Compare Charlottesville, VA Car Insurance Rates (2021)

Car insurance in Charlottesville, VA averages $192 a month. Charlottesville, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Charlottesville car insurance rates, compare quotes from the top car insurance companies in Charlottesville, VA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charlottesville for teen drivers is GEICO
  • The cheapest ZIP code in Charlottesville is 22901
  • The cheapest car insurance company in Charlottesville is USAA

If you need to buy Charlottesville, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Charlottesville, VA is right here.

You’ll find Charlottesville car insurance rates, the cheapest Charlottesville, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Charlottesville, Virginia car insurance rates to Portsmouth car insurance rates, Alexandria car insurance rates, and Hampton car insurance rates.

Ready to find affordable Charlottesville, VA car insurance today? Enter your ZIP code for fast, free Charlottesville car insurance quotes.

Cheapest Charlottesville, VA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charlottesville, VA car insurance rates? Every Charlottesville, Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlottesville, Virginia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,955 $1,846 $1,944 $1,944 $6,132 $7,059 $2,542 $2,547
GEICO $1,463 $1,464 $1,386 $1,386 $3,070 $4,128 $1,701 $1,688
Nationwide $1,461 $1,471 $1,295 $1,332 $3,470 $4,482 $1,611 $1,756
Progressive $1,195 $1,135 $1,085 $1,087 $5,572 $6,249 $1,448 $1,480
State Farm $1,324 $1,324 $1,195 $1,195 $4,028 $5,047 $1,497 $1,730
USAA $1,133 $1,115 $1,063 $1,068 $3,527 $4,187 $1,457 $1,600

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Minimum Car Insurance in Charlottesville, VA

Every driver must carry the minimum car insurance in Charlottesville, VA. Take a look at the Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Charlottesville, Virginia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Charlottesville, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlottesville, VA. Compare credit history car insurance rates in Charlottesville from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charlottesville, Virginia

Insurance Company Poor Fair Good
Allstate $3,950 $3,174 $2,615
GEICO $2,262 $1,923 $1,923
Nationwide $2,502 $2,006 $1,820
Progressive $2,674 $2,348 $2,197
State Farm $3,082 $1,911 $1,510
USAA $2,528 $1,727 $1,427

Cheapest Charlottesville, VA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlottesville, VA to rates for a clean record with top companies.

Annual Charlottesville, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,431 $3,863 $3,561 $3,130
GEICO $1,542 $2,007 $3,052 $1,542
Nationwide $1,833 $1,833 $2,692 $2,082
Progressive $2,049 $2,735 $2,451 $2,390
State Farm $1,977 $2,358 $2,167 $2,167
USAA $1,465 $1,907 $2,515 $1,688

Cheapest Charlottesville, VA Car Insurance for Teen Drivers

Teen car insurance in Charlottesville, VA can be expensive. Take a look at rates from the top car insurance companies in Charlottesville for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charlottesville, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,132 $7,059
GEICO $3,070 $4,128
Nationwide $3,470 $4,482
Progressive $5,572 $6,249
State Farm $4,028 $5,047
USAA $3,527 $4,187

Cheapest Charlottesville, VA Car Insurance for Seniors

Take a look at Charlottesville, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charlottesville, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,944 $1,944
GEICO $1,386 $1,386
Nationwide $1,295 $1,332
Progressive $1,085 $1,087
State Farm $1,195 $1,195
USAA $1,063 $1,068

Cheapest Charlottesville, VA Car Insurance Rates After a DUI

A DUI in Charlottesville, VA increases car insurance rates. Compare Charlottesville, Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlottesville, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,561
GEICO $3,052
Nationwide $2,692
Progressive $2,451
State Farm $2,167
USAA $2,515

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Cheapest Charlottesville, VA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charlottesville, VA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charlottesville, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,149 $3,343
GEICO $1,998 $2,074
Nationwide $2,110 $2,110
Progressive $2,406 $2,406
State Farm $2,115 $2,220
USAA $1,824 $1,964

Cheapest Charlottesville, VA Car Insurance Rates by ZIP Code

Charlottesville car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Charlottesville, VA.

Annual Car Insurance Rates by ZIP Code in Charlottesville, Virginia

ZIP Code Average Annual Rates
22901 $1,980
22902 $1,995
22903 $1,984
22911 $2,046

The Best Cheap Car Insurance Companies in Charlottesville, VA

Take a look at a side-by-side comparison of the top car insurance companies in Charlottesville, VA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charlottesville, Virginia

Insurance Company Average Annual Rates
Allstate $3,246
GEICO $2,036
Nationwide $2,110
Progressive $2,406
State Farm $2,167
USAA $1,894

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Category Winners: Cheapest Car Insurance in Charlottesville, Virginia

Find the cheapest car insurance companies in Charlottesville, VA for each category right here.

Best Annual Car Insurance Rates by Company in Charlottesville, Virginia

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Charlottesville, VA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charlottesville car insurance rates. Find the cheapest Charlottesville, VA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlottesville, Virginia

Insurance Company Low Medium High
Allstate $3,163 $3,247 $3,328
GEICO $1,969 $2,035 $2,104
Nationwide $2,223 $2,088 $2,018
Progressive $2,314 $2,384 $2,521
State Farm $2,043 $2,164 $2,296
USAA $1,813 $1,897 $1,971

What affects car insurance rates in Charlottesville, Virginia?

What factors can have an impact on Charlottesville, VA car insurance? There are several reasons why Charlottesville car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charlottesville, Virginia.

Commute Time in Charlottesville

The more time you spend in your car the higher the risk of an accident. The average commute length in Charlottesville, VA is 17.0 minutes according to City-Data.

Traffic in Charlottesville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charlottesville, VA traffic data from INRIX ranks Charlottesville as the 303rd-most congested in the world.

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Compare Car Insurance Quotes in Charlottesville, VA

Ready to find affordable Charlottesville, Virginia car insurance today? Enter your ZIP code for fast, free Charlottesville, VA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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