Charlottesville, VA Car Insurance

Car Insurance in Charlottesville, VA

We aren’t just insurance agents, we are your local insurance agents providing our Charlottesville, VA neighbors with outstanding, customized car insurance. Our agents know what it’s like to live and work in Charlottesville as well as managing local traffic. Our commitment to you is to offer affordable rates without sacrificing conversation and protection.

Northern Neck Insurance Company doesn’t offer stand-alone car insurance quotes, but our auto insurance policies can be bundled with other coverages including renters insurance, home insurance, and more.

Charlottesville Car Insurance: For Virginians, By Virginians

We know that car insurance isn’t a one-size-fits-all approach - that’s for drivers and their cars. We take a look at all of the factors that go into creating the right car insurance policy to fully protect you as well as your car. Competitive rates? You got it. A company and agent you can trust? Absolutely. A seamless claims process that won’t tie you up? Of course. With Northern Neck Insurance, your car insurance policy will have it all.

Why choose Northern Neck Insurance? We’re Charlottesville locals, just like you. We’re Virginians insuring Virginians. We’re able to provide you with localized and specialized car insurance for Charlottesville, VA drivers because we understand what it takes to stay safe and build a robust, custom car insurance policy that protects you.

Charlottesville, VA Car Insurance: What Matters Most?

What matters the most to you when insuring your cars? Coverage? Competitive rates? A company and agent you can trust? At Northern Neck Insurance, we know that all of it matters the most to you and your policy will have it all.

Our company is different because we are locally owned and operated. Our policies provide you with localized and specialized car insurance for Charlottesville residents. We do everything we can to take care of our members because that’s our passion and what drives us to insure your vehicles.

Charlottesville Car Insurance Policy: What’s Included?

  • Collisions: We’ll cover your damage to your car or replace it if it’s involved in an accident. We know these costs continue to rise as cars add more technology, but your policy will cover it all.
  • Non-collision damage: That’s covered, too — You may have heard this called comprehensive coverage. This option reimburses you for damage due to things like theft, vandalism, flood, fire, hail, or other acts of God.
  • Liability: We’ve got your back. If you’re responsible for an accident, you're also responsible for the costs of any injuries or property damage you cause. Our comprehensive liability coverage covers these costs for you.
  • We cover your contents or possessions, too: If your clothing, luggage, or belongings are lost or damaged while in your car, we'll help cover the cost to replace them.


Virginia Car Insurance: Let's go local!    I'm ready for an auto quote


But Northern Neck Insurance coverage goes further

We're here to help you get your life back to normal as quickly and smoothly as possible. This is where having local Virginia-based insurance can make all the difference.  

Car Insurance Discounts for Charlottesville Drivers

Car insurance in Virginia shouldn't cost you an arm and a leg. Affordable protection for your car should come standard. Start with our reasonable rates and then save up to 20% with smart-driver discounts, including:

  • Multi-car discount
  • Home and auto bundle discount
  • Good student discount
  • Car safety equipment discount
  • Anti-theft device discount

Our Virginia insurance offerings go beyond car insurance, we also offer Virginia homeowners insurance, renters insurance for Virginians, and personal umbrella protection for those unexpected moments in life.