Cheapest Auto Insurance in Charlottesville, Virginia (2024)

With liability-only rates of $29 per month, Auto-Owners is the cheapest car insurance company in Charlottesville.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated February 14, 2024 at 7:24 AM PST

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Charlottesville drivers pay an average monthly premium of $105, which is lower than both the state and national averages of $131 and $155 per month, respectively.

Virginia’s overall low insurance premiums could be a result of many factors, including the unique insurance requirements where drivers don’t necessarily need to carry coverage. But your premiums could look very different based on your personal situation and driving profile, which is why it’s important to compare quotes from several insurers before choosing a policy.

Quick Facts
  • Auto-Owners is the cheapest insurer for liability-only coverage in Charlottesville, and Auto-Owners offers the cheapest full-coverage policies.

  • Charlottesville drivers pay an average of $79 per month for liability insurance and $131 per month for full coverage.

  • Virginia has minimum liability coverage limits in place but allows drivers to opt out of insurance by paying an annual fee.

3 of the cheapest car insurance companies in Charlottesville

Thanks to low insurance premiums in the state of Virginia, Charlottesville drivers should have an easy time finding affordable car insurance. The cheapest insurance company for you may vary depending on your individual situation and needs.

We’ve rounded up three of the cheapest insurers in Charlottesville to help get you started on your search. The rates in the table below are for Virginia overall.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$61$36Personalized service
State Farm4.5$62$37Customer satisfaction
GEICO4.2$84$50Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for personalized service: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$48/mo

Auto-Owners offers some of the cheapest and most hands-on auto insurance coverage in Charlottesville. Auto-Owners uses an agent approach, meaning each customer works directly with independent insurance agents. The good news is you can expect personalized service, but it also means you can’t get a quote online. Auto-Owners also has many types of coverage available and few customer complaints with the National Association of Insurance Commissioners (NAIC).

Pros
  • Personalized customer service

  • Many coverage options

  • Below-average number of customer complaints with the NAIC

Cons
  • Can’t get a quote online

  • No usage-based discount

  • Poor digital experience

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$49/mo

State Farm is the nation’s largest auto insurance company. Not only does it have some of the cheapest insurance rates for Charlottesville drivers, but it also consistently ranks high in customer satisfaction. Though State Farm doesn’t offer as many discounts as many competitors, it does offer savings for safe drivers through its Drive Safe & Save program.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Savings for safe drivers

  • Offers rideshare coverage

Cons
  • No gap insurance

  • Above-average number of customer complaints with the NAIC

  • Fewer discounts than other top insurers

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo

GEICO already offers affordable premiums in Charlottesville, but it also offers many ways to save more through discounts. You can save based on your vehicle’s safety features, driver’s education, driving history, and more. GEICO also stands out for its digital tools, which are among the best in the industry.

Pros
  • Many discounts available

  • Excellent digital tools

  • Savings for safe drivers

Cons
  • No gap insurance

  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Above-average number of customer complaints with the NAIC

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

How to get the cheapest car insurance in Charlottesville

Many things affect your car insurance premiums, including your age, gender, driving history, ZIP code, and more. Though some of those factors may be outside your control, you can take some key steps to get the cheapest car insurance:[1]

  • Compare rates. When you’re getting ready to purchase car insurance, shop around and compare rates across several insurers. This way, you can make sure you’re getting the best deal on a policy for your situation.

  • Consider your coverage needs. Not everyone has the same insurance coverage needs, whether it be the type of coverage or the amount of coverage. Make sure to build an insurance policy that’s sufficient to cover your needs while avoiding wasting money by purchasing more insurance than you need.

  • Choose a higher deductible. The deductible you choose when you purchase your policy directly affects your premiums. A higher deductible — meaning you pay more out of pocket when you file a claim — results in a lower premium, while a lower deductible results in a higher premium.

  • Save with discounts. Car insurance discounts can help you lower your insurance premiums by rewarding you for everything from bundling your insurance policies to driving a safe vehicle to being a member of certain affinity groups. Each insurer has its own lineup of discounts, so make sure to keep that in mind when narrowing down your options.

  • Bundle your policies. Many insurance companies offer a discount when customers bundle their auto insurance policy with their home insurance, renters insurance, or even life insurance policy. The amount you can save and the types of policies you can bundle depend on the insurer.

Find Car Insurance in Charlottesville, Virginia

Liability rates start at $29 per month

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Cheapest liability-only car insurance in Charlottesville: Auto-Owners

A liability-only insurance policy includes two coverage types: bodily injury liability and property damage liability. These coverages protect other drivers on the road, paying for their damages when you’re at fault for an accident. However, it doesn’t provide any protection for you or your vehicle.

The table below shows the cheapest liability-only rates for drivers in Charlottesville. As you can see, Auto-Owners offers the cheapest liability-only policies, at $29 per month.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners29
State Farm29
GEICO39
USAA39
Chubb43
Erie45
Safeco49
Mercury50
Clearcover51
Nationwide51
State Auto56
Midvale Home & Auto58
Allstate61
Liberty Mutual65
Progressive65
Elephant66
AssuranceAmerica76
Dairyland76
Direct Auto76
National General76
GAINSCO80
Travelers82
CSAA102
Bristol West110
The General121
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Charlottesville: Auto-Owners

Full-coverage car insurance includes liability insurance, but it also includes other coverages to protect you and your vehicle. For example, a typical full-coverage policy includes collision and comprehensive coverages, both of which pay for damage to your vehicle.

Because liability insurance doesn’t protect your vehicle, full coverage is often a good idea, especially if you can’t afford to replace your vehicle out of pocket. Your lender may also require it if you have a loan or lease on your vehicle.

