Cheapest Car Insurance Quotes in Dale City

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Dale City Car Insurance

^$ 30

/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 Dale City

The car insurance rate in Dale City is $831 for a six-month policy, which is $115 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Dale City 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 Dale City

$831

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Dale City

1st place: Virginia Farm Bureau

At $427 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 $523 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 $530 for six months, making it the third cheapest auto insurance company in Dale City.

Dale City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dale City, VA is Virginia Farm Bureau, offering policies at just $427 for a six-month term. This is followed by American Family, which has an average six-month premium of $523.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1784 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dale City drivers find the best deals.

Cheap Car Insurance Companies in Dale City, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$427	$73
American Family	$523	$87
Auto-Owners Insurance Co	$530	$90
Cincinnati	$537	$89
Travelers	$717	$121
Erie	$724	$122
USAA	$778	$131
Farm Bureau	$813	$137
Nationwide	$813	$137
Mercury	$902	$152
State Farm	$978	$165
Progressive	$1282	$216
Allstate	$1784	$300

Key Takeaways

Way's key takeaways about car insurance in Dale City

The auto insurance costs in Dale City fall around $427 for six months.
The cheapest auto insurance company in Dale City is Virginia Farm Bureau.
Teen drivers pay the highest rate in Dale City at $1022 per month.

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Cheapest Minimum Liability Car Insurance in Dale City

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 Dale City are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Dale City. Their Average 6 Month Premium is $179. Nationwide is the most expensive at $799 for the same period.

Cheapest Liability Coverage in Dale City, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$179	$30
American Family	$200	$34
Cincinnati	$241	$41
Auto-Owners Insurance Co	$269	$45
Mercury	$276	$46
Travelers	$283	$48
USAA	$296	$50
Farm Bureau	$303	$51
Erie	$338	$57
State Farm	$427	$72
Progressive	$628	$106
Allstate	$751	$126
Nationwide	$799	$135

Cheapest Full Coverage Car Insurance in Dale City

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 Dale City is Virginia Farm Bureau at $73 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dale City, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$427	$73
American Family	$523	$87
Auto-Owners Insurance Co	$530	$90
Cincinnati	$537	$89
Travelers	$717	$121
Erie	$724	$122
USAA	$778	$131
Farm Bureau	$813	$137
Nationwide	$813	$137
Mercury	$902	$152
State Farm	$978	$165
Progressive	$1282	$216
Allstate	$1784	$300

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Average Car Insurance in Dale City 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 Dale City, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Dale City, 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, Dale City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Dale City

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	$761
30s	Virginia Farm Bureau	$573
40s	USAA	$535
50s	USAA	$502
60s	USAA	$529
70s	USAA	$838

Cheapest Car Insurance Rates for Teen Drivers in Dale City,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 Dale City at $30 per month. At $6070 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	$179	$30
Mercury	$241	$41
American Family	$262	$44
Auto-Owners Insurance Co	$310	$52
Travelers	$902	$152
Farm Bureau	$944	$159
Erie	$1296	$218
USAA	$1523	$256
State Farm	$2852	$480
Nationwide	$4382	$738
Allstate	$4403	$741
Progressive	$6070	$1022

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 Dale City.

As young drivers face the highest rates in Dale City, USAA offers the cheapest auto insurance rates at $761 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 Dale City, Mercury is the cheapest car insurance provider. At $255 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 Dale City is State Farm, offering rates of around $4748 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Virginia Farm Bureau	$269	$45
Cincinnati	$441	$73
Travelers	$909	$153
Nationwide	$1254	$211
USAA	$1303	$222
Farm Bureau	$1488	$248
Erie	$2046	$348
Progressive	$2480	$413
Allstate	$2707	$461
State Farm	$4748	$791

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Dale City.

Car Insurance Rates with An Accident in Dale City

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 Dale City, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dale City

The cheapest car insurance companies after an at-fault accident in Dale City include AutoOwners Insurance Co and Virginia Farm Bureau, offering $248 and $248, respectively. Encompass is an expensive provider with an average six-month premium of $558.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$248	$42
Virginia Farm Bureau	$248	$42
American Family	$262	$44
Cincinnati	$317	$53
Mercury	$365	$60
Electric	$441	$75
Travelers	$523	$88
Farm Bureau	$647	$109
USAA	$731	$123
Erie	$855	$144
State Farm	$889	$150
Nationwide	$1826	$307
Progressive	$2067	$348
Allstate	$3818	$643
Encompass	$558	$95

