Charlottesville, VA Auto Insurance Rates
Charlottesville, VA residents can save $430 by comparing multiple quotes & reading reviews & research on Charlottesville car insurance rates, quotes, agents & coverage.
| Lowest | Average | Highest |
|---|---|---|
| $783 | $1080 | $1655 |
Latest Auto Insurance Reviews in Charlottesville, Virginia
Geico
I have had very good customer service experiences with my car insurance company. They listen and communicate well.
I have had very good customer service experiences with my car insurance company. They listen and communicate well.
Usaa
This question is impossible to answer- deductables are chosen by the owners and can not be compared.
This question is impossible to answer- deductables are chosen by the owners and can not be compared.
Geico
I like Geico, although I have not had to file any claims with them. When I want to change something in my policy, it is easy to simply go online and do so.
I like Geico, although I have not had to file any claims with them. When I want to change something in my policy, it is easy to simply go online and do so.
Usaa
USAA has it all --good rates, rental, towing...it's a full-service company that offers a variety of services to meet consumer preferences.
USAA has it all --good rates, rental, towing...it's a full-service company that offers a variety of services to meet consumer preferences.
State Farm
Because that insurance company good treating customer and satisfied for all customers.
Because that insurance company good treating customer and satisfied for all customers.
Allstate
The premium definitely could be cheaper but I get a good discount on my home policy by using them for my auto as well so I guess its just okay
The premium definitely could be cheaper but I get a good discount on my home policy by using them for my auto as well so I guess its just okay
Geico
I am not very satisfied with the customer service because it is very hard to talk to a live person and have been on hold for a ridiculous amount of time before.
I am not very satisfied with the customer service because it is very hard to talk to a live person and have been on hold for a ridiculous amount of time before.
Progressive
The policies Progressive offers are the same as those offered by other companies, the only difference was in the pricing.
The policies Progressive offers are the same as those offered by other companies, the only difference was in the pricing.
Alfa Insurance
We bundle with ALFA and they have always been great providers. We have only had very miinor claims over 30 years and maybe 2 claims overall. They have always been quick and appropriate.
We bundle with ALFA and they have always been great providers. We have only had very miinor claims over 30 years and maybe 2 claims overall. They have always been quick and appropriate.
Allstate
I like the customer service and the coverage that I get. Insurance is never a pleasant process but they make it as painless as possible.
I like the customer service and the coverage that I get. Insurance is never a pleasant process but they make it as painless as possible.
Geico
We have a better coverage with our insurance premiums than our previous insurance ( Allstate ) We save a considerable more amount on this policy with Geico compared to the previous policy we had with Allstate.
We have a better coverage with our insurance premiums than our previous insurance ( Allstate ) We save a considerable more amount on this policy with Geico compared to the previous policy we had with Allstate.
Travelers Auto Insurance, Charlottesville, VA
$55/1 month
Car Insurance Policy Holder
- Married 23 Years old Female licensed 6 years ago with Own Toyota Prius used for Business with estimated annual mileage of 3,001 - 5,000.
- vocational education & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $100K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
- 20 K Property Damage
- 200 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Chubb Group Of Insurance, Charlottesville, VA
$54/1 month
Car Insurance Policy Holder
- Divorced 61 Years old Female licensed 45 years ago with Financed Toyota Camry SE used for Commute to Work or School with estimated annual mileage of 5,001 - 6,000.
- high school education & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 20 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Liberty Mutual, Charlottesville, VA
$47/1 month
Car Insurance Policy Holder
- Married 42 Years old Male licensed 14 years ago with Leased Dodge, Durango R/T, 4 Door 4WD Wagon used for Business with estimated annual mileage of 15,001 - 20,000.
- Masters & Full Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Liberty Mutual, Charlottesville, VA
$911/12 months
Car Insurance Policy Holder
- Single 18 Years old Female licensed 2 years ago with Own Honda, Pilot LX, 5 Door 2WD SUV used for Business with estimated annual mileage of 20,001+.
- High School & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Farmers Auto Insurance, Charlottesville, VA
$687/12 months
Car Insurance Policy Holder
- Divorced 36 Years old Female licensed 17 years ago with Financed Hyundai, Accent GS, 5 Door Hatchback used for Commute to Work or School with estimated annual mileage of 7,501 - 9,000.
