Cheap Auto Insurance Quotes in Charlottesville, VA (2021)

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Home to the University of Virginia, whose campus was designed by Thomas Jefferson, Charlottesville is a small city with roughly 50,000 residents. Navigating the area tends to be fairly straightforward, with multiple highways traversing the city. Some parts of Charlottesville can be congested at times, but all in all, driving here is far easier than in other parts of the nation. It’s always a good idea, however, to make sure you have adequate car insurance coverage, no matter how smooth your time on the road may be.

Car Insurance in Charlottesville, VA

The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Charlottesville, VA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$40
$51
$101
$117
$185
AllstateState FarmNationwideTravelersThe General
Monthly $

Cheapest Car Insurance in Charlottesville, VA

Here are the cheapest carriers in Charlottesville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Charlottesville, VA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Charlottesville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$124
$114
$134
$150
$124
$99
VirginiaVirginia BeachNorfolkChesapeakeRichmondCharlottesville
Monthly $

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Charlottesville, VA Driving Facts

virginia

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

Charlottesville Car Insurance Rates by Driver Age

In Charlottesville, the price for auto insurance peaks for drivers in their teens. Why? Because they have had less time on the road than older motorists, teens are assigned a risk level and rates that are proportionately high. Higher rates ensure that the car insurance company can recoup any losses should someone file a claim. Teen drivers in Charlottesville pay an average of $286 for car insurance monthly. More experienced motorists like those in their 30s and 40s pay considerably less, at $114 and $107, respectively.

Driving History
No Violation$129
Speeding Ticket$137
At-Fault Accident$151
Failure to Stop for Red Light / Stop Sign$161

Charlottesville Car Insurance Rates by Driving and Accident History

Insurance companies use your driving record and accident history to determine rates—both when you establish your policy and when you renew. For this reason, keeping your record pristine is one way to keep rates down. Driving mistakes like blowing through a stop sign or being at fault for an accident can push rates sky-high. In Charlottesville, the average insurance rate for drivers with a failure-to-stop violation is $160, while the clean-record crowd pays just $128.

Charlottesville Car Insurance Rates by Credit Tier

When it comes to insurance rates, credit scores count. Why? Because car insurance companies use credit-based insurance scores as an indicator of risk. Therefore, your credit score can affect your car insurance premiums much the same way your driving record, marital status, and address can. The better your score, the better your car insurance rates can be. If your credit score has room for improvement, there are plenty of tried-and-true ways to improve it. In Charlottesville, drivers with a “good” credit score can expect to pay an average of $129 per month for their car insurance.

Charlottesville, VA DMV Information

With only one office to serve the greater Charlottesville area, the Virginia Department of Motor Vehicles can be a busy place. Open from 8 a.m. to 6 p.m. Monday through Saturday, it’s best to arrive first thing in the morning if you can. Drivers can also check wait times online before they leave their home so they know what to expect upon arrival.

Public Transportation in Charlottesville, VA

Nearly any city that’s home to a university has a great public transportation system, and Charlottesville is no exception. The Charlottesville Area Transit serves just about every corner of the city and also includes a free trolley route in the downtown area. During nicer weather, biking and walking downtown are great options, and residents opt to use Lyft and Uber frequently as well.

Conclusion: How to get the best and cheapest car insurance in Charlottesville, VA

Driving in Charlottesville can be relatively easy as long as you give yourself ample time to arrive at your destination. Some individuals find that winter months pose more of a challenge, so it’s important to make sure you have the right level of auto insurance for your specific driving habits.

Whether you’re looking to save money on a new policy or you want to see how your current coverage compares to others, Insurify can help. Answer a few simple questions and you’ll be able to view quotes from multiple carriers at once, saving you both time and money.

