Cheapest Car Insurance Quotes in Dumfries

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Dumfries 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 Dumfries

The car insurance rate in Dumfries is $740 for a six-month policy, which is $102 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 Dumfries 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 Dumfries

$740

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Dumfries

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 Dumfries.

Dumfries Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dumfries, 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 $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dumfries drivers find the best deals.

Cheap Car Insurance Companies in Dumfries, 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
Nationwide	$607	$102
Erie	$647	$109
Travelers	$696	$117
State Farm	$738	$123
USAA	$799	$135
Farm Bureau	$862	$144
Mercury	$902	$152
Progressive	$1020	$171
Allstate	$1336	$227

Key Takeaways

Way's key takeaways about car insurance in Dumfries

The auto insurance costs in Dumfries fall around $427 for six months.
The cheapest auto insurance company in Dumfries is Virginia Farm Bureau.
Teen drivers pay the highest rate in Dumfries at $820 per month.

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Cheapest Minimum Liability Car Insurance in Dumfries

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 Dumfries are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Dumfries. Their Average 6 Month Premium is $179. Nationwide is the most expensive at $579 for the same period.

Cheapest Liability Coverage in Dumfries, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$179	$30
American Family	$200	$34
Cincinnati	$241	$41
Travelers	$262	$44
Auto-Owners Insurance Co	$269	$45
Mercury	$276	$46
Farm Bureau	$289	$49
USAA	$289	$49
Erie	$324	$55
State Farm	$351	$59
Progressive	$448	$74
Allstate	$579	$99
Nationwide	$579	$96

Cheapest Full Coverage Car Insurance in Dumfries

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

Cheapest Full Coverage Car Insurance Quotes in Dumfries, 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
Nationwide	$607	$102
Erie	$647	$109
Travelers	$696	$117
State Farm	$738	$123
USAA	$799	$135
Farm Bureau	$862	$144
Mercury	$902	$152
Progressive	$1020	$171
Allstate	$1336	$227

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Average Car Insurance in Dumfries 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 Dumfries, VA increasing?

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

Car Insurance Premiums by Age in Dumfries

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	$754
30s	Virginia Farm Bureau	$568
40s	USAA	$530
50s	USAA	$498
60s	USAA	$523
70s	USAA	$831

Cheapest Car Insurance Rates for Teen Drivers in Dumfries,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 Dumfries at $30 per month. At $4920 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
Farm Bureau	$227	$38
Mercury	$241	$41
American Family	$262	$44
Travelers	$269	$45
Auto-Owners Insurance Co	$310	$52
Erie	$1041	$175
USAA	$1343	$226
State Farm	$2391	$403
Nationwide	$3025	$505
Allstate	$3514	$597
Progressive	$4920	$820

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 Dumfries.

As young drivers face the highest rates in Dumfries, USAA offers the cheapest auto insurance rates at $754 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 Dumfries, 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 Dumfries is Nationwide, offering rates of around $490 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$255	$43
Virginia Farm Bureau	$269	$45
Travelers	$413	$68
Cincinnati	$441	$75
Nationwide	$490	$81

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Car Insurance Rates with An Accident in Dumfries

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

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

The cheapest car insurance companies after an at-fault accident in Dumfries 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
Farm Bureau	$324	$55
Travelers	$331	$56
Mercury	$365	$60
Electric	$441	$75
USAA	$621	$104
Erie	$689	$116
State Farm	$778	$131
Nationwide	$1317	$224
Progressive	$1750	$291
Allstate	$2260	$384
Encompass	$558	$95

Dumfries Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dumfries VA. For example, the car insurance in Dumfries 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.

Dumfries 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 Dumfries 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 Dumfries.

The cheapest car insurance premiums in Dumfries are offered by Virginia Farm Bureau at $220 for a six-month policy. However, it can be as expensive as $1895 with companies like Allstate.

Dumfries car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$220	$37
Mercury	$248	$42
Farm Bureau	$283	$48
Travelers	$365	$61
American Family	$393	$65
Auto-Owners Insurance Co	$427	$73
State Farm	$834	$140
USAA	$937	$158
Progressive	$1434	$239
Erie	$1467	$249
Nationwide	$1612	$269
Allstate	$1895	$322

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 Dumfries are offered by Mercury at $255. However, it can be as expensive as $345 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Dumfries 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	$296	$50
Erie	$324	$55
State Farm	$345	$58

Car Insurance Price Trends in Dumfries, Virginia

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

The average cost of full coverage in the Dumfries rose by $104 in December compared to $101 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 Dumfries rose to $53 in December, compared to $51 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dumfries?

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

What is the cheapest car insurance in Dumfries?

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

How much is car insurance in Dumfries 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 Dumfries?

The average cost of car insurance is $638 for a six-month policy. It will cost around $124 per month to insure your car in Dumfries.

Is car insurance expensive in Dumfries?

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

Cheapest Car Insurance Quotes in Dumfries

Why you can trust Way?

How Much Is Car Insurance in Dumfries

Avg. Car Insurance in Dumfries

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Dumfries

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Dumfries Car Insurance Rates by Company

Cheap Car Insurance Companies in Dumfries, VA

Way's key takeaways about car insurance in Dumfries

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dumfries

Cheapest Liability Coverage in Dumfries, VA

Cheapest Full Coverage Car Insurance in Dumfries

Cheapest Full Coverage Car Insurance Quotes in Dumfries, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dumfries by Rating Factor

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

Car Insurance Premiums by Age in Dumfries

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dumfries,VA

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

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 Dumfries

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

Dumfries Car Insurance Rates by Violation

Dumfries auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dumfries after a DUI

Dumfries car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dumfries after Speeding ticket

Car Insurance Price Trends in Dumfries, Virginia

Average Car Insurance Cost in Dumfries by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dumfries, VA

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

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