- Vocational & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 2 people are part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 100 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Allstate Auto Insurance, Charlottesville, VA
$817/12 months
Car Insurance Policy Holder
- Single 20 Years old Female licensed 5 years ago with Own Hyundai, Sonata SE, 4 Door Sedan Turbo used for Business with estimated annual mileage of 12,001 - 15,000.
- Vocational & Part Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Erie Insurance Group, Charlottesville, VA
$732/12 months
Car Insurance Policy Holder
- Single 58 Years old Male licensed 5 years ago with Financed Mini, Cooper, 2 Door Hatchback used for Commute to Work or School with estimated annual mileage of 20,001+.
- Associate, pursuing Bachelors Degree & Freelancer.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Erie Insurance Group, Charlottesville, VA
$719/12 months
Car Insurance Policy Holder
- Single 29 Years old Male licensed 13 years ago with Own BMW, 535i, 4 Door Sedan used for Business with estimated annual mileage of 12,001 - 15,000.
- Doctors & Full Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
- 20 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Charlottesville Car Insurance Rate Comparisons
Charlottesville, VA's average car insurance of $1080 differs from Rio, VA (-$20), Esmont, VA (+$680), Gordonsville, VA (+$580) and Virginia (+$242)
| Charlottesville | Rio, VA | Esmont, VA | Gordonsville, VA | Virginia | |
| Median Insurance Rates | $1080 | -$20 | +$680 | +$580 | +$242 |
Charlottesville Car Insurance Savings By Neighborhood & Street Area
| Charlottesville Driver Street Residence & Car Locations | Car Details in Charlottesville | Charlottesville Driver Demographics | Charlottesville Auto Insurance Estimates | Recent Charlottesville Insurance Savings |
|---|---|---|---|---|
| West View Terrace | ||||
| Virginia Manor | 2004 GMC Yukon XL 1500 | 37 year married woman | $896 | $323 |
| Laurel Cir | 2005 Mazda MAZDA3 s | 51 year married man | $1422 | $564 |
| Pine St | 2006 Acura TSX Base | 34 year man | $1737 | $385 |
| Other Area | ||||
| Ricky Dr | 2006 Buick Rendezvous CX | 19 year teenager | $3240 | $551 |
| Co Rd 631 | 2010 Ford Fusion SE | 61 year male senior | $1710 | $785 |
| Lester Dr | 2002 Chevrolet Silverado 2500HD Base | 74 year senior | $1608 | $790 |
| Woolen Mills | ||||
| Bolling Ave | 2007 Chrysler 300 Touring | 77 year female senior | $1414 | $574 |
| Altavista Ave | 2013 Nissan Rogue S | 16 year female teenager | $2997 | $505 |
| Vinegar Hill | ||||
| 11th St NW | 2013 Hyundai Sonata GLS | 33 year woman | $956 | $387 |
| Page St | 2014 Volkswagen Jetta S | 18 year male teenager | $3518 | $869 |
Charlottesville Post DUI Car Insurance Rates
| Charlottesville | Jack Jouett | Esmont | Hollymead | Virginia | |
| Median Post DUI Insurance Rate | $2008 | -$390 | +$1265 | -$316 | +$450 |
| Male Teenager Post DUI Insurance Rate | $7432 | -$1445 | +$4680 | -$1170 | +$1665 |
| Female Teenager Post DUI Insurance Rate | $6026 | -$1172 | +$3794 | -$949 | +$1350 |
The Post DUI insurance in Charlottesville, VA's is $2008 compared to Jack Jouett (-$390), Esmont (+$1265), Hollymead (-$316) and Virginia (+$450)
In Charlottesville, a male teenager with Post DUI pays $1406 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Acura TSX Base in Charlottesville, VA would pay $7032 on auto insurance while a female teenager POST DUI would pay $5702.
Charlottesville Car Insurance by Segment
Charlottesville Teenagers Car Insurance Rates Comparison
3256 Charlottesville Teenagers (7% of total population), 56% Male & 44% Female.
| Charlottesville | Lake Monticello | Ivy | Scottsville | Virginia | |
| All Teenagers | $3564 | +$924 | +$2442 | +$330 | +$798 |
| Male Teenager | $3996 | +$1036 | +$2738 | +$370 | +$895 |
| Female Teenager | $3240 | +$840 | +$2220 | +$300 | +$726 |
Charlottesville teenagers pay $3564 in insurance in contrast with Lake Monticello (+$924), Ivy (+$2442), Scottsville (+$330) and Virginia (+$798). The difference between Male & Female teenagers in Charlottesville is $756
