Best Charlottesville, VA Car Insurance in 2024
Car insurance in Charlottesville, VA averages $192 a month. Charlottesville, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Charlottesville car insurance rates, compare quotes from the top car insurance companies in Charlottesville, VA.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Charlottesville for teen drivers is Geico
- The cheapest ZIP code in Charlottesville is 22901
- The cheapest car insurance company in Charlottesville is USAA
If you need to buy Charlottesville, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Charlottesville, VA is right here.
You’ll find Charlottesville car insurance rates, the cheapest Charlottesville, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Charlottesville, Virginia car insurance rates to Portsmouth car insurance rates, Alexandria car insurance rates, and Hampton car insurance rates.
Ready to find affordable Charlottesville, VA car insurance today? Enter your ZIP code for fast, free Charlottesville car insurance quotes.
Cheapest Charlottesville, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Charlottesville, VA car insurance rates? Every Charlottesville, Virginia car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,955 | $1,846 | $1,944 | $1,944 | $6,132 | $7,059 | $2,542 | $2,547 |
| Geico | $1,463 | $1,464 | $1,386 | $1,386 | $3,070 | $4,128 | $1,701 | $1,688 |
| Nationwide | $1,461 | $1,471 | $1,295 | $1,332 | $3,470 | $4,482 | $1,611 | $1,756 |
| Progressive | $1,195 | $1,135 | $1,085 | $1,087 | $5,572 | $6,249 | $1,448 | $1,480 |
| State Farm | $1,324 | $1,324 | $1,195 | $1,195 | $4,028 | $5,047 | $1,497 | $1,730 |
| USAA | $1,133 | $1,115 | $1,063 | $1,068 | $3,527 | $4,187 | $1,457 | $1,600 |
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Minimum Car Insurance in Charlottesville, VA
Every driver must carry the minimum car insurance in Charlottesville, VA. Take a look at the Virginia car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Charlottesville, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Charlottesville, VA. Compare credit history car insurance rates in Charlottesville from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,950 | $3,174 | $2,615 |
| Geico | $2,262 | $1,923 | $1,923 |
| Nationwide | $2,502 | $2,006 | $1,820 |
| Progressive | $2,674 | $2,348 | $2,197 |
| State Farm | $3,082 | $1,911 | $1,510 |
| USAA | $2,528 | $1,727 | $1,427 |
Cheapest Charlottesville, VA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlottesville, VA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,431 | $3,863 | $3,561 | $3,130 |
| Geico | $1,542 | $2,007 | $3,052 | $1,542 |
| Nationwide | $1,833 | $1,833 | $2,692 | $2,082 |
| Progressive | $2,049 | $2,735 | $2,451 | $2,390 |
| State Farm | $1,977 | $2,358 | $2,167 | $2,167 |
| USAA | $1,465 | $1,907 | $2,515 | $1,688 |
Cheapest Charlottesville, VA Car Insurance for Teen Drivers
Teen car insurance in Charlottesville, VA can be expensive. Take a look at rates from the top car insurance companies in Charlottesville for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,132 | $7,059 |
| Geico | $3,070 | $4,128 |
| Nationwide | $3,470 | $4,482 |
| Progressive | $5,572 | $6,249 |
| State Farm | $4,028 | $5,047 |
| USAA | $3,527 | $4,187 |
Cheapest Charlottesville, VA Car Insurance for Seniors
Take a look at Charlottesville, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,944 | $1,944 |
| Geico | $1,386 | $1,386 |
| Nationwide | $1,295 | $1,332 |
| Progressive | $1,085 | $1,087 |
| State Farm | $1,195 | $1,195 |
| USAA | $1,063 | $1,068 |
Cheapest Charlottesville, VA Car Insurance Rates After a DUI
A DUI in Charlottesville, VA increases car insurance rates. Compare Charlottesville, Virginia DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,561 |
| Geico | $3,052 |
| Nationwide | $2,692 |
| Progressive | $2,451 |
| State Farm | $2,167 |
| USAA | $2,515 |
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Cheapest Charlottesville, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Charlottesville, VA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,149 | $3,343 |
| Geico | $1,998 | $2,074 |
| Nationwide | $2,110 | $2,110 |
| Progressive | $2,406 | $2,406 |
| State Farm | $2,115 | $2,220 |
| USAA | $1,824 | $1,964 |
Cheapest Charlottesville, VA Car Insurance Rates by ZIP Code
Charlottesville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Charlottesville, VA.
| ZIP Code | Average Annual Rates |
|---|---|
| 22901 | $1,980 |
| 22902 | $1,995 |
| 22903 | $1,984 |
| 22911 | $2,046 |
The Best Cheap Car Insurance Companies in Charlottesville, VA
Take a look at a side-by-side comparison of the top car insurance companies in Charlottesville, VA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,246 |
| Geico | $2,036 |
| Nationwide | $2,110 |
| Progressive | $2,406 |
| State Farm | $2,167 |
| USAA | $1,894 |
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Category Winners: Cheapest Car Insurance in Charlottesville, Virginia
Find the cheapest car insurance companies in Charlottesville, VA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Charlottesville, VA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Charlottesville car insurance rates. Find the cheapest Charlottesville, VA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,163 | $3,247 | $3,328 |
| Geico | $1,969 | $2,035 | $2,104 |
| Nationwide | $2,223 | $2,088 | $2,018 |
| Progressive | $2,314 | $2,384 | $2,521 |
| State Farm | $2,043 | $2,164 | $2,296 |
| USAA | $1,813 | $1,897 | $1,971 |
What affects car insurance rates in Charlottesville, Virginia?
What factors can have an impact on Charlottesville, VA car insurance? There are several reasons why Charlottesville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charlottesville, Virginia.
Commute Time in Charlottesville
The more time you spend in your car the higher the risk of an accident. The average commute length in Charlottesville, VA is 17.0 minutes according to City-Data.
Traffic in Charlottesville
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charlottesville, VA traffic data from INRIX ranks Charlottesville as the 303rd-most congested in the world.
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Compare Car Insurance Quotes in Charlottesville, VA
Ready to find affordable Charlottesville, Virginia car insurance today? Enter your ZIP code for fast, free Charlottesville, VA car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Charlottesville, VA?
The average monthly car insurance rate in Charlottesville, VA is $192.
What are the car insurance requirements in Charlottesville, VA?
The car insurance requirements in Charlottesville, VA are 25/50/20.
Do I need full coverage insurance if my car is financed?
If your car is financed, you might need full coverage insurance.
How can I find cheap car insurance rates in Charlottesville, VA?
To find cheap car insurance rates in Charlottesville, VA, compare quotes from the top insurance companies.
How does age, gender, and marital status affect car insurance rates in Charlottesville, VA?
Every insurance company weighs these factors differently, so rates may vary.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.