Blacksburg, VA Car Insurance

Residents of Blacksburg pay around $50 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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How does Blacksburg compare to the surrounding area and the rest of Virginia? How much can residents of Blacksburg expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Blacksburg?

Area Average Monthly Car Insurance Premium
Blacksburg$50
VA$61
United States$81

Car insurance coverage in Blacksburg is about $11 cheaper than it is in the rest of Virginia.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Blacksburg is rather affordable. You can expect to pay about $31 below the national average for auto insurance in Blacksburg.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

Don't worry, we've done the work for you and broken down the average rates for Blacksburg to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$65
25-34$39
35-44$45
45-54$43
55-64$32
65+$42

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $23 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates start to rise again in Blacksburg.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$44

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Blacksburg, male drivers pay about $9 more a month. As illustrated in the table above, female drivers in the area pay about $44 on average, while male drivers pay around $53 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$65
1 Ticket$65
Multiple Tickets$47

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Blacksburg, drivers with one accident on their record will experience rates around $68 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $65 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$51
4-5 Years$71
6-7 Years$51
8-10 Years$48
11-14 Years$50
15 Years or Older$46

If you look at the first table above, the cheapest vehicles to insure in Blacksburg are by and large trucks and vans, at $41 per month.

SUV drivers will see rates of about $52, while the rates for car owners average out to about $50 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Blacksburg, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$41
Divorced$44
Widowed$31

Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Blacksburg as well, where the difference is around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$53
Live with parents$44

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $13 a month more than homeowners in Blacksburg. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Blacksburg, VA

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of car insurance coverage in Blacksburg went up from 2017-2018, before leveling out in 2019. Insurance rates finished down in 2022, at $51 a month

How does Blacksburg compare to neighboring areas?

Why are car insurance rates in Blacksburg different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Off-street parking access
  • Number of drivers in the community
  • Crime rates
  • Area laws
  • Rate of car accidents

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Blacksburg?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just type in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Blacksburg.


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Blacksburg Insurance FAQs

What factors affect car insurance quotes in Blacksburg?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Blacksburg different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Blacksburg?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Blacksburg?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Blacksburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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