Find local Charlottesville agents

Craddock Ins Svcs Inc 
687 Berkmar Cir, Charlottesville, VA 22901-1464
Ins Doctor Agcy of Charlottesville 
514 Pantops Shopping Ctr, Charlottesville, VA 22911-8665
Hanckel Citizens Ins Corp 
218 Third St NE, Charlottesville, VA 22902-5204
Indaco Risk Advisors Inc 
510 Locust Ave, Charlottesville, VA 22902-4811
Nuckols Ins Agcy 
2115 Hydraulic Rd Ste E, Charlottesville, VA 22901-2758
Bankers Ins Charlottesville 
630 Peter Jefferson Pkwy Ste 300, Charlottesville, VA 22911-4624
McGriff Ins - Charlottesville 
1425 Seminole Trail, Charlottesville, VA 22901-1417
White Ins Agcy t/a Able Ins 
716 W Rio Rd #D, Charlottesville, VA 22901-1400
Lewis Ins Agcy Inc 
101 E High St, Charlottesville, VA 22902
Davis Insurance Agency
665 Berkmar Ct, Charlottesville, VA 22901

Insurify Insights: How Charlottesville Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Charlottesville, VA
suspended licenses
#14
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Charlottesville drivers measure up to their fellow Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Charlottesville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Charlottesville drivers rank 37 in the number of car accidents per driver across all cities in Virginia.

  • Rank within state: #37
  • Percent of drivers in Charlottesville with an accident: 10.34%
  • Drivers in Charlottesville, VA with an accident in their driving history paid on average 9.85% more than drivers with a clean record

Speeding Charlottesville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Charlottesville drivers rank 40 in the number of speeding infractions per driver.

  • Rank within state: #40
  • Percent of drivers in Charlottesville with a speeding ticket: 12.88%
  • Drivers in Charlottesville, VA with a speeding ticket in their driving history paid on average 15.91% more than drivers with a clean record

DUI/DWIs Charlottesville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Charlottesville drivers rank 3 in the number of DUI’s per driver across all cities in Virginia.

  • Rank within state: #3
  • Percent of drivers in Charlottesville with a DUI: 2.71%
  • Drivers in Charlottesville, VA with a DUI in their driving history paid on average -91.67% more than drivers with a clean record

Most Popular Vehicle Charlottesville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Charlottesville is the Honda Accord.

Rude Charlottesville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Charlottesville drivers rank 21 in rude driving infractions.

  • Rank within state: #21
  • Percent of drivers in Charlottesville with a reckless driving violation: 2.88%
  • Drivers in Charlottesville, VA with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers Charlottesville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Charlottesville drivers rank 6 in clean driving records across all cities in Virginia.

  • Rank within state: #6
  • Percent of drivers in Charlottesville with clean record: 76.27%

Failure to Yield the Right of Way Charlottesville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Charlottesville drivers rank 25 in failure to yield violations per driver across all cities in Virginia.

  • Rank within state: #25
  • Percent of drivers in Charlottesville with a failure to yield violation: 0.34%
  • Drivers in Charlottesville, VA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Charlottesville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Charlottesville drivers rank 12 in the number of reckless driving offenses per driver.

  • Rank within state: #12
  • Percent of drivers in Charlottesville with a reckless driving offense: 0.51%

Hybrid/Electric Vehicle Ownership Charlottesville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Charlottesville drivers rank 18 in hybrid and electric vehicle ownership across all cities in Virginia.

  • Rank within state: #18
  • Percent of drivers in Charlottesville with a hybrid/electric vehicle: 1.57%

FAQs - Charlottesville, VA Car Insurance

Is car insurance cheap in Charlottesville?

Due to a range of factors across the entire state, residents here will find that they often pay up to 37 percent less than the national average for car insurance. Remember that your individual premium will vary based on your driving history and the type of vehicle you’re looking to cover.

Does Virginia require you to have car insurance?

Motorists who don’t want to pay for auto insurance in Virginia don’t have to, but they do have to pay a $500 fee each year to the DMV. Keep in mind that if you choose to go this route, you will be financially responsible in the event of an accident.

Where can I find cheap car insurance in Charlottesville?

Anyone looking to save money on their auto insurance premiums can visit Insurify for a free quote comparison. You’ll be able to see real-time prices for Charlottesville and just might find the perfect policy for you.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.