Table of contents
How much is car insurance in Blacksburg?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Blacksburg typically costs about $9 a month less than it does in the rest of Virginia.
When stacked up against the national average, the average monthly policy payment for Blacksburg is more affordable. It's around $30 less to insure your vehicle compared to the average rate for the United States as a whole.
These rates may be the average amount residents of Blacksburg pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Blacksburg residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $24 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up in Blacksburg.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Blacksburg, male drivers pay about $11 more per month. Based on the chart above, you can see that female drivers pay around $43 on average, while male drivers typically pay $54 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Blacksburg, having a single accident on your record will usually get you rates around $68 a month. In addition, drivers with one ticket can expect to pay around $63 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$44|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Blacksburg, with drivers paying around $39 per month to insure their vehicle.
Car owners will see a monthly rate of about $51, while SUV owners typically pay around $48 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop 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)||$52|
More often than not, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Blacksburg can be as much as $11 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$44|
Another factor taken into consideration is your housing status. In Blacksburg, homeowners can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Blacksburg, VA
Recent trends in car insurance for Blacksburg drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of insurance in Blacksburg decreased from 2016-2017, before steadying out in 2018. Rates finished down in 2021, at $49 per month
How does Blacksburg compare to neighboring areas?
Why are car insurance rates in Blacksburg different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking accessibility
- Local crime rates
- Total number of drivers
- Road Safety (how many accidents each locality has)
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. 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 to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies 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 gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Blacksburg different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Blacksburg or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?