Drivers can find the cheapest full-coverage insurance with Auto-Owners, with rates of $48 per month. Check out other full-coverage insurance quotes in Charlottesville in the table below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners48
State Farm49
GEICO65
USAA65
Chubb72
Erie75
Clearcover79
Nationwide82
Mercury91
Safeco92
Midvale Home & Auto94
Allstate102
Travelers107
Elephant111
State Auto117
AssuranceAmerica120
Liberty Mutual120
Direct Auto123
Progressive125
National General146
CSAA158
Dairyland166
GAINSCO180
The General208
Bristol West214
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Virginia

Virginia is unique because, though it has minimum insurance limits, you don’t necessarily have to meet them. Virginia drivers have two options:

  • Purchase the state’s minimum liability insurance limits, which are listed in the table below.

  • Pay the annual $500 uninsured motor vehicle (UMV) fee, which allows you to drive without insurance.

If you fail to meet one of those requirements, you may have your driver’s license and vehicle registration suspended until you pay a $600 fee. You’ll also be required to file an SR-22 with the state’s DMV for three years after reinstatement.[2]

It’s important to note that paying the UMV fee doesn’t absolve you of responsibility if you’re at fault for an accident. It simply allows you to drive at your own risk. As a result, if you’re responsible for an accident, you could be liable for all property damage and injuries.

Here are the minimum coverage requirements in Virginia for people who decide to purchase insurance rather than pay the UMV fee:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000 per accident
Important Information

Virginia drivers should take note that the coverage limits above will increase with policies that go into effect on or after Jan. 1, 2025. The minimum coverage amounts will increase to $50,000 per person and $100,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.[2]

In addition to the required insurance coverages in Virginia, Charlottesville drivers can add several optional coverages to their policies. Here are some of the most common:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for damage to your vehicle after an accident, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle after an incident that’s not an accident, such as storm damage or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damage to your vehicle when the driver responsible for an accident doesn’t have insurance or doesn’t have sufficient coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance pays for emergency services you need while on the road, including towing, jump-starts, lock-out service, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement pays for your rental car when your vehicle is undrivable due to a covered incident, such as an accident.

Cheapest car insurance for drivers with an incident

Drivers without violations on their records pay the cheapest premiums. Having any sort of incident on your record, whether it be a speeding ticket, at-fault accident, DUI, or anything else, is likely to increase your premiums.[3]

The amount your premiums will increase after an incident depends on a variety of factors. The more severe the incident, the more your premiums are likely to increase. Additionally, different insurers may increase rates by different amounts after incidents.

For example, drivers with clean records in Charlottesville pay a monthly average of $79 for liability coverage. But an at-fault accident increases that rate to an average of $114 per month.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners29383946
State Farm29363846
GEICO39505262
USAA39505262
Chubb43565869
Erie45626564
Safeco49677278
Mercury50737681
Clearcover51688381
Nationwide51666981
State Auto56808489
Midvale Home & Auto58788493
Allstate61788297
Liberty Mutual658993104
Progressive658691104
Elephant668589105
AssuranceAmerica76105108121
Dairyland76100104121
Direct Auto76102107109
National General7697103121
GAINSCO80100105128
Travelers82106111131
CSAA102134143163
Bristol West110142146176
The General121159167193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is an important factor that determines your car insurance rates. Generally speaking, young drivers, especially teens, pay the highest premiums. Their lack of experience and propensity toward high-risk driving behaviors present a higher risk for insurers.[4]

On the other hand, older drivers usually pay the lowest rates. Rates tend to drop throughout a driver’s 20s, 30s, and 40s, reaching their lowest level in a driver’s 50s and 60s.

Finally, some drivers see their rates increase again in their 70s. Though older drivers often make safer driving decisions, a decline in their physical or cognitive health can result in a slower reaction time and more accidents.[5]

The table below shows the average monthly quote for drivers in different age groups in Charlottesville.

AgeAverage Monthly Quote
Teens$245
20s$303
30s$282
40s$240
50s$179
60s$126
70s$94
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Charlottesville car insurance quotes by credit tier

In most states, your credit history is another factor that insurance companies take into consideration when setting your insurance premiums.[6] Credit history can be an indication of risk. Insurance companies consider drivers with good or excellent credit as lower risk, meaning they pay lower premiums.

On the other hand, insurers may consider drivers with poor credit as more likely to file claims and charge them higher premiums as a result.

In the table below, you can see the average premium for drivers of each credit profile in Charlottesville:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Charlottesville car insurance FAQs

If you’re shopping for car insurance in Charlottesville, this additional information may help as you research your coverage options.

  • How much is car insurance in Charlottesville?

    Car insurance in Charlottesville costs $79 per month for liability coverage and $131 per month for full coverage, according to Insurify data.

  • Who has the cheapest car insurance in Charlottesville?

    Auto-Owners has the cheapest car insurance in Charlottesville, with monthly liability-only rates of $29. State Farm and GEICO also offer affordable liability policies, with monthly rates of $29 and $39, respectively.

    But these may not be the cheapest insurers for you. Shopping around and comparing quotes is the best way to find a policy that meets your budget and coverage needs.

  • What are the best car insurance companies in Charlottesville?

    With an A++ (Superior) financial strength rating from AM Best, above-average J.D. Power customer satisfaction scores, and a high IQ Score of 4.5 out of 5, State Farm is the best car insurance company in Charlottesville. Other top insurers include Auto-Owners and GEICO.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance." Accessed December 5, 2023
  2. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed December 5, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 5, 2023
  4. Insurance Information Institute. "Background On: Teen drivers." Accessed December 5, 2023
  5. Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed December 5, 2023
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed December 5, 2023
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Ashley Cox
Edited byAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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