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Cheapest car insurance in Blacksburg, Virginia (Nov 2024)
Cheapest car insurance in Blacksburg, Virginia (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Blacksburg, Virginia.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Blacksburg
- Best Car Insurance Companies in Blacksburg
- Best cheap car insurance quotes in Blacksburg
- Average cost of car insurance in Blacksburg
- Car insurance quotes in Blacksburg by rating factors
- How do different factors impact your car insurance costs in Blacksburg?
- Cheap car insurance quotes in Blacksburg after driving violations
- Cheap car insurance quotes in Blacksburg by age
- Cheap car insurance quotes in Blacksburg based on insurance history
- Cheap car insurance quotes in Blacksburg for popular cars
- How to lower car insurance costs in Blacksburg
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Blacksburg
On average, auto insurance in Blacksburg costs about $81 per month for minimum coverage liability insurance and about $216 per month for full coverage insurance. Blacksburg drivers pay 32% less rates than the average.
With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare
car insurance quotes
.Many Blacksburg drivers have found affordable coverage with help from the
Jerry Insurance Agency
, which aggregates quotes to help drivers pick the best policy. Below are some of the cheapest car insurance quotes Jerry found for our Blacksburg customers. 
Last Updated Nov 16, 2024Best Car Insurance Companies in Blacksburg
Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Blacksburg driver is unique, and so are their premiums.
To find the best rates, you need to
compare quotes
from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you. To help Blacksburg drivers better compare the cheapest car insurance companies, Jerry conducted a major insurance survey. The data reveals that
State Farm
and USAA
tend to offer the lowest premiums in Blacksburg, but you may not be eligible for the best of these rates. The most common insurance companies in Blacksburg are State Farm, USAA, Progressive
, Allstate
, and Nationwide
, but only State Farm’s rates are lower than the Virginia state average.Here’s a look at some real reviews from Blacksburg drivers about their insurance companies.
The table below shows how drivers in Blacksburg rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 3.7 | 3.7 | 4.3 |
Liberty Mutual | 4.2 | 3.6 | N/A | 4.8 |
| Geico | 4.1 | 3.3 | 4.4 | 4.2 |
| State Farm | 4 | 3.5 | 4 | 3.9 |
| Allstate | 3.9 | 4.2 | N/A | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Blacksburg
Virginia laws
require all Blacksburg drivers to carry minimum liability insurance
of 30/60/20, including property damage liability and bodily injury liability coverage.Cheap minimum liability insurance quotes in Blacksburg
Let’s break down the minimum required liability coverage for Blacksburg drivers:
- $60,000 per accident of bodily injury liability coverage
- $20,000 per accident ofproperty damage liability
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires
uninsured motorist (UM) coverage
for all Blacksburg drivers. UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.
Virginia is an at-fault state
. If you get into an accident in Blacksburg with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.Here are the required coverage levels for UM in Blacksburg:
- $60,000 in uninsured motorist bodily injury per accident
- $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no Blacksburg driver is exempt from these requirements.
You can find affordable minimum liability and uninsured motorist coverage in Blacksburg with help from Jerry—like the drivers below.
Glen (31 years old)
$67
per month
Mabel (40 years old)
$138
per month
Gainsco
Lois (29 years old)
$63
per month
Electric
Jose (52 years old)
$170
per month
Do you need more than minimum coverage in Blacksburg?
You won’t be breaking any laws if you stick with the minimums, but many Blacksburg drivers prefer higher limits to get more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car.
Cheap full coverage car insurance quotes in Blacksburg
Did you know that liability coverage only protects other people? Full coverage in Blacksburg is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Blacksburg.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $78 | Sally, 30 Zip: 24060 | Nissan Altima 2.5 |
• 30,000/60,000 Liability • Comp / Collision | Safeco | $113 | Chester, 31 Zip: 24060 | Chevrolet Trax 1LT |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $128 | Devin, 33 Zip: 24060 | Jeep Compass Limited |
• State Minimum Liability • Comp / Collision | State Auto | $106 | Carolyn, 52 Zip: 24060 | Jeep Patriot Latitude |
Last Updated Nov 19, 2024The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Blacksburg
In helping hundreds of Blacksburg drivers find cheaper rates, we found the average cost for minimum liability coverage to be $81 per month or $976 per year.
