Monthly Average Rates by Country, State, and City
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Virginia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Charlottesville typically pay around $108.48 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $167.23 |
| Virginia | $122.24 |
| Charlottesville, Virginia | $108.48 |
Charlottesville, VA Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in Charlottesville coming in around $56.75 per month. Other companies to consider if you live in Charlottesville is Mercury Insurance with an average cost of $70.58 per month and State Farm which typically runs around $85.33 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Charlottesville.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Safeco | $56.75 | -53.58% |
| 2 | Mercury Insurance | $70.58 | -42.26% |
| 3 | State Farm | $85.33 | -30.20% |
| 4 | Utica National Ins Group | $91.93 | -24.80% |
| 5 | USAA | $95.77 | -21.66% |
| 6 | Penn National | $98.02 | -19.82% |
| 7 | Virginia Farm Bureau | $110.17 | -9.88% |
| 8 | ALFA | $111.98 | -8.40% |
| 9 | Nationwide | $112.46 | -8.01% |
| 10 | Erie | $112.60 | -7.89% |
How Much is Car Insurance in Charlottesville, VA?
Rates can vary from city to city. The residents of Alexandria typically pay $143.64 per month while people who live in Arlington will pay $124.55 per month on average. See what people pay for car insurance in other cities in Virginia.
| Virginia Cities | Monthly Average Rate |
|---|---|
| Alexandria | $143.64 |
| Arlington | $124.55 |
| Charlottesville | $108.48 |
| Chesapeake | $122.25 |
| Fairfax | $138.76 |
| Fredericksburg | $122.06 |
| Hampton | $123.94 |
| Henrico | $127.64 |
| Lynchburg | $107.27 |
| Newport News | $129.74 |
| Norfolk | $147.79 |
| Richmond | $141.18 |
| Roanoke | $97.87 |
| Springfield | $125.70 |
| Virginia Beach | $125.36 |
Cheap Car Insurance in Charlottesville by Zip Codes
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Virginia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
| Charlottesville, VA ZIP Code | Average Monthly Rate |
|---|---|
| 22901 | $102.76 |
| 22902 | $123.40 |
| 22903 | $111.72 |
| 22904 | $148.22 |
| 22911 | $90.85 |
Car Insurance Rates by Driver's Age Group in Charlottesville
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $175.54 per month in Charlottesville. Compare that to drivers in their 30’s who typically pay around $100.27 per month drivers in their 40s at $73.46 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $175.54 |
| 20s | $153.77 |
| 30s | $100.27 |
| 40s | $73.46 |
| 50s | $82.27 |
| 60s | $66.91 |
| 70+ | $87.75 |
Cheapest Insurance for Teenage Drivers in Charlottesville
If you are teen in Charlottesville you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $172.18 per month. This is likely the most affordable option in Charlottesville. You might also want to consider USAA and Erie who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| State Farm | $172.18 |
| USAA | $173.39 |
| Erie | $173.97 |
| Virginia Farm Bureau | $177.88 |
| Penn National | $206.95 |
Cheapest Insurance for 20 Year-olds in Charlottesville
20 year-olds in Charlottesville might want to consider Utica National Ins Group who, on average, offers car insurance rates around $91.22 per month. Mercury Insurance , State Farm , Chubb and USAA are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Utica National Ins Group | $91.22 |
| Mercury Insurance | $93.67 |
| State Farm | $111.09 |
| Chubb | $112.11 |
| USAA | $116.98 |
Cheapest Insurance for 30 Year-olds in Charlottesville
If you are in your 30s in Charlottesville our research has found that Utica National Ins Group typically has the most affordable coverage coming in around $56.50 per month, followed by Direct Auto at $70.93 and State Farm at $79.77.
| Company | Average Monthly Rate |
|---|---|
| Utica National Ins Group | $56.50 |
| Direct Auto | $70.93 |
| State Farm | $79.77 |
| ALFA | $81.58 |
| USAA | $85.54 |
Cheapest Insurance for 40 Year-olds in Charlottesville
On average, Mercury Insurance offers car insurance for 40 year-olds in Charlottesville for around $41.33 per month. If you are looking for affordable coverage, you may also want to consider Liberty Mutual or USAA. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Mercury Insurance | $41.33 |
| Liberty Mutual | $55.93 |
| USAA | $71.19 |
| Penn National | $72.06 |
| Nationwide | $75.42 |
Cheapest Insurance for 50 Year-olds in Charlottesville
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Charlottesville we found that Clearcover generally offers the most affordable coverage at $55.89 per month.
