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

Rio, VA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rio, 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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Factors that can influence the cost of car insurance in Rio, 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.

Rio, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rio, VA with that of other cities in and around Rio.

Rio Hollymead Rivanna Pantops University of Virginia Jack Jouett
Average Insurance Rates $969 $966 $977 $1,134 $976 $980

Rio, 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 Rio, 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)
Rio $998 $843
Hollymead $1,318 $1,114
Jack Jouett $1,446 $1,221
Free Union $1,906 $1,610
Charlottesville $1,556 $1,315
Pantops $1,168 $987
University of Virginia $1,902 $1,607
Rivanna $1,902 $1,607

Rio, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rio, 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 $3,144
20 Years $1,245
30 Years $959
40 Years $923
50 Years $854
60 Years $866
70 Years $1,008

Rio, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rio, 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 $1,686 $252
3 Vehicles $2,529 $378
4 Vehicles $3,372 $504

Savings on 2 Vehicles bundle:$252

Savings on 3 Vehicles bundle:$378

Savings on 4 Vehicles bundle:$504

Rio, 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 Rio, VA.

Location Average Insurance Cost Post DUI Insurance Rate
Rio $969 $1,582
Hollymead $966 $1,577
Jack Jouett $980 $1,600
Free Union $979 $1,598
Charlottesville $960 $1,567
Pantops $1,134 $1,851
University of Virginia $976 $1,593
Rivanna $977 $1,595

Rio, 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) $831
Excellent (740-799) $949
Good (670-739) $1,010
Average (580-669) $1,317
Poor (300-579) $1,581

Rio, 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
George Jaffe Allstate 617 W Main St, Charlottesville, 22903 (434) 293-2886
Towe Insurance Service Inc Liberty Mutual Independent 304 E JEFFERSON ST, CHARLOTTESVILLE, 22902 (434) 295-5191
Bankers Insurance Llc Travelers 630 Peter Jefferson Parkway Ste 300 , Charlottesville, 22911 (434) 260-5119
Hanckel Citizens Insurance Corporation Travelers Historic Downtown Historic Downtown, Charlottesville, 22902 None
Kevin Mann State Farm 1760 Timberwood Blvd, Charlottesville, 22911-7593 434-978-1197
Ins Management Svcs Inc None 688 Seay Rd Manakin-Sabot, Manakin Sabot, 23103 None
Randall Parrish State Farm 3015 River Rd W, Goochland, 23063-3203 804-556-4134

Rio, 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 +$43 $1,012
Driver's Failure In Showing Documents +$94 $1,063
Driving With An Expired Registration +$100 $1,069
Driving At A Considerably Slow Pace +$210 $1,179
Using A Cellphone While Driving +$222 $1,191
Running A Red Light +$226 $1,195
Speeding +$237 $1,206
Driving A Vehicle Without The Required Permission +$301 $1,270
Driving With An Expired/Suspended License +$653 $1,622

Rio, 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 $930
Active Disabling Device $930
Tracking Device $911
Passive Disabling Device $901