The average cost for full coverage insurance in Blacksburg is $216 per month or $2,592 per year.
Don’t jump to any conclusions! These are average rates, but you’re probably not the average Blacksburg driver. You might have a better driving history—or maybe a few tickets on your record. Your unique driver profile will be the source of your unique rate.
Car insurance quotes in Blacksburg by rating factors
Insurance companies in Blacksburg use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.
- The kind of car you have: Luxury and sports cars come with higher insurance price tags.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: More frequent usage means higher insurance rates, due to the increase in risk.
How do different factors impact your car insurance costs in Blacksburg?
How do different factors impact your car insurance costs in Blacksburg?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Blacksburg currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Blacksburg:
Cheap car insurance quotes in Blacksburg after driving violations
Driving violations in Blacksburg not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a
high-risk driver
. You can still find coverage, but your policy will cost more than the average Blacksburg driver’s.Cheapest car insurance in Blacksburg after speeding ticket
Break the speed limits in Blacksburg and you’ll be penalized according to how high over the speed limit you were traveling. The
speeding fines
in Virginia increase by mile increments, not to mention the extremely high fines for reckless driving
.But speeding tickets also matter a lot when it comes to insurance rates for Blacksburg drivers.
To
find affordable coverage
with a speeding ticket on your record, turn to Jerry—here’s how we helped other Blacksburg drivers in your position. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Progressive | $594 | Theodore, 20 Zip: 24060 | Hyundai Accent SE | • 30,000/60,000 Liability • Comp / Collision |
Speeding 16-20 | National General | $203 | Ora, 25 Zip: 24060 | Chrysler 300C | • 50,000/100,000 Liability |
Last Updated Nov 20, 2024Cheapest car insurance in Blacksburg after DUI
Virginia considers all intoxicated violations to be DWIs—and the state has
strict laws
with serious penalties. Any DUI conviction in Blacksburg will cause your insurance rates to skyrocket, and some companies might refuse to cover you.Finding insurance in Blacksburg after a DUI can be complicated, but Jerry has helped tons of drivers.
Andre (41 years old)
$84
per month
Belle (34 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24062)
$66
per month
Cheapest car insurance in Blacksburg after an at-fault accident
The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.
Here are some sample insurance rates for Blacksburg drivers who have at-fault accidents on record.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $107 | Garrett, 25 Zip: 24060 | Nissan Xterra OFF Road | • 30,000/60,000 Liability |
Not At Fault | AAA | $63 | Walter, 40 Zip: 24060 | Honda CR-V EX | • 30,000/60,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $132 | Peter, 38 Zip: 24060 | Chevrolet Traverse LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest car insurance in Blacksburg after other driving violations
Breaking even one of the traffic laws in Blacksburg could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.
Check out this list of common traffic violations in Blacksburg, and see how they affect car insurance rates.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Stop | Progressive | $61 | Jennie, 35 Zip: 24060 | Fiat 500 Sport | • 30,000/60,000 Liability • Comp / Collision |
Careless Driving | Gainsco | $137 | Frederick, 25 Zip: 24060 | Chrysler 300C | • 30,000/60,000 Liability |
Failure to Yield | Safeco | $80 | Ophelia, 30 Zip: 24060 | Honda Accord EXL | • State Minimum Liability |
Improper Passing | National General | $203 | Thomas, 25 Zip: 24060 | Chrysler 300C | • 50,000/100,000 Liability |
Last Updated Nov 17, 2024Cheap car insurance quotes in Blacksburg by age
Very old and very young drivers face higher than average rates in Blacksburg. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, expect to pay more for coverage in Blacksburg.
Cheapest car insurance in Blacksburg for young drivers
More specifically,
teen drivers
under the age of 19 or with a provisional license
will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.Here are some real-life examples of young drivers in Blacksburg who got insurance through Jerry.
