Cheapest Car Insurance Quotes in West Falls Church

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West Falls Church Car Insurance

^$ 31

/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 West Falls Church

The car insurance rate in West Falls Church is $753 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 $434, making it a popular choice for budget-conscious drivers. Rates in West Falls Church 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 West Falls Church

$753

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in West Falls Church

1st place: Virginia Farm Bureau

At $434 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 $532 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 $539 for six months, making it the third cheapest auto insurance company in West Falls Church.

West Falls Church Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Falls Church, VA is Virginia Farm Bureau, offering policies at just $434 for a six-month term. This is followed by American Family, which has an average six-month premium of $532.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1359 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Falls Church drivers find the best deals.

Cheap Car Insurance Companies in West Falls Church, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$434	$74
American Family	$532	$89
Auto-Owners Insurance Co	$539	$92
Cincinnati	$546	$91
Nationwide	$617	$104
Erie	$658	$111
Travelers	$708	$119
State Farm	$750	$125
USAA	$813	$137
Farm Bureau	$877	$146
Mercury	$918	$155
Progressive	$1037	$173
Allstate	$1359	$231

Key Takeaways

Way's key takeaways about car insurance in West Falls Church

The auto insurance costs in West Falls Church fall around $434 for six months.
The cheapest auto insurance company in West Falls Church is Virginia Farm Bureau.
Teen drivers pay the highest rate in West Falls Church at $834 per month.

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Cheapest Minimum Liability Car Insurance in West Falls Church

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 West Falls Church are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in West Falls Church. Their Average 6 Month Premium is $182. Nationwide is the most expensive at $589 for the same period.

Cheapest Liability Coverage in West Falls Church, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$182	$31
American Family	$203	$34
Cincinnati	$245	$41
Travelers	$267	$45
Auto-Owners Insurance Co	$274	$46
Mercury	$281	$47
Farm Bureau	$294	$50
USAA	$294	$50
Erie	$329	$55
State Farm	$358	$60
Progressive	$455	$76
Allstate	$589	$100
Nationwide	$589	$98

Cheapest Full Coverage Car Insurance in West Falls Church

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 West Falls Church is Virginia Farm Bureau at $74 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Falls Church, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$434	$74
American Family	$532	$89
Auto-Owners Insurance Co	$539	$92
Cincinnati	$546	$91
Nationwide	$617	$104
Erie	$658	$111
Travelers	$708	$119
State Farm	$750	$125
USAA	$813	$137
Farm Bureau	$877	$146
Mercury	$918	$155
Progressive	$1037	$173
Allstate	$1359	$231

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Average Car Insurance in West Falls Church 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 West Falls Church, VA increasing?

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

Car Insurance Premiums by Age in West Falls Church

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	$767
30s	Virginia Farm Bureau	$578
40s	USAA	$539
50s	USAA	$506
60s	USAA	$532
70s	USAA	$845

Cheapest Car Insurance Rates for Teen Drivers in West Falls Church,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 West Falls Church at $31 per month. At $5004 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	$182	$31
Farm Bureau	$231	$39
Mercury	$245	$41
American Family	$267	$45
Travelers	$274	$46
Auto-Owners Insurance Co	$315	$53
Erie	$1058	$178
USAA	$1366	$230
State Farm	$2432	$409
Nationwide	$3077	$513
Allstate	$3574	$608
Progressive	$5004	$834

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 West Falls Church.

As young drivers face the highest rates in West Falls Church, USAA offers the cheapest auto insurance rates at $767 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 West Falls Church, Mercury is the cheapest car insurance provider. At $260 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 West Falls Church is Nationwide, offering rates of around $498 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
Virginia Farm Bureau	$274	$46
Travelers	$420	$70
Cincinnati	$448	$77
Nationwide	$498	$83

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Car Insurance Rates with An Accident in West Falls Church

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 West Falls Church, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Falls Church

The cheapest car insurance companies after an at-fault accident in West Falls Church include AutoOwners Insurance Co and Virginia Farm Bureau, offering $253 and $253, respectively. Encompass is an expensive provider with an average six-month premium of $568.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$253	$42
Virginia Farm Bureau	$253	$42
American Family	$267	$45
Cincinnati	$322	$54
Farm Bureau	$329	$55
Travelers	$336	$57
Mercury	$372	$61
Electric	$448	$77
USAA	$631	$106
Erie	$701	$118
State Farm	$792	$133
Nationwide	$1339	$228
Progressive	$1781	$296
Allstate	$2299	$391
Encompass	$568	$97

