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Cheapest car insurance in Christiansburg, Virginia (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Christiansburg, Virginia.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Cheapest car insurance quotes in Christiansburg

On average, auto insurance in Christiansburg costs about $49 per month for minimum coverage liability insurance and about $105 per month for full coverage insurance. Christiansburg drivers pay less than the state 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 Christiansburg 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 Christiansburg customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$241
Sophie, 20
Zip: 24073
KIA Forte LX
• 30,000/60,000 Liability
• Comp / Collision
Nationwide
$84
Hannah, 36
Zip: 24073
KIA Forte EX
• 50,000/100,000 Liability
• Comp / Collision
AAA
$200
Nancy, 30
Zip: 24073
Mitsubishi Outlander Sport ES
• 30,000/60,000 Liability
• Comp / Collision
Electric
$98
Roger, 24
Zip: 24073
Nissan Xterra OFF Road
• 50,000/100,000 Liability
coverageLast Updated Jul 19, 2024

Best car insurance companies in Christiansburg

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 Christiansburg 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. 
Some of the most affordable state minimum rates were found in Mapfre ($23/month), Allstate ($25/month), and Nationwide ($29/month). Affordable full coverage, on the other hand, was typically found with Nationwide ($72/month), Mercury Auto ($74/month), and Clearcover ($80/month) on average.
Here’s a look at some real reviews from Christiansburg drivers about their insurance companies.
The table below shows how drivers in Christiansburg rate different companies on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Christiansburg

Virginia laws
require all Christiansburg drivers to carry minimum
liability insurance
of 30/60/20, including property damage liability and bodily injury liability coverage.
Drivers must also carry
uninsured motorist coverage
to at least the same limits.   

Cheap minimum liability insurance quotes in Christiansburg

State minimum coverage in the city costs an average of $49 every month, or $588 a year. While you’ll pay affordable rates this way, you may not necessarily get all the coverage you need in the event of a serious crash.
Let’s break down the minimum required liability coverage for Christiansburg drivers:
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 Christiansburg 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 Christiansburg 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 Christiansburg:
  • $30,000 in
    uninsured motorist bodily injury
    per person
  • $60,000 in uninsured motorist bodily injury per accident
  • $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no Christiansburg driver is exempt from these requirements.  
You can find affordable minimum liability and uninsured motorist coverage in Christiansburg with help from Jerry—like the drivers below. 
card cover
Theodore (32 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24073)
carHyundai Sonata SE
$80
per month
card cover
Nathaniel (36 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24073)
carKIA Forte EX
$128
per month
card cover
Jorge (38 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24073)
carHyundai Elantra Touring GLS
$63
per month
card cover
Helen (26 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24073)
carJeep Liberty Sport
$108
per month

Do you need more than minimum coverage in Christiansburg?

You won’t be breaking any laws if you stick with the minimums, but many Christiansburg 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 Christiansburg

Did you know that liability coverage only protects other people? Full coverage in Christiansburg is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
The average cost of full coverage in Christiansburg is $105 per month, or $1,258 every year—and a full coverage policy comes with
comprehensive
and
collision coverage
.
  • 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 Christiansburg.
Here’s a breakdown of Christiansburg
full coverage car insurance costs
.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 30,000/60,000 Liability
• Comp / Collision
Progressive
$241
Sophie, 20
Zip: 24073
KIA Forte LX
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$84
Russell, 36
Zip: 24073
KIA Forte EX
• 30,000/60,000 Liability
• Comp / Collision
Clearcover
$85
Alma, 54
Zip: 24073
Chevrolet Blazer
• 30,000/60,000 Liability
• Comp / Collision
Assurance America
$224
Leo, 28
Zip: 24073
Ford Focus SE
coverageLast Updated Jul 13, 2024
The 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.
Lower my car insurance too!

Average cost of car insurance in Christiansburg

In helping hundreds of Christiansburg drivers find cheaper rates, we found the average cost for minimum liability coverage to be $49 per month or $588 per year.
The average cost for full coverage insurance in Christiansburg is $105 per month or $1,258 per year.
Don’t jump to any conclusions! These are average rates, but you’re probably not the average Christiansburg 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 Christiansburg by rating factors 

Insurance companies in Christiansburg 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 Christiansburg?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Christiansburg currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Christiansburg:

Cheap car insurance quotes in Christiansburg after driving violations

Driving violations in Christiansburg 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 Christiansburg driver’s.

