Blacksburg, VA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Blacksburg, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Latest Car Insurance Rates in Blacksburg, VA
Car insurance rates are based on certain factors, including driving history, claims history, and where you live. So what can Blacksburg residents expect to pay for their auto insurance? According to Zimlon’s research, the average car insurance rate in Blacksburg, VA is $963, which is comparatively higher than neighboring locations like Prices Fork, Montgomery County, and Fairlawn.
So how to make the car insurance rates in Blacksburg more affordable? Zimlon found that these prices can come down with discounts after considering various factors. Few such factors include the driver's age, credit score, deductibles, and Multi-Car Insurance rates.
Check out the discounts available to find the best premium.
Based on your credit score
Credit score plays a crucial role in determining the cost of car insurance. Car drivers with a decent credit score and spotless driving history can obtain substantial discounts on car insurance rates in Blacksburg. Car drivers with exceptional scores between 800 and 850 can avail as little as $826 for car insurance. In contrast, car drivers with poor scores between 300 and 579 have to pay $1,571 for car insurance.
Based on the Deductible
One way to save money on your car insurance is by opting for a high deductible. The deductible is the amount paid by the policyholder before the insurance provider will pay any expenses. A higher deductible leads to a reduction in the cost of car insurance. Therefore, auto owners in Blacksburg who opted for a high deductible of 1000 have to pay $1,594. In contrast, auto owners who opted for a low deductible of 500 have to pay $1,887.
Based on Multi Car Insurance Rates
Another way to save a few bucks on auto insurance is by insuring multiple vehicles with the same insurer. Like this, you can obtain discounts on your car insurance. According to Zimlon analysis, car owners who combined more than one form of insurance might save money each month by insuring both vehicles under one policy. Auto insurance providers in Blacksburg offer auto insurance rates for $1,676 and $2,513 on two-vehicle and a three-vehicle bundle, respectively. In Blacksburg, bundling four vehicles can save $501 on auto insurance rates.
Factors that can influence the cost of car insurance in Blacksburg, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Blacksburg, VA Auto Insurance Rates
- Blacksburg, VA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blacksburg, VA
- Multi Vehicle Insurance Savings in Blacksburg, VA
- How Credit Score Affects Car Insurance Rates in Blacksburg, VA
- How DUI Affects Auto Insurance Premiums in Blacksburg, VA
- Top Auto Insurance Agents Near Blacksburg, VA
- How Driving Violations Affect Auto Insurance Rates in Blacksburg, VA
- Blacksburg, VA Auto Insurance Discounts on Anti Theft Feature
- Blacksburg, VA Auto Insurance Company Reviews
Blacksburg, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Blacksburg, VA with that of other cities in and around Blacksburg.
| Blacksburg | Prices Fork | Merrimac | Montgomery County | Fairlawn | Belview | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $963 | $940 | $2,112 | $936 | $918 | $912 |
Blacksburg, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Blacksburg, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Blacksburg | $1,887 | $1,594 |
| Merrimac | $1,587 | $1,341 |
| Prices Fork | $1,468 | $1,240 |
| Montgomery County | $1,594 | $1,347 |
| Christiansburg | $1,374 | $1,161 |
| Belview | $1,095 | $925 |
| Plum Creek | $1,925 | $1,626 |
| Fairlawn | $1,478 | $1,248 |
Blacksburg, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Blacksburg, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,125 |
| 20 Years | $1,237 |
| 30 Years | $953 |
| 40 Years | $917 |
| 50 Years | $849 |
| 60 Years | $861 |
| 70 Years | $1,002 |
Blacksburg, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Blacksburg, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,676 | $250 |
| 3 Vehicles | $2,513 | $376 |
| 4 Vehicles | $3,351 | $501 |
Savings on 2 Vehicles bundle:$250
Savings on 3 Vehicles bundle:$376
Savings on 4 Vehicles bundle:$501
Blacksburg, VA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Blacksburg, VA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Blacksburg | $963 | $1,572 |
| Merrimac | $2,112 | $3,447 |
| Prices Fork | $940 | $1,534 |
| Montgomery County | $936 | $1,528 |
| Christiansburg | $925 | $1,510 |
| Belview | $912 | $1,489 |
| Plum Creek | $1,869 | $3,051 |
| Fairlawn | $918 | $1,498 |
Blacksburg, VA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $826 |
| Excellent (740-799) | $943 |
| Good (670-739) | $1,003 |
| Average (580-669) | $1,309 |
| Poor (300-579) | $1,571 |
Blacksburg, VA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Brown Insurance | None | 100 Hubbard St., Suite A, Blacksburg, 24060 | (540) 242-8526 |
| Main Street Insurance Agency Inc | None | 10 West Main Street, Christiansburg, 24073 | None |
| Eric Johnsen | State Farm | 2045 N Franklin St Ste C, Christiansbrg, 24073-1227 | 540-382-5552 |
| Metro Insurance Services Inc | Travelers | 265 B PEPPERS FERRY RD NE, CHRISTIANSBURG, 24073 | 540-381-1700 |
| Horner Ins Agcy T/A Metro Ins | None | 403 W Main St Christianburg, Christiansburg, 24073 | None |
| Coaches Insurance | Erie | 602 Radford Street, Christiansburg, 24073 | None |
| Marsh & Mclennan Agency Llc | Liberty Mutual Independent | 1 S JEFFERSON ST, ROANOKE, 24011 | 540-982-3511 |
| Greater Valley Insurance | Travelers | 138 Oak Tree Park, christiansburg, 24073 | None |
| James A Scott & Son Inc | Travelers | 30 FRANKLIN RD, ROANOKE, 24001 | 540-343-8071 |
| Bb&T Ins Svcs - Roanoke | Travelers | 310 First St Sw Ste 201, Roanoke, 24011 | None |
Blacksburg, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$42 | $1,005 |
| Driver's Failure In Showing Documents | +$93 | $1,056 |
| Driving With An Expired Registration | +$99 | $1,062 |
| Driving At A Considerably Slow Pace | +$209 | $1,172 |
| Using A Cellphone While Driving | +$221 | $1,184 |
| Running A Red Light | +$224 | $1,187 |
| Speeding | +$236 | $1,199 |
| Driving A Vehicle Without The Required Permission | +$299 | $1,262 |
| Driving With An Expired/Suspended License | +$649 | $1,612 |
Blacksburg, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $924 |
| Active Disabling Device | $924 |
| Tracking Device | $905 |
| Passive Disabling Device | $896 |
Latest Auto Insurance Reviews in Blacksburg, VA | Back to Top
State FarmState Farm offers all of the coverage that we need, and at a very fair price. They also have additional coverage options that we could add on if needed to at any point in the future.
ProgressiveWhen I was comparing costs with my previous company, Progressive was significantly less expensive for similar coverage and lower deductibles.
AllstateI received this insurance through a third party agency, I don't really have a good rating for Bear River Insurance directly; however, their online site is very easy to work with. I rate 4 out of 5.