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How much is car insurance in Dumfries?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $14 a month more expensive to insure your vehicle in Dumfries than it is in the rest of Virginia.
Drivers relocating from out of state may enjoy some cost savings in Dumfries. It's about $6 cheaper than the national average to insure your vehicle in Dumfries.
Bear in mind that while these rates are the average costs for Dumfries drivers, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've analyzed the average rate for Dumfries and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $67 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up a bit in Dumfries.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This rings true in Dumfries, where women pay around $6 less per month than men. Based on the chart above, you can see that female drivers pay around $71 on average, while male drivers typically pay $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Dumfries, a driving record with one accident will usually get you a rate around $88 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$82|
The cheapest vehicles to insure in Dumfries are usually trucks and vans, with each type typically costing about $63 per month.
SUV drivers will see rates of about $72, while the rates for car owners average out to about $78 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Dumfries, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The difference in rates based on relationship status in Dumfries is about $16 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $14 a month more than drivers who own property in Dumfries. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Dumfries, VA
Recent trends in car insurance for Dumfries drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Dumfries decreased from 2017-2019, but began to rise in 2020. This pattern has continued through 2022 when rates have most recently hit $108.
How does Dumfries compare to neighboring areas?
Why are car insurance rates in Dumfries different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Number of car accidents
- Area crime rates
- Availability of off-street parking
- Amount of drivers in the area
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Dumfries?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Dumfries.
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Dumfries Insurance FAQs
What factors affect car insurance quotes in Dumfries?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Dumfries different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Dumfries?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Dumfries?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Dumfries or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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