Dale City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dale City VA. For example, the car insurance in Dale City after a DUI increases to $1088 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Dale City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1089	$186
Not-at-fault accident	$1130	$188
Two Med/PIP claims	$1165	$198
One comp claim	$1179	$196
Two comp claims	$1233	$210
Failure to show documents	$1240	$206
Driving without lights	$1261	$215
Child safety restraint	$1268	$211
Driving with expired registration	$1282	$218
Failure to wear a seat belt	$1296	$216
Cell phone violation	$1310	$223
Driving too slowly	$1310	$218
Failure to yield	$1310	$223
Speeding in school zone	$1310	$218
Texting while driving	$1310	$223
Wrong way/wrong lane	$1310	$218
Failure to stop at a red light	$1317	$224
Following too closely	$1317	$219
Illegal turn	$1317	$224
Improper passing	$1317	$219
Speeding 6 - 10 MPH over limit	$1317	$224
Speeding 16 - 20 MPH over limit	$1329	$222
Speeding 11 - 15 MPH over limit	$1336	$227
Passing school bus	$1378	$230
In 65 MPH zone	$1427	$242
Open container	$1447	$241
Speeding 21 - 25 MPH over limit	$1447	$246
At-fault accident - less than $1000	$1488	$248
Operating a vehicle without permission	$1598	$271
At-fault accident - $1000-$2000	$1619	$270
At-fault accident - greater than $2000	$1619	$275
Reckless driving	$1971	$328
Racing	$2116	$360
DUI	$2177	$363
Refusal to submit to a chemical test	$2177	$370
Driving with a suspended license	$2288	$382
Leaving scene of an accident/hit and run	$2288	$389

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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 Dale City 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 Dale City.

The cheapest car insurance premiums in Dale City are offered by Virginia Farm Bureau at $220 for a six-month policy. However, it can be as expensive as $2597 with companies like Allstate.

Dale City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$220	$37
Mercury	$248	$42
American Family	$393	$65
Auto-Owners Insurance Co	$427	$73
Travelers	$654	$110
Farm Bureau	$675	$114
USAA	$1102	$186
State Farm	$1406	$237
Erie	$1654	$278
Progressive	$1771	$298
Nationwide	$2343	$394
Allstate	$2597	$437

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 Dale City are offered by Mercury at $255. However, it can be as expensive as $2852 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dale City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Virginia Farm Bureau	$262	$44
American Family	$269	$45
Auto-Owners Insurance Co	$276	$46
Cincinnati	$276	$46
Travelers	$544	$92
Erie	$661	$111
State Farm	$827	$139
USAA	$896	$152
Farm Bureau	$965	$161
Nationwide	$1908	$325
Progressive	$2006	$334
Allstate	$2852	$485

Car Insurance Price Trends in Dale City, Virginia

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

The average cost of full coverage in the Dale City rose by $190 in January compared to $104 of December. In other words, there has been an increase by $86 when you compare January and December.

The average cost of liability insurance in the Dale City rose to $64 in January, compared to $53 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Dale City?

The car insurance in Dale City is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Dale City?

The cheapest car insurance in Dale City is $73 per month for full coverage.

How much is car insurance in Dale City for teenagers?

Car insurance for teenagers costs $179 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 Dale City?

The average cost of car insurance is $716 for a six-month policy. It will cost around $139 per month to insure your car in Dale City.

Is car insurance expensive in Dale City?

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

Cheapest Car Insurance Quotes in Dale City

Why you can trust Way?

How Much Is Car Insurance in Dale City

Avg. Car Insurance in Dale City

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Dale City

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Dale City Car Insurance Rates by Company

Cheap Car Insurance Companies in Dale City, VA

Way's key takeaways about car insurance in Dale City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dale City

Cheapest Liability Coverage in Dale City, VA

Cheapest Full Coverage Car Insurance in Dale City

Cheapest Full Coverage Car Insurance Quotes in Dale City, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dale City by Rating Factor

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

Car Insurance Premiums by Age in Dale City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dale City,VA

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

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 Dale City

Cheapest Car Insurance Companies after an At-Fault Accident in Dale City

Dale City Car Insurance Rates by Violation

Dale City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dale City after a DUI

Dale City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dale City after Speeding ticket

Car Insurance Price Trends in Dale City, Virginia

Average Car Insurance Cost in Dale City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dale City, VA

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

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