Charlottesville, VA Auto Insurance Rates

Charlottesville, VA residents can save $430 by comparing multiple quotes & reading reviews & research on Charlottesville car insurance rates, quotes, agents & coverage.

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LowestAverageHighest
$783 $1,080 $1,655
Write Your Review | Charlottesville, Virginia Auto Insurance Analysis
Travelers Auto Insurance, Charlottesville, VA
$55/1 month
Car Insurance Policy Holder
  • Married 23 Years old Female licensed 6 years ago with Own Toyota Prius used for Business with estimated annual mileage of 3,001 - 5,000.
  • vocational education & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $100K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 200 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Chubb Group Of Insurance, Charlottesville, VA
$54/1 month
Car Insurance Policy Holder
  • Divorced 61 Years old Female licensed 45 years ago with Financed Toyota Camry SE used for Commute to Work or School with estimated annual mileage of 5,001 - 6,000.
  • high school education & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 100 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Liberty Mutual, Charlottesville, VA
$47/1 month
Car Insurance Policy Holder
  • Married 42 Years old Male licensed 14 years ago with Leased Dodge, Durango R/T, 4 Door 4WD Wagon used for Business with estimated annual mileage of 15,001 - 20,000.
  • Masters & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Liberty Mutual, Charlottesville, VA
$911/12 months
Car Insurance Policy Holder
  • Single 18 Years old Female licensed 2 years ago with Own Honda, Pilot LX, 5 Door 2WD SUV used for Business with estimated annual mileage of 20,001+.
  • High School & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage
Farmers Auto Insurance, Charlottesville, VA
$687/12 months
Car Insurance Policy Holder
  • Divorced 36 Years old Female licensed 17 years ago with Financed Hyundai, Accent GS, 5 Door Hatchback used for Commute to Work or School with estimated annual mileage of 7,501 - 9,000.
  • Vocational & Full Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 2 people are part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 100 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Buying insurance for used cars in Charlottesville

According to the Virginia Motor Vehicle Statistics, the total crashes in Virginia in 2012 were 123,579. Considering this fact, auto insurance is a must for every vehicle owner in Virginia. While buying a used car, you must also factor in insurance costs. The annual average insurance rate in Virginia is $1322. This makes Virginia the 14th least expensive state to buy auto insurance. The average annual insurance rate is slightly lower in Charlottesville, set at $1080.

If you are looking for great deals on used cars in Charlottesville, this feature will help you make an informed decision as to which car to buy.

Let us consider the information given in the table below.

Make Model Year Range Insurance Average ($) Median Price ($) Insurance Percentage (%)
Chevrolet Silverado 2005-2012 984 32,940 2
Ford F-Series 2005-2012 958 29000 3
Honda Accord 2005-2012 929 16,505 5
Honda Civic 2005-2012 1,064 15,574 6
Honda CR-V 2005-2012 846 19,143 4
Nissan Altima 2005-2012 1,081 16,312 6
Toyota Camry 2005-2012 1,008 16,800 6
Toyota Corolla 2005-2012 1,005 15,275 6

One of your most affordable options is the Toyota Corolla. With the lowest median price ($15,275) and affordable average annual insurance rate ($1005) the Corolla is a great choice.

The Honda Civic, too, is a great option. With the second lowest median price in the city and low average insurance, the total cost of purchasing a used Civic is the second lowest.

If you are looking for a full-size pickup, your options are the Ford F-Series and the Chevrolet Silverado. Of the two, the total cost (considering both the cost of the vehicle and one year’s insurance costs) of buying the Ford F-Series is $29,958, while that of the Silverado is $33,924.

Charlottesville Car Insurance Rate Comparisons

Charlottesville, VA's average car insurance of $1080 differs from Rio, VA (-$20), Esmont, VA (+$680), Gordonsville, VA (+$580) and Virginia (+$242)

Charlottesville Rio, VA Esmont, VA Gordonsville, VA Virginia
Median Insurance Rates $1080 -$20 +$680 +$580 +$242

Charlottesville Car Insurance Savings By Neighborhood & Street Area

Charlottesville Driver Street Residence & Car Locations Car Details in Charlottesville Charlottesville Driver Demographics Charlottesville Auto Insurance Estimates Recent Charlottesville Insurance Savings
West View Terrace
Virginia Manor2004 GMC Yukon XL 150037 year married woman$896$323
Laurel Cir2005 Mazda MAZDA3 s51 year married man$1,422$564
Pine St2006 Acura TSX Base34 year man$1,737$385
Other Area
Ricky Dr2006 Buick Rendezvous CX19 year teenager$3,240$551
Co Rd 6312010 Ford Fusion SE61 year male senior$1,710$785
Lester Dr2002 Chevrolet Silverado 2500HD Base74 year senior$1,608$790
Woolen Mills
Bolling Ave2007 Chrysler 300 Touring77 year female senior$1,414$574
Altavista Ave2013 Nissan Rogue S16 year female teenager$2,997$505
Vinegar Hill
11th St NW2013 Hyundai Sonata GLS33 year woman$956$387
Page St2014 Volkswagen Jetta S18 year male teenager$3,518$869