Cheapest car insurance in Christiansburg after speeding ticket

Break the speed limits in Christiansburg 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 Christiansburg drivers. In fact, the average cost of insurance after a minor speeding ticket in the city is $179, or $2,152 every year!
To
find affordable coverage
with a speeding ticket on your record, turn to Jerry—here’s how we helped other Christiansburg drivers in your position.  
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 11-15
AAA
$187
Irene, 28
Zip: 24073
Ford Focus SE
• 30,000/60,000 Liability
• Comp / Collision
Speeding 16-20
Progressive
$241
Susie, 20
Zip: 24073
KIA Forte LX
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

Cheapest car insurance in Christiansburg after DUI

Virginia considers all intoxicated violations to be DWIs—and the state has
strict laws
with serious penalties. Any DUI conviction in Christiansburg will cause your insurance rates to skyrocket, and some companies might refuse to cover you.
In fact, one DUI can cause your insurance rates to skyrocket in Christiansburg. The average cost of insurance after a DUI charge is $364 per month, or $4,369 per year.
Finding insurance in Christiansburg after a DUI can be complicated, but Jerry has helped tons of drivers. 
card cover
Georgie (54 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carChevrolet Blazer
$67
per month

Cheapest car insurance in Christiansburg 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 Christiansburg drivers who have at-fault accidents on record.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$75
Sara, 27
Zip: 24073
Ford Focus SE
• 30,000/60,000 Liability
At Fault With No Injury
Safeco
$97
Paul, 33
Zip: 24073
Jeep Cherokee Trailhawk
• 30,000/60,000 Liability
• Comp / Collision
Not At Fault
Allstate
$120
Lester, 33
Zip: 24073
Subaru Ascent Limited
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$71
Harvey, 32
Zip: 24073
Hyundai Sonata GLS
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

Cheapest car insurance in Christiansburg after other driving violations

Breaking even one of the traffic laws in Christiansburg 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 Christiansburg, and see how they affect car insurance rates.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$92
Lois, 25
Zip: 24073
Mitsubishi Lancer GTS
• State Minimum Liability
Failure to Obey Signal
AAA
$160
Francisco, 36
Zip: 24073
KIA Spectra EX
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
National General
$98
Nelle, 24
Zip: 24073
Nissan Xterra OFF Road
• 30,000/60,000 Liability
Driving on Sus. License
National General
$117
Pearl, 25
Zip: 24073
Dodge RAM 1500
• 30,000/60,000 Liability
Failure to Obey Signal
Progressive
$69
Addie, 36
Zip: 24073
KIA Spectra EX
• 50,000/100,000 Liability
Improper Passing
Allstate
$95
Lee, 36
Zip: 24073
KIA Forte EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 13, 2024

Cheap car insurance quotes in Christiansburg by age

Very old and very young drivers face higher than average rates in Christiansburg. 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 Christiansburg.

Cheapest car insurance in Christiansburg 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.
Of course, those slightly older could also see higher rates than a motorist who’s a bit more established.  In Christiansburg, young adults aged 22-25 pay an average of $81 per month for state minimum coverage and $130 for full coverage.
Here are some real-life examples of young drivers in Christiansburg who got insurance through Jerry.
card cover
Sophie (20 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carKIA Forte LX
$241
per month
card cover
Johanna (22 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carChevrolet Cruze LT
$167
per month
card cover
Electric
Roger (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationChristiansburg, VA
(Zip Code: 24073)
carNissan Xterra OFF Road
$98
per month

Cheapest car insurance in Christiansburg 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.
However, it isn’t until you reach the age of 70 that rates tend to climb. Before that age, seniors actually pay some of the lowest rates as companies consider them to be experienced motorists. On average, seniors who are roughly 65 years old in Christiansburg pay $57 per month for car insurance.
card cover
Mabelle (69 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24073)
$58
per month
card cover
Alta (74 years old)
coverageCoverage
State Minimum
locationChristiansburg, VA
(Zip Code: 24068)
$54
per month

Cheap car insurance quotes in Christiansburg 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—-and in Christiansburg, the average cost of insurance after a lapse is $93 per month.
Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Christiansburg drivers below.
card cover
Teresa (20 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carKIA Forte LX
$241
per month
card cover
Jorge (36 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carKIA Forte EX
$84
per month
card cover
Cameron (33 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carJeep Cherokee Trailhawk
$97
per month
card cover
Essie (30 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carMitsubishi Outlander Sport ES
$200
per month
card cover
Ellen (33 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
locationChristiansburg, VA
(Zip Code: 24073)
carJeep Cherokee Trailhawk
$133
per month

Cheap car insurance quotes in Christiansburg 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 Christiansburg.
How much higher? Drivers with poor credit pay an average of 20% more for car insurance than those with a stronger credit history.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$131
Gerald, 27
Zip: 24073
Chevrolet Malibu LS
• 30,000/60,000 Liability
• Comp / Collision
660 - 750
Allstate
$120
Lester, 33
Zip: 24073
Subaru Ascent Limited
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
AAA
$122
Susie, 27
Zip: 24073
Ford Focus SE
• 30,000/60,000 Liability
< 550
AAA
$200
Lillian, 30
Zip: 24073
Mitsubishi Outlander Sport ES
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jul 15, 2024

How to lower car insurance costs in Christiansburg

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 a
    safe 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.

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 Christiansburg 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 Christiansburg?

People living in Christiansburg pay on average $49 per month – or $588 per year – on state-minimum liability coverage. Full coverage in Christiansburg costs on average $105 per month of $1,258 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 best car insurance in Christiansburg?

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 Christiansburg 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 Christiansburg, Virginia?

The state-minimum car insurance in Christiansburg, 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.

What is the cheapest car insurance in Christiansburg?

Based on thousands of Christiansburg drivers Jerry has worked with, car insurance in Christiansburg costs an average of $49 per month for state-minimum coverage and $105 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!

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

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.