Charlottesville has 45,437 residents in 19,815 households. We list 4 agencies for life insurance in Charlottesville. Here is what the local numbers say about the cover people here need.

Charlottesville at a glance

4life insurance agencies listed
55.8%of households rentRenters insurance
$486,700median home valueHome insurance
1968median year homes were builtRebuild cost calculator
11%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Virginia How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Where Charlottesville agencies are

Charlottesville agencies we list sit in 2 ZIP codes.

229012 agencies
229022 agencies

Questions

Life insurance in Charlottesville

All insurance agencies in Charlottesville · Life insurance across Virginia

Where can I find life insurance in Charlottesville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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