Charlottesville Post DUI Car Insurance Rates

Charlottesville Jack Jouett Esmont Hollymead Virginia
Median Post DUI Insurance Rate $2008 -$390 +$1265 -$316 +$450
Male Teenager Post DUI Insurance Rate $7432 -$1445 +$4680 -$1170 +$1665
Female Teenager Post DUI Insurance Rate $6026 -$1172 +$3794 -$949 +$1350

The Post DUI insurance in Charlottesville, VA's is $2008 compared to Jack Jouett (-$390), Esmont (+$1265), Hollymead (-$316) and Virginia (+$450)

In Charlottesville, a male teenager with Post DUI pays $1406 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Acura TSX Base in Charlottesville, VA would pay $7032 on auto insurance while a female teenager POST DUI would pay $5702.

Charlottesville Car Insurance by Segment

Charlottesville Teenagers Car Insurance Rates Comparison

3256 Charlottesville Teenagers (7% of total population), 56% Male & 44% Female.

Charlottesville Lake Monticello Ivy Scottsville Virginia
All Teenagers $3564 +$924 +$2442 +$330 +$798
Male Teenager $3996 +$1036 +$2738 +$370 +$895
Female Teenager $3240 +$840 +$2220 +$300 +$726

Charlottesville teenagers pay $3564 in insurance in contrast with Lake Monticello (+$924), Ivy (+$2442), Scottsville (+$330) and Virginia (+$798). The difference between Male & Female teenagers in Charlottesville is $756

Example

  • 2013 Honda Civic LX Male Teenager Insurance Rate $3,478
  • 2013 Toyota Prius Two Female Teenager Insurance Rate $2,940

Charlottesville Men & Women Car Insurance

43223 Charlottesville Adults (100% of total population), 48% Men & 52% Women.

Charlottesville Free Union Cunningham Rio Virginia
All Women $1004 +$595 +$195 -$19 +$225
Married Women $939 +$557 +$183 -$17 +$211
All Men $1836 +$1088 +$357 -$34 +$411
Married Men $1566 +$928 +$304 -$29 +$350

The typical insurance rate of $1836 that Charlottesville Men pay varies from Free Union (+$1088), Cunningham (+$357), Rio (-$34) and Virginia (+$411). In Charlottesville, married men pay $627 more than married women.

Example

  • 2011 Audi A4 2.0T quattro Premium Married Men Insurance Rate $1,613
  • 2014 Kia Sorento LX Married Women Insurance Rate $1,378

Charlottesville Senior Car Insurance

5957 Charlottesville Seniors (13% of total population), 42% Senior Men & 58% Senior Women.

Charlottesville Ivy Albemarle County Crozet Virginia
All Seniors $1674 +$1147 -$310 -$93 +$375
Senior Men $1836 +$1258 -$340 -$102 +$411
Senior Women $1522 +$1044 -$282 -$84 +$342

Charlottesville seniors pay $1674 in insurance compared to Ivy (+$1147), Albemarle County (-$310), Crozet (-$93) and Virginia (+$375). In Charlottesville, senior men pay $314 more than senior women.

Charlottesville Car Insurance Discounts for Multiple Vehicles

Charlottesville Population with 1 Vehicle 7168 (41% of Charlottesville population), 2 Vehicles 5746 (33% of the Charlottesville population) and 3 vehicles 1731 (10% of the population)

Charlottesville Crozet Green Spring Esmont Virginia
2 Vehicles $2052 -$114 +$361 +$1292 +$460
3 Vehicles $3132 -$174 +$551 +$1972 +$702
4 Vehicles $4212 -$234 +$741 +$2652 +$944

Car Insurance Agents in Charlottesville, VA

Rank Agent Name Agent Contact
1 AAA Insurance 616 Albemarle Sq, Charlottesville, VA 22901
2 Able Insurance Agency 716 W Rio Rd Ste D, Charlottesville, VA 22901
3 A C Davis Insurance Agency 500 Westfield Rd Ste 17, Charlottesville, VA 22901
4 Albemarle Insurance Group 200 Garrett St, Charlottesville, VA 22902
5 Bankers Insurance 315 Old Ivy Way, Charlottesville, VA 22903
6 Barbara Crispens 890 Rio East Ct Ste A, Charlottesville, VA 22901
7 BB&T - Barger Insurance 350 Old Ivy Way Fl 2, Charlottesville, VA 22903
8 Brian Bickley 90 Whitewood Rd Ste 5, Charlottesville, VA 22901
9 Byron Brown 1201 Stoney Ridge Rd Ste 1, Charlottesville, VA 22902
10 Canopy Insurance 2340 Commonwealth Dr Ste A1, Charlottesville, VA 22901