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How much is car insurance in Blacksburg?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Blacksburg is about $15 cheaper than it is in the rest of South Carolina.
That being said Blacksburg residents should prepare to pay higher rates for coverage than the rest of the country. It's about $4 more expensive than the national average to insure your vehicle in Blacksburg.
Bear in mind that while these are the average car insurance rates for Blacksburg, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Blacksburg and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $55 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may rise again in Blacksburg.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Blacksburg, male drivers pay about $11 more a month. As you can see in the table above, male drivers in the area typically pay $91 on average, while female drivers typically pay $80 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Blacksburg, a driving record with a single accident will usually get you a rate around $109 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $79 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$76|
If you look at the first table above, the cheapest vehicles to insure in Blacksburg are by and large trucks and vans, at $76 per month.
SUV drivers will see rates of about $85 to insure their car, while car owners usually pay around $87 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Blacksburg, vehicles four-to-five years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Blacksburg are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor taken into consideration is your living situation. In Blacksburg, homeowners can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Blacksburg, SC
Recent trends in car insurance for Blacksburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Blacksburg declined from 2016-2017, and again, from 2019-2020. Car insurance rates finished up in 2021, at $101 a month.
How does Blacksburg compare to neighboring areas?
Why are car insurance rates in Blacksburg different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Road Safety (how many accidents each locality has)
- Area crime rates
- Amount of off-street parking
- Total amount of drivers in the area
- Area laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Blacksburg?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Blacksburg.
Blacksburg Insurance FAQs
What factors affect car insurance quotes in Blacksburg?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Blacksburg different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Blacksburg?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Blacksburg?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Blacksburg or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.