West Falls Church Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Falls Church VA. For example, the car insurance in West Falls Church after a DUI increases to $1107 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

West Falls Church auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1108	$184
One Med/PIP claim	$1108	$189
Not-at-fault accident	$1149	$191
Two Med/PIP claims	$1185	$202
One comp claim	$1199	$199
Two comp claims	$1254	$214
Failure to show documents	$1261	$210
Driving without lights	$1283	$218
Child safety restraint	$1290	$215
Driving with expired registration	$1304	$222
Failure to wear a seat belt	$1318	$219
Cell phone violation	$1332	$227
Driving too slowly	$1332	$222
Failure to yield	$1332	$227
Speeding in school zone	$1332	$222
Texting while driving	$1332	$227
Wrong way/wrong lane	$1332	$222
Failure to stop at a red light	$1339	$228
Following too closely	$1339	$223
Illegal turn	$1339	$228
Improper passing	$1339	$223
Speeding 6 - 10 MPH over limit	$1339	$228
Speeding 16 - 20 MPH over limit	$1352	$225
Speeding 11 - 15 MPH over limit	$1359	$231
Passing school bus	$1402	$234
In 65 MPH zone	$1451	$247
Open container	$1471	$245
Speeding 21 - 25 MPH over limit	$1471	$250
At-fault accident - less than $1000	$1514	$253
Operating a vehicle without permission	$1626	$276
At-fault accident - $1000-$2000	$1647	$275
At-fault accident - greater than $2000	$1647	$280
Reckless driving	$2005	$334
Racing	$2152	$366
DUI	$2215	$369
Refusal to submit to a chemical test	$2215	$376
Driving with a suspended license	$2327	$388
Leaving scene of an accident/hit and run	$2327	$395

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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 West Falls Church 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 West Falls Church.

The cheapest car insurance premiums in West Falls Church are offered by Virginia Farm Bureau at $224 for a six-month policy. However, it can be as expensive as $1928 with companies like Allstate.

West Falls Church car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$224	$38
Mercury	$253	$42
Farm Bureau	$288	$48
Travelers	$372	$63
American Family	$400	$66
Auto-Owners Insurance Co	$434	$74
State Farm	$848	$143
USAA	$953	$160
Progressive	$1458	$243
Erie	$1493	$254
Nationwide	$1640	$274
Allstate	$1928	$328

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 West Falls Church are offered by Mercury at $260. However, it can be as expensive as $350 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in West Falls Church after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$260	$44
Virginia Farm Bureau	$267	$45
American Family	$274	$46
Auto-Owners Insurance Co	$281	$47
Cincinnati	$281	$47
Travelers	$301	$51
Erie	$329	$55
State Farm	$350	$59

Car Insurance Price Trends in West Falls Church, Virginia

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

The average cost of full coverage in the West Falls Church rose by $106 in December compared to $103 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 West Falls Church rose to $54 in December, compared to $52 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 West Falls Church?

The car insurance in West Falls Church is $31 per month, which is lower than the national average.

What is the cheapest car insurance in West Falls Church?

The cheapest car insurance in West Falls Church is $74 per month for full coverage.

How much is car insurance in West Falls Church for teenagers?

Car insurance for teenagers costs $182 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 West Falls Church?

The average cost of car insurance is $638 for a six-month policy. It will cost around $126 per month to insure your car in West Falls Church.

Is car insurance expensive in West Falls Church?

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

Cheapest Car Insurance Quotes in West Falls Church

Why you can trust Way?

How Much Is Car Insurance in West Falls Church

Avg. Car Insurance in West Falls Church

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in West Falls Church

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

West Falls Church Car Insurance Rates by Company

Cheap Car Insurance Companies in West Falls Church, VA

Way's key takeaways about car insurance in West Falls Church

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Falls Church

Cheapest Liability Coverage in West Falls Church, VA

Cheapest Full Coverage Car Insurance in West Falls Church

Cheapest Full Coverage Car Insurance Quotes in West Falls Church, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Falls Church by Rating Factor

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

Car Insurance Premiums by Age in West Falls Church

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Falls Church,VA

If you are in your twenties USAA is the best choice for car insurance in West Falls Church.

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 West Falls Church

Cheapest Car Insurance Companies after an At-Fault Accident in West Falls Church

West Falls Church Car Insurance Rates by Violation

West Falls Church auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Falls Church after a DUI

West Falls Church car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Falls Church after Speeding ticket

Car Insurance Price Trends in West Falls Church, Virginia

Average Car Insurance Cost in West Falls Church by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Falls Church, VA

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

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