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How much is car insurance in Christiansburg?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Christiansburg is about $12 a month cheaper than it is for the rest of Virginia.
If you're thinking of moving to Christiansburg from out of state, you may still be in luck. It's about $33 cheaper than the national average to insure your vehicle in Christiansburg.
Although these are the average rates for auto insurance in Christiansburg, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to 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.
But don't worry, we've broken down the average rate for Christiansburg residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. 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|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Christiansburg.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Christiansburg, where male drivers pay about $5 more a month. As illustrated in the table above, male drivers in the area pay about $50 on average, while female drivers pay around $45 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. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Christiansburg with a single accident on their record will usually see rates around $64 a month. Likewise, drivers with one ticket will be looking at a rate of around $72 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$48|
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 Christiansburg, with drivers paying around $44 per month for auto insurance.
SUV drivers will see rates of about $49, while the rates for car owners average out to about $47 per month.
Your vehicle's age also plays a role in your monthly payment. 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 drop back down. The most expensive vehicles to insure in Christiansburg are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Christiansburg can be as much as $17 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Christiansburg. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Christiansburg, VA
Recent trends in car insurance for Christiansburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for auto insurance in Christiansburg increased from from 2016-2018, when they reached a high of $57. This leveled out in 2019, when policy premiums began to decrease. They hit a low of $39 in 2020, and finished up in 2021, at $42.
How does Christiansburg compare to neighboring areas?
Why are car insurance rates in Christiansburg different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Local laws
- Amount of drivers in the region
- Road Safety (frequency of local car accidents)
- Regional crime rates
- Off-street parking access
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Christiansburg?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Christiansburg.
Christiansburg Insurance FAQs
What factors affect car insurance quotes in Christiansburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Christiansburg different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Christiansburg?
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 Christiansburg?
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. 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 Christiansburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?