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Finding the cheapest car insurance quotes in West Mclean shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Mclean
The car insurance rate in West Mclean is $734 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $423, making it a popular choice for budget-conscious drivers. Rates in West Mclean 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.
At $423 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 $519 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 $526
for six months, making it
the third cheapest auto insurance company in West Mclean.
West Mclean Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in West Mclean, VA is Virginia Farm Bureau, offering policies at just $423 for a six-month term. This is followed by American Family, which has an average six-month premium of $519.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Mclean drivers find the best deals.
Way's key takeaways about car insurance in West Mclean
The auto insurance costs in West Mclean fall around $423 for six
months.
The cheapest auto insurance company in West Mclean is Virginia Farm Bureau.
Teen drivers pay the highest rate in West Mclean at $813 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in West Mclean
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 Mclean are given below.
Virginia Farm Bureau provides
the cheapest minimum car insurance
coverage in West Mclean. Their Average 6 Month Premium is $177.
Nationwide is the most
expensive at $574 for the same
period.
Cheapest Full Coverage Car Insurance in West Mclean
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 Mclean is Virginia Farm Bureau
at $72 per month and $423
for six months.
Cheapest Full Coverage Car Insurance Quotes in West Mclean,
VA
Get Your Car Insurance Quote in West Mclean
Instantly!
Average Car Insurance in West Mclean 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 Mclean, VA increasing?
Despite maintaining a clean driving record, your car insurance rates
in West Mclean, 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 Mclean'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 Mclean
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
$747
30s
Virginia Farm Bureau
$564
40s
USAA
$526
50s
USAA
$493
60s
USAA
$519
70s
USAA
$823
Cheapest Car Insurance Rates for Teen Drivers in
West Mclean,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 Mclean at $30
per
month. At $4877 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in West Mclean.
As young drivers face the highest rates in West Mclean, USAA
offers the cheapest auto insurance rates at $747 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 Mclean,
Mercury is
the cheapest car insurance provider. At $253 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 Mclean is Nationwide, offering
rates of around $485 for six
months.
Save up to $971/yr on car insurance rates in West Mclean.
Car Insurance Rates with An Accident in West Mclean
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 Mclean, VA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in West Mclean
The cheapest car insurance companies after an at-fault accident in
West Mclean include AutoOwners Insurance Co
and Virginia Farm Bureau, offering $246
and $246,
respectively. Encompass is an expensive provider
with an average six-month premium of
$553.
Here is a list of driving violations that can increase your car
insurance rates in West Mclean VA. For example, the car
insurance in West Mclean
after a DUI increases to $1079 for a six
month policy. While the rate increases by $225 for a six-month policy in the case of
a speeding ticket.
West Mclean auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1080
$179
One Med/PIP claim
$1080
$184
Not-at-fault accident
$1120
$186
Two Med/PIP claims
$1155
$197
One comp claim
$1168
$194
Two comp claims
$1222
$208
Failure to show documents
$1229
$205
Driving without lights
$1250
$213
Child safety restraint
$1257
$209
Driving with expired registration
$1271
$216
Failure to wear a seat belt
$1285
$214
Cell phone violation
$1298
$221
Driving too slowly
$1298
$216
Failure to yield
$1298
$221
Speeding in school zone
$1298
$216
Texting while driving
$1298
$221
Wrong way/wrong lane
$1298
$216
Failure to stop at a red light
$1305
$222
Following too closely
$1305
$217
Illegal turn
$1305
$222
Improper passing
$1305
$217
Speeding 6 - 10 MPH over limit
$1305
$222
Speeding 16 - 20 MPH over limit
$1318
$220
Speeding 11 - 15 MPH over limit
$1325
$225
Passing school bus
$1366
$228
In 65 MPH zone
$1415
$240
Open container
$1434
$239
Speeding 21 - 25 MPH over limit
$1434
$244
At-fault accident - less than $1000
$1475
$246
Operating a vehicle without permission
$1585
$269
At-fault accident - $1000-$2000
$1605
$268
At-fault accident - greater than $2000
$1605
$273
Reckless driving
$1954
$325
Racing
$2098
$357
DUI
$2159
$360
Refusal to submit to a chemical test
$2159
$367
Driving with a suspended license
$2268
$378
Leaving scene of an accident/hit and run
$2268
$385
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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 Mclean 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 Mclean.
The cheapest car insurance premiums in
West Mclean are
offered by Virginia Farm Bureau at $218 for a six-month policy.
However, it can be as
expensive as $1879 with companies
like Allstate.
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 Mclean are offered by Mercury
at $253. However,
it can be as expensive as $342
with companies like State Farm for a similar
six-month premium.
Cheapest Car Insurance in West Mclean after Speeding ticket
Car Insurance Price Trends in West Mclean,
Virginia
Car insurance rates in West Mclean have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the West Mclean rose by
$103 in December
compared to $100 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 Mclean rose to $53 in December,
compared to $51 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in West Mclean by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
West Mclean. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in West Mclean?
The car insurance in West Mclean is $30 per month, which is lower than the national average.
What is the cheapest car insurance in West Mclean?
The cheapest car insurance in West Mclean
is $72 per month
for full coverage.
How much is car insurance in West Mclean for teenagers?
Car insurance for teenagers costs $177 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 Mclean?
The average cost of car insurance is $638 for a six-month
policy. It will cost around $123 per month to insure your
car in West Mclean.
Is car insurance expensive in West Mclean?
Car insurance can be expensive in West Mclean if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in West Mclean can be
affordable.
What is the best car insurance in West Mclean,
VA?
The best car insurance company in West Mclean
VA is
Virginia Farm Bureau, offering $423 for a
six-month policy.
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Find Car Insurance Rates in Cities Near West Mclean, VA
Car Insurance Rates by State in the USA (2025 Update)
West Mclean Car Insurance
