Cheapest Auto Insurance in Charlottesville, Virginia (2026)
Auto-Owners offers the cheapest car insurance in Charlottesville, with minimum-coverage policies as low as $47 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byErin Gobler
)
Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Charlottesville drivers pay an average monthly premium of $124, which is lower than both the state and national averages of $145 and $140 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 $91 per month for liability insurance and $157 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 Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $105 | $55 | Personalized service |
| State Farm | 9.3 | $107 | $57 | Customer satisfaction |
| GEICO | 9.2 | $178 | $102 | Discounts |
Disclaimer: Table data sourced from real-time Charlottesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Charlottesville may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for personalized service: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $47/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. | $90/mo |
4.3
Best choiceBased on 327 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $49/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. | $92/mo |
4.0
Best choiceBased on 17,001 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 38 Virginia reviews for Charlottesville driversSee all 7,377 State Farm reviews
Verified Review
Reviewed in Virginia on April 11, 2026
Offhanded and more interested in cash than anything else. I drive 6,000 miles a year or less and get little discount.
Verified Review
Reviewed in Virginia on April 4, 2026
I never had a problem with them.
Verified Review
Reviewed in Virginia on March 20, 2026
Good service but too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: GEICO
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $87/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. | $151/mo |
3.9
A solid optionBased on 17,248 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 30 Virginia reviews for Charlottesville driversSee all 7,599 GEICO reviews
Verified Review
Reviewed in Virginia on April 3, 2026
Excellent care and coverage.
Verified Review
Reviewed in Virginia on March 28, 2026
I will be looking to change soon. GEICO is way too expensive.
Verified Review
Reviewed in Virginia on March 27, 2026
I haven't needed to make any claims yet, but they are better priced than most of the other companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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 $47 per month
Excellent
4.7 out of 5 based on 13,478 reviews
Secure. Free. Easy-to-use.
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 $47 per month.
The below rates in Charlottesville, VA, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $47 |
| State Farm | $49 |
| USAA | $65 |
| CSAA | $70 |
| Chubb | $71 |
| Erie | $74 |
| Mercury | $74 |
| Elephant | $77 |
| Nationwide | $85 |
| GEICO | $87 |
| Bristol West | $92 |
| National General | $92 |
| Direct Auto | $99 |
| Progressive | $99 |
| Allstate | $102 |
| GAINSCO | $102 |
| Safeco | $107 |
| Dairyland | $120 |
| Liberty Mutual | $124 |
| Liberty Mutual | $124 |
| Trexis | $126 |
| Root | $127 |
| AssuranceAmerica | $132 |
| The General | $132 |
| Travelers | $136 |
| Trexis One | $143 |
| Clearcover | $146 |
Disclaimer: Table data sourced from real-time Charlottesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Charlottesville 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 $90 per month. Check out other full-coverage insurance quotes in Charlottesville in the table below.
The below rates in Charlottesville, VA, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $90 |
| State Farm | $92 |
| Elephant | $119 |
| CSAA | $120 |
| USAA | $124 |
| Progressive | $133 |
| Chubb | $135 |
| Mercury | $140 |
| Erie | $141 |
| GEICO | $151 |
| Safeco | $159 |
| Nationwide | $161 |
| Bristol West | $163 |
| National General | $170 |
| Direct Auto | $178 |
| Liberty Mutual | $178 |
| Liberty Mutual | $178 |
| Allstate | $193 |
| Root | $195 |
| GAINSCO | $221 |
| AssuranceAmerica | $224 |
| Trexis | $243 |
| Travelers | $259 |
| Dairyland | $269 |
| Clearcover | $275 |
| The General | $291 |
| Trexis One | $309 |
Disclaimer: Table data sourced from real-time Charlottesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Charlottesville may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Charlottesville, Virginia drivers
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $88/mo for full coverage in Charlottesville and other Virginia cities.
*Quotes generated for Insurify users in and around Charlottesville, Virginia within the last 10 days. Last updated on April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Charlottesville, Virginia within the last 10 days. Last updated on April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
In Virginia, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:[2]
Coverage Type | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
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:
Collision coverage
Collision insurance pays for damage to your vehicle after an accident, regardless of who’s at fault.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle after an incident that’s not an accident, such as storm damage or vandalism.
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.
Roadside assistance coverage
Roadside assistance pays for emergency services you need while on the road, including towing, jump-starts, lock-out service, and more.
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 $91 for liability coverage. But an at-fault accident increases that rate to an average of $117 per month.
