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How much is car insurance in Christiansburg?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Christiansburg is about $13 cheaper than it is in the rest of Virginia.
Similarly, the expected monthly payments for an auto insurance policy in Christiansburg are below the national average. The average monthly payment for the U.S. as a whole is about $33 more expensive than in Christiansburg.
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 for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Christiansburg to help you understand what your policy's monthly premium will cost. If you think you might be overpaying for insurance in your area, 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? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up in Christiansburg.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Christiansburg is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Christiansburg, drivers with one accident on their record will experience rates around $71 a month. In addition, drivers with a single ticket on their record can expect to pay around $48 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$47|
As you can see in the first table above, the cheapest vehicles to insure in Christiansburg are typically trucks and vans, which run about $44 per month.
The cost of auto insurance for car and SUV owners in Christiansburg usually comes out to about $49 per month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Christiansburg, 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|
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 award special discounts for.
According to the table above, the difference in rates based on relationship status in Christiansburg can be as much as $14 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 situation is another factor that affects your monthly rate. If you rent your home or apartment in Christiansburg, expect to pay around $13 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Christiansburg, VA
Recent trends in car insurance for Christiansburg drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Christiansburg, car insurance rates had been increasing from 2017-2018, when they reached a high of $57. This leveled out in 2019, when rates began to decrease. They hit a low of $39 in 2020, and finished down in 2022, at $42 a month.
How does Christiansburg compare to neighboring areas?
Why are car insurance rates in Christiansburg different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Community laws
- Number of drivers in the community
- Road Safety (frequency of local car accidents)
- Access to off-street parking
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Christiansburg?
While knowing 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.
But wait! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering 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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Christiansburg different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Christiansburg?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Christiansburg 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.