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Get Cheap Car Insurance in Charlottsville, PA
We monitor insurance prices, helping the average driver in Charlottsville save up to 35.9% on car insurance.
The Cheapest Minimum Coverage in Charlottsville
The chart below shows the cheapest car insurance company in Charlottsville 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 Kemper, followed by Metromile, Travelers, and State Farm.
| Charlottsville Insurer | Monthly Cost |
|---|---|
| Kemper | $49 |
| Metromile | $49 |
| Travelers | $50 |
| State Farm | $52 |
Savings for Every Kind of Charlottsville Driver
Based on our extensive insurance data, we know the average Charlottsville driver will save about 28% 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 $371 per year by choosing the right vehicle insurance company. Some Charlottsville residents are paying out over $1,322 extra every year for auto insurance in Charlottsville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Charlottsville, PA Savings / Yr. |
|---|---|
$371 |
|
$656 |
|
$502 |
|
$598 |
|
$1,532 |
|
$265 |
|
$474 |
Charlottsville Car Insurance vs. Pennsylvania
People living in Charlottsville pay an average of 7.28% less than the typical driver in the state. The average driver in Charlottsville can expect to pay about $820 per year, or $1,322 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Charlottsville for most people.
Car Insurance Prices by Charlottsville Neighborhood
Insurance Prices
Where is insurance cheapest within Charlottsville?
The map shows insurance prices in and around Charlottsville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $6 per year within the city boundaries, with insurance premiums ranging from a high of $1,323 to a low of $1,317. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Charlottsville.Pick the Best Car Insurance Company for You in Charlottsville
The best car insurance provider for most drivers in Charlottsville
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $371 over the average Charlottsville car insurance company.
The best car insurance provider for Charlottsville 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 $656 over the competition.
The best car insurance company for Charlottsville drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $502 better than other car insurance companies.
The best auto insurance for Charlottsville drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $598 less each year.
The least expensive car insurance company for new and young drivers in Charlottsville
In Charlottsville, Travelers costs young drivers $1,532 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Charlottsville
State Farm gave the largest car insurance discounts to married couples, averaging $265 saved each year compared to an average Charlottsville couple's premiums.
The cheapest car insurance in Charlottsville for drivers with bad credit
The best Charlottsville car insurance company for customer service
Nationwide was the best company for customer service in Charlottsville according to the NAIC.
Recent price drops
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The cheapest large national provider in Charlottsville
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Charlottsville driver can expect to pay about $86 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 Charlottsville, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with accidents, and married couples.Auto Insurance Prices in and Around Charlottsville
What Influences the Cost of Car Insurance in Charlottsville?
On average, car insurance in Charlottsville 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 Charlottsville is 25 minutes, which is far less than average for a driver in the state.
- Pennsylvania 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 Charlottsville are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Charlottsville has an average population density 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 Charlottsville is $68 per month for minimum coverage and $110 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
- Tyrone: Insurance costs 1.06% more
- Skelp: Insurance costs 0.08% more
- Shoenberger: Insurance costs 0.08% more
- Birmingham: Insurance costs 1.21% less
- Tipton: Insurance costs 0.98% more
- Vail: Insurance costs 0.91% less
- Northwood: Insurance costs 1.51% more
- Bellwood: Insurance costs 0.61% less
- Bald Eagle: Insurance costs 0.68% more
- Spruce Creek: Insurance costs 0.53% less
Cities with Similar Populations
- Caile: Insurance costs 28.06% more
- Rough And Ready: Insurance costs 1.13% more
- Domingo: Insurance costs 14.98% more
- Harvard: Insurance costs 70.50% more
- Hawversville: Insurance costs 69.36% more
- Sanford: Insurance costs 63.54% more
- Santa Cruz: Insurance costs 33.36% more
- Santiago: Insurance costs 2.27% less
- Sasabe: Insurance costs 15.66% more
- Solitude: Insurance costs 4.69% more