Blacksburg Auto Insurance Rates, Quotes, Agents & Reviews in VA

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.

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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 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 Farm
State 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.
When I was comparing costs with my previous company, Progressive was significantly less expensive for similar coverage and lower deductibles.
I 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.