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How much is car insurance in Charlottesville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $16 a month cheaper to insure your vehicle in Charlottesville than it is in the rest of Virginia.
Similarly, when compared to the national average, the cost for auto insurance in Charlottesville is lower. Car insurance rates for the U.S. as a whole are, on average, $36 more expensive than the rates you'd pay in Charlottesville.
Although these are the average monthly costs for an auto insurance policy in Charlottesville, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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.
But don't worry, we've broken down the average rate for Charlottesville 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 below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay about $18 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates creep back up a bit in Charlottesville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. While this isn't true in Charlottesville, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Charlottesville with one accident will pay around $55 a month. In addition, drivers with one ticket can expect to pay around $53 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$45|
The most affordable vehicles to insure in Charlottesville are typically trucks and vans, which run about $37 per month.
SUV drivers will see rates of about $44, while the rates for car owners average out to about $46 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Charlottesville, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
On average, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
While married drivers normally pay less for auto insurance than single drivers, Charlottesville bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $8 a month more than those who own their own home in Charlottesville. 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 overall costs.
Car Insurance Companies in Charlottesville, VA
Recent trends in car insurance for Charlottesville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Charlottesville, car insurance rates rose steadily from 2017-2021. They finished down in 2022, at $47.
How does Charlottesville compare to neighboring areas?
Why are car insurance rates in Charlottesville different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Road Safety (total number of local car accidents)
- Amount of drivers in the area
- Availability of off-street parking
- Area regulations
- Crime levels
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Charlottesville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Charlottesville.
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Charlottesville Insurance FAQs
What factors affect car insurance quotes in Charlottesville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Charlottesville 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 Charlottesville?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Charlottesville?
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 Charlottesville 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.
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