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How much is car insurance in Dumfries?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Virginia are about $12 a month cheaper than the rates drivers pay in Dumfries.
On the other hand, the expected monthly payments for an auto insurance policy in Dumfries are below the national average. It's about $9 cheaper than the national average to insure your vehicle in Dumfries.
Although these are the average rates for auto insurance in Dumfries, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Dumfries to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may start to rise again in Dumfries.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Dumfries is around $12 per month. As you can see in the chart above, car insurance for women in the area typically costs around $64 each month, while men pay $76 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Dumfries with one accident will pay around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $86.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$73|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Dumfries, with drivers paying around $64 per month to insure their vehicle.
SUV drivers will see rates of about $68, while the rates for car owners average out to about $73 a month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Dumfries are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally speaking, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Dumfries, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
One other element taken into consideration is your living situation. Those who own their own home in Dumfries can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Dumfries, VA
Recent trends in car insurance for Dumfries drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Policy premiums in Dumfries have been mixed recently. They rose in 2016, declined in 2018, and increased again in 2020, before finishing at $70 in 2021.
How does Dumfries compare to neighboring areas?
Why are car insurance rates in Dumfries different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Community laws
- Amount of drivers in the area
- General road safety (how many accidents each locality has)
- Availability of off-street parking
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Dumfries.
Dumfries Insurance FAQs
What factors affect car insurance quotes in Dumfries?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Dumfries different from other neighboring cities?
Things like local laws, crime rates, 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 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Dumfries or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.