| Company | Average Monthly Rate |
|---|---|
| Clearcover | $55.89 |
| State Farm | $60.02 |
| Penn National | $63.10 |
| USAA | $64.22 |
| Mercury Insurance | $65.00 |
Cheapest Insurance for 60 Year-olds in Charlottesville
If you live in Charlottesville and you’re in your 60s, our data indicates that Utica National Ins Group usually has the best rates at $54.83 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| Utica National Ins Group | $54.83 |
| ALFA | $76.50 |
| Nationwide | $76.96 |
| National General RAD | $77.42 |
| Penn National | $78.15 |
Driver's Coverage Auto Insurance Rates in Charlottesville, VA
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Charlottesville, the average monthly rate for a driver who is currently insured is $100.76 while drivers who are not currently covered will pay around $122.55.
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $122.55 |
| Currently Insured | $100.76 |
Compare Recent Car Insurance Quotes in Charlottesville
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Charlottesville a driver of a 2023 Kia Sorento can expect to pay around $323.89 per month while someone that owns a 2013 Toyota Corolla may pay around $433.39 per month. Check out the list of recent quotes in Charlottesville below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2023 Kia Sorento | $323.89 |
| 2013 Toyota Corolla | $433.39 |
| 2023 Kia K5 | $245.40 |
| 2014 Toyota Corolla | $64.60 |
| 2012 Honda Pilot | $71.08 |
| 2012 Toyota Camry | $56.77 |
| 2005 Honda Odyssey | $49.07 |
| 2008 Bmw 535 | $68.42 |
FAQ's for Drivers in Charlottesville, VA
What Is the Minimum Liability Coverage Requirement in Charlottesville, VA?
Every state requires drivers to have a minimum amount of liability coverage. Virginia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
- $25,000;Bodily injury coverage per person;Maximum payment for serious injury or death to a single person
- $50,000;Bodily injury coverage per accident;Maximum payment for serious injury or death to more than one person
- $25,000;Property damage per accident;Maximum payment for all damaged property in an accident caused by you
Virginia drivers are not required to carry automobile insurance. Vehicle owners can instead opt to pay $500 to the Department of Motor Vehicles. Failure to insure your vehicle or pay thisuninsured motor vehicle (UMV) feeis a Class 3 misdemeanor and is punishable by fines up to $500.
If you choose to insure your vehicle, Virginia requires at least $25,000 of bodily injury liability coverage per person and $50,000 of bodily injury coverage per accident. Additionally, you have to take out a minimum of $20,000 in property damage liability and carry uninsured motorist insurance in the same amounts as above.
What Is the Blood Alcohol Concentration (BAC) limit in Charlottesville, VA?
It’s against the law to drive in Virginia at the following BAC percentages:
- .08%+ at 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ at under 21 years old
You can be convicted of driving under the influence in Virginia even if the amount of alcohol in your blood has not caused obvious impairment. Moreover, you can be convicted if your BAC is at or above 0.08% or you’re impaired and just sitting in your vehicle with the key in the ignition. Your vehicle does not need to be moving and your ignition can be in the “off” position and you can still be found guilty.
What are the consequences of being convicted of a DUI?
Driving while under the influence of alcohol or drugs in Virginia is a big mistake. Potential penalties for a first offense DUI in Virginia include fines, jail time, court costs, driver’s license revocation, ignition interlock installation for restricted licenses, enrollment in the Virginia Alcohol Safety Action Program (ASAP), and DMV demerit points. High BACs or conviction of a DUI while transporting a minor result in mandatory jail time.
Check Out Other Rates in Charlottesville, VA Nearby Cities:
Harrisonburg, VA |
Lynchburg, VA |
Commute Time in Charlottesville, VA
17.8 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Charlottesville, VA
229
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
About the Author
Fran Majidi Insurance ExpertFran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