Example
- 2013 Honda Civic LX Male Teenager Insurance Rate $3478
- 2013 Toyota Prius Two Female Teenager Insurance Rate $2940
Charlottesville Men & Women Car Insurance
43223 Charlottesville Adults (100% of total population), 48% Men & 52% Women.
| Charlottesville | Free Union | Cunningham | Rio | Virginia | |
| All Women | $1004 | +$595 | +$195 | -$19 | +$225 |
| Married Women | $939 | +$557 | +$183 | -$17 | +$211 |
| All Men | $1836 | +$1088 | +$357 | -$34 | +$411 |
| Married Men | $1566 | +$928 | +$304 | -$29 | +$350 |
The typical insurance rate of $1836 that Charlottesville Men pay varies from Free Union (+$1088), Cunningham (+$357), Rio (-$34) and Virginia (+$411). In Charlottesville, married men pay $627 more than married women.
Example
- 2011 Audi A4 2.0T quattro Premium Married Men Insurance Rate $1613
- 2014 Kia Sorento LX Married Women Insurance Rate $1378
Charlottesville Senior Car Insurance
5957 Charlottesville Seniors (13% of total population), 42% Senior Men & 58% Senior Women.
| Charlottesville | Ivy | Albemarle County | Crozet | Virginia | |
| All Seniors | $1674 | +$1147 | -$310 | -$93 | +$375 |
| Senior Men | $1836 | +$1258 | -$340 | -$102 | +$411 |
| Senior Women | $1522 | +$1044 | -$282 | -$84 | +$342 |
Charlottesville seniors pay $1674 in insurance compared to Ivy (+$1147), Albemarle County (-$310), Crozet (-$93) and Virginia (+$375). In Charlottesville, senior men pay $314 more than senior women.
Charlottesville Car Insurance Discounts for Multiple Vehicles
Charlottesville Population with 1 Vehicle 7168 (41% of Charlottesville population), 2 Vehicles 5746 (33% of the Charlottesville population) and 3 vehicles 1731 (10% of the population)
| Charlottesville | Crozet | Green Spring | Esmont | Virginia | |
| 2 Vehicles | $2052 | -$114 | +$361 | +$1292 | +$460 |
| 3 Vehicles | $3132 | -$174 | +$551 | +$1972 | +$702 |
| 4 Vehicles | $4212 | -$234 | +$741 | +$2652 | +$944 |
Car Insurance Agents in Charlottesville, VA
| Rank | Agent Name | Agent Contact |
|---|---|---|
| 1 | AAA Insurance | 616 Albemarle Sq, Charlottesville, VA 22901 |
| 2 | Able Insurance Agency | 716 W Rio Rd Ste D, Charlottesville, VA 22901 |
| 3 | A C Davis Insurance Agency | 500 Westfield Rd Ste 17, Charlottesville, VA 22901 |
| 4 | Albemarle Insurance Group | 200 Garrett St, Charlottesville, VA 22902 |
| 5 | Bankers Insurance | 315 Old Ivy Way, Charlottesville, VA 22903 |
| 6 | Barbara Crispens | 890 Rio East Ct Ste A, Charlottesville, VA 22901 |
| 7 | BB&T - Barger Insurance | 350 Old Ivy Way Fl 2, Charlottesville, VA 22903 |
| 8 | Brian Bickley | 90 Whitewood Rd Ste 5, Charlottesville, VA 22901 |
| 9 | Byron Brown | 1201 Stoney Ridge Rd Ste 1, Charlottesville, VA 22902 |
| 10 | Canopy Insurance | 2340 Commonwealth Dr Ste A1, Charlottesville, VA 22901 |
Charlottesville Auto Insurance Rates Vary by Deductible
| Low Deductible ($500) | High Deductible ($1000) | |||||
|---|---|---|---|---|---|---|
| Make & Model | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Volkswagen, GTI | $500 | $1130 | $1630 | $1050 | $1550 | $80 |
| Ford, Explorer XLT | $100 | $1200 | $1300 | $1130 | $1230 | $70 |
| Jeep, Grand Cherokee Laredo | $1500 | $1120 | $1620 | $1050 | $2550 | $-930 |
| Fiat, 500 CLounge | $1000 | $1240 | $1740 | $1150 | $2150 | $-410 |
| Hyundai, Accent SE | $300 | $1030 | $1330 | $960 | $1260 | $70 |