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Get Cheap Car Insurance in Charlottesville, VA
We monitor insurance prices, helping the average driver in Charlottesville save up to 38.8% on car insurance.
The Cheapest Minimum Coverage in Charlottesville
The chart below shows the cheapest car insurance company in Charlottesville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Farm Bureau, and Safeco Insurance.
| Charlottesville Insurer | Monthly Cost |
|---|---|
| Metromile | $43 |
| Geico | $49 |
| Farm Bureau | $52 |
| Safeco Insurance | $55 |
Savings for Every Kind of Charlottesville Driver
Based on our extensive insurance data, we know the average Charlottesville driver will save about 38% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $452 per year by choosing the right vehicle insurance company. Some Charlottesville residents are paying out over $1,200 extra every year for auto insurance in Charlottesville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Charlottesville, VA Savings / Yr. |
|---|---|
$452 |
|
$772 |
|
$661 |
|
$646 |
|
$1,057 |
|
$242 |
|
$435 |
Charlottesville Car Insurance vs. Virginia
People living in Charlottesville pay an average of 1.25% less than the typical driver in the state. The average driver in Charlottesville can expect to pay about $830 per year, or $1,200 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Charlottesville for most people.
Car Insurance Prices by Charlottesville Neighborhood
Insurance Prices
Where is insurance cheapest within Charlottesville?
The map shows insurance prices in and around Charlottesville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $221 per year within the city boundaries, with insurance premiums ranging from a high of $1,352 to a low of $1,131. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Charlottesville.Pick the Best Car Insurance Company for You in Charlottesville
The best car insurance provider for most drivers in Charlottesville
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $452 over the average Charlottesville car insurance company.
The best car insurance provider for Charlottesville drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $772 over the competition.
The best car insurance company for Charlottesville drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $661 better than other car insurance companies.
The best auto insurance for Charlottesville drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $646 less each year.
The least expensive car insurance company for new and young drivers in Charlottesville
In Charlottesville, Erie Insurance costs young drivers $1,057 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Charlottesville
Farm Bureau gave the largest car insurance discounts to married couples, averaging $242 saved each year compared to an average Charlottesville couple's premiums.
The cheapest car insurance in Charlottesville for drivers with bad credit
The best Charlottesville car insurance company for customer service
Nationwide was the best company for customer service in Charlottesville according to the NAIC.
Recent price drops
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The cheapest large national provider in Charlottesville
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Charlottesville driver can expect to pay about $89 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Charlottesville, USAA has the best prices for young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Charlottesville
What Influences the Cost of Car Insurance in Charlottesville?
On average, car insurance in Charlottesville is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Charlottesville is 23 minutes, which is far less than average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Charlottesville are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Charlottesville is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Charlottesville is $69 per month for minimum coverage and $100 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Ivy: Insurance costs 3.00% less
- Hollymead: Insurance costs 3.67% less
- Earlysville: Insurance costs 2.42% less
- Keswick: Insurance costs 1.92% less
- Yancey Mills: Insurance costs 2.83% less
- North Garden: Insurance costs 2.17% less
- Woodridge: Insurance costs 2.17% less
- Batesville: Insurance costs 2.50% less
- Free Union: Insurance costs 2.50% less
- Burnley: Insurance costs 2.25% less
Cities with Similar Populations
- Sumter: Insurance costs 40.17% more
- Tallahassee: Insurance costs 107.67% more
- Suwanee: Insurance costs 63.67% more
- Tacoma: Insurance costs 37.17% more
- Tampa: Insurance costs 137.08% more
- Stockbridge: Insurance costs 69.50% more
- Stone Mountain: Insurance costs 91.50% more
- Sterling Heights: Insurance costs 165.17% more
- Stockton: Insurance costs 78.58% more
- Stafford: Insurance costs 6.50% more