The below rates in Charlottesville, VA, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Auto-Owners | $47 | $60 | $61 | $64 |
| State Farm | $49 | $61 | $64 | $67 |
| USAA | $65 | $83 | $86 | $89 |
| Chubb | $71 | $89 | $93 | $97 |
| CSAA | $70 | $90 | $103 | $95 |
| Elephant | $77 | $91 | $99 | $105 |
| Erie | $74 | $96 | $97 | $101 |
| Mercury | $74 | $101 | $109 | $107 |
| Nationwide | $85 | $109 | $113 | $116 |
| GEICO | $87 | $112 | $112 | $117 |
| Bristol West | $92 | $115 | $120 | $125 |
| GAINSCO | $102 | $120 | $129 | $139 |
| Progressive | $99 | $121 | $127 | $127 |
| Direct Auto | $99 | $123 | $133 | $135 |
| Allstate | $102 | $131 | $135 | $139 |
| Safeco | $107 | $139 | $147 | $155 |
| Dairyland | $120 | $147 | $156 | $164 |
| Trexis | $126 | $154 | $162 | $162 |
| Liberty Mutual | $124 | $156 | $162 | $169 |
| Liberty Mutual | $124 | $156 | $162 | $169 |
| AssuranceAmerica | $132 | $166 | $173 | $180 |
| Root | $127 | $167 | $168 | $174 |
| Travelers | $136 | $174 | $181 | $185 |
| Trexis One | $143 | $174 | $184 | $184 |
| The General | $132 | $174 | $179 | $173 |
| Clearcover | $146 | $184 | $206 | $199 |
Disclaimer: Table data sourced from real-time Charlottesville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Charlottesville 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.
Age | Average Monthly Quote |
|---|---|
| Teens | $245 |
| 20s | $303 |
| 30s | $282 |
| 40s | $240 |
| 50s | $179 |
| 60s | $126 |
| 70s | $94 |
Disclaimer: Table data is based on real-time Charlottesville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Charlottesville, VA
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,478 reviews
Secure. Free. Easy-to-use.
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
Category | Price |
|---|---|
| Excellent | $105 |
| Good | $125 |
| Fair | $137 |
| Poor | $207 |
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 $91 per month for liability coverage and $157 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 $47. State Farm and USAA also offer affordable liability policies, with monthly rates of $49 and $65, 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 9.3 out of 10, State Farm is the best car insurance company in Charlottesville. Other top insurers include Auto-Owners and GEICO.
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background On: Teen drivers."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
Related articles
)
Best Car Insurance in Virginia
State Farm, USAA, and Erie are three of the best car insurance companies in Virginia.
|April 13, 2026
)
Gap Insurance in Virginia
Gap insurance gives your wallet extra protection when you finance or lease your vehicle. But the optional coverage comes at a cost.
|April 13, 2026
)
Rideshare Insurance in Virginia
If you drive for a rideshare company in Virginia, your personal insurance won’t provide sufficient coverage.
|April 13, 2026
)
Cheap SR-22 and FR-44 Insurance in Virginia
Auto-Owners, State Farm, and USAA have the cheapest liability rates in Virginia.
|April 13, 2026
)
Car Insurance Requirements in Virginia
You must carry bodily injury liability coverage and property damage liability coverage to drive in Virginia.
|April 13, 2026
Average Car Insurance Cost in Virginia
Drivers in Virginia pay an average of $145 per month for car insurance.
|April 5, 2026
Temporary Car Insurance in Virginia: What Your Short-Term Options Really Are
You can’t get temporary car insurance in Virginia. But with Insurify Car, you can pay by the week and cancel anytime.
|April 5, 2026
Cheapest Car Insurance Quotes in Virginia
Auto-Owners offers the cheapest car insurance in Virginia, with an average monthly rate of $55 for liability coverage. Shop real-time quotes for Virginia and buy your policy all in one place with Insurify.
|April 13, 2026
)
Cheapest Auto Insurance in Lynchburg, Virginia
Auto-Owners offers the cheapest car insurance in Lynchburg, with minimum-coverage policies as low as $49 per month.
|April 13, 2026
)
Best Cheap Auto Insurance in Arlington, Virginia
Auto-Owners has the cheapest car insurance rates in Arlington, with liability-only policies starting at $55 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Harrisonburg, Virginia
Harrisonburg drivers can secure rates as low as $45 per month for liability-only coverage through Auto-Owners.
|April 13, 2026
)
Cheapest Auto Insurance in Portsmouth, Virginia
With a monthly liability-only rate of $67, Auto-Owners is the cheapest car insurance company in Portsmouth.
|April 13, 2026
)
Cheapest Auto Insurance in Newport News, Virginia
Newport News drivers can find the cheapest car insurance rates from Auto-Owners, with liability-only rates of $62 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Virginia Beach, Virginia
Auto-Owners offers the cheapest liability coverage in Virginia Beach, starting at $58 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Alexandria, Virginia
Auto-Owners offers the cheapest car insurance in Alexandria, with minimum-coverage policies as low as $66 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Norfolk, Virginia
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Norfolk.
|April 13, 2026
)
Cheapest Auto Insurance in Chesapeake, Virginia
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $58 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Richmond, Virginia
The cheapest car insurance company in Richmond is Auto-Owners, with rates as low as $67 per month
|April 13, 2026
)
Cheapest Auto Insurance in Woodbridge, Virginia
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $67 per month.
|April 13, 2026
)
Cheapest Auto Insurance in Roanoke, Virginia
Roanoke drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability-only rates start at just $48 per month.
|April 13, 2026
)
Written byErin Gobler
Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Featured in
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in