Randy (23 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24060)
$86
per month
Gussie (24 years old)
$79
per month
Ruby (24 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Blacksburg, VA (Zip Code: 24060)
$72
per month
Clearcover
Gussie (24 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24060)
$114
per month
Cheapest car insurance in Blacksburg for senior drivers
Golden years come with
golden price tags
, unfortunately. Senior drivers are more vulnerable to serious injury in a car accident, which is why car insurance companies charge them more for coverage.Evan (73 years old)
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24060)
$115
per month
Cheap car insurance quotes in Blacksburg based on insurance history
If you don’t maintain car insurance coverage consistently, the companies will see a
lapse in coverage
on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Blacksburg drivers below.
Miguel (24 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24060)
$259
per month
Clearcover
Luke (51 years old)
Currently Insured
Coverage30,000 per person
60,000 per accident bodily injury
Comp / Collision
Blacksburg, VA (Zip Code: 24060)
$121
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Travelers is so quick to send help! And I got a discount for renewing!
Kenya
Always help me out with budget prices
Daniel
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
Briana
By far the cheapest and best insurance, yet fits right into my budget!
Bethane
Cheap car insurance quotes in Blacksburg for drivers with poor credit
While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if
your credit score
is under 600, you can expect to be charged a higher rate for coverage in Blacksburg.| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $110 | Elva, 27 Zip: 24060 | Honda CR-V EX | • 30,000/60,000 Liability • Comp / Collision |
660 - 750 | Progressive | $110 | Alberta, 27 Zip: 24060 | Honda CR-V EX | • 30,000/60,000 Liability • Comp / Collision |
550 - 659 | Assurance America | $137 | Katie, 52 Zip: 24060 | Jeep Patriot Latitude | • 30,000/60,000 Liability • Comp / Collision |
< 550 | Gainsco | $332 | Eddie, 22 Zip: 24060 | Mitsubishi Mirage G4 ES | • 30,000/60,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024Cheap car insurance quotes in Blacksburg for popular cars
The car you drive has a big influence on how much you pay for coverage in Blacksburg. A souped up Range Rover should cost more to insure than a practical
Camry
, right?Here are some of the most popular cars in Blacksburg:
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Toyota RAV4 | Progressive | $86 | Herbert, 23 Zip: 24060 | • 30,000/60,000 Liability • Comp / Collision |
| Honda Accord EX | Nationwide | $62 | Susan, 28 Zip: 24060 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 15, 2024How to lower car insurance costs in Blacksburg
1. Shop around and compare quotes
Every insurance company operates by a unique set of rules to determine your premium, and these rules are in a constant state of flux. Seasoned experts recommend comparing quotes from a minimum of three companies to find the lowest rate. They also say you should
shop around every six months
.Jerry is an insurance comparison app that makes the mind-numbing shopping process a breeze. In 45 seconds, Jerry taps into a vast pool of over 55 top-tier insurance providers.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Drive safely, avoid at-fault accidents, and don’t get any points on your license. If you do this, you could unlock asafe driver discount.
- Telematics discounts. Telematics programs track your driving habits and reward good behavior. You can usually get a discount just for signing up!
- Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
Why is car insurance in Blacksburg so expensive?
Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:
- Cost of car parts
- Traffic accident rates
- Rising medical costs
- Natural disasters
FAQ
How much is car insurance in Blacksburg?
People living in Blacksburg pay on average $81 per month – or $976 per year – on state-minimum liability coverage. Full coverage in Blacksburg costs on average $216 per month of $2,592 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Blacksburg?
Based on thousands of Blacksburg drivers Jerry has worked with, car insurance in Blacksburg costs an average of $81 per month for state-minimum coverage and $216 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Blacksburg?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, State Auto, and The General receive good ratings from Blacksburg drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Blacksburg, Virginia?
The state-minimum car insurance in Blacksburg, Virginia is as follows:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These coverages are commonly referred to as 30/60/20 coverage.
Virginia drivers must carry the same amount of uninsured motorist coverage at 30/60/20.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.