Owners Insurance Co	$262	$44
Cincinnati	$262	$44
Travelers	$281	$47
Erie	$307	$52
State Farm	$327	$55

Car Insurance Price Trends in Cumberland, Virginia

Car insurance rates in Cumberland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cumberland rose by $99 in December compared to $96 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Cumberland rose to $51 in December, compared to $48 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cumberland?

The car insurance in Cumberland is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Cumberland?

The cheapest car insurance in Cumberland is $69 per month for full coverage.

How much is car insurance in Cumberland for teenagers?

Car insurance for teenagers costs $169 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cumberland?

The average cost of car insurance is $638 for a six-month policy. It will cost around $118 per month to insure your car in Cumberland.

Is car insurance expensive in Cumberland?

Car insurance can be expensive in Cumberland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cumberland can be affordable.

Cheapest Car Insurance Quotes in Cumberland

Why you can trust Way?

How Much Is Car Insurance in Cumberland

Avg. Car Insurance in Cumberland

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Cumberland

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Cumberland Car Insurance Rates by Company

Cheap Car Insurance Companies in Cumberland, VA

Way's key takeaways about car insurance in Cumberland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cumberland

Cheapest Liability Coverage in Cumberland, VA

Cheapest Full Coverage Car Insurance in Cumberland

Cheapest Full Coverage Car Insurance Quotes in Cumberland, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cumberland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cumberland, VA increasing?

Car Insurance Premiums by Age in Cumberland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cumberland,VA

If you are in your twenties USAA is the best choice for car insurance in Cumberland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cumberland

Cheapest Car Insurance Companies after an At-Fault Accident in Cumberland

Cumberland Car Insurance Rates by Violation

Cumberland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cumberland after a DUI

Cumberland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cumberland after Speeding ticket

Car Insurance Price Trends in Cumberland, Virginia

Average Car Insurance Cost in Cumberland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cumberland, VA

Car Insurance Rates by State in the USA (2025 Update)

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