Business Details
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Your Trusted Insurance Partner in Charlottesville, VA
Able Insurance has been a trusted name in the insurance industry for over five decades. As a family-owned, independent agency, we prioritize personalized service and work exclusively for our clients rather than insurance companies. Our team of experienced professionals is dedicated to finding the optimal coverage and price for auto, home, life, and business insurance needs. With offices in Charlottesville and Richmond, Virginia, we serve clients across multiple states, offering 24/7 support and specialized solutions tailored to individual circumstances. Our commitment to transparency, customer satisfaction, and community values has earned us a reputation as a reliable insurance partner. 
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
SR-22 Certificate
FR-44 Certificate
Renters Insurance
Property Insurance
Liability Coverage
Medical Payments
Highlights and features
- We've provided tailored insurance solutions for over 50 years
- Our independent agency status ensures unbiased policy recommendations
- 24/7 customer support for emergency insurance needs
- Local offices serving Charlottesville and Richmond communities
- Proven track record of helping clients save on insurance costs
What people say
Saved $2000 annually
Friendly and helpful staff
Quick policy updates
Professional service
Excellent customer support
Services
Auto Insurance
Our auto insurance policies provide comprehensive protection for drivers of all backgrounds. We offer collision coverage for accident-related damages, comprehensive coverage for non-collision incidents, medical payments for injury treatment, and liability coverage for property damage or bodily injury to others. With access to multiple insurance carriers, we help clients find policies that balance coverage needs with affordability while meeting state requirements.
Home Insurance
Homeowners and renters insurance policies protect against financial losses from property damage or liability claims. Our coverage includes hazard protection for structural damage, personal property protection for belongings, and liability coverage for accidents occurring on insured properties. We help clients understand policy limits, exclusions, and additional endorsements to ensure adequate protection for their specific living situations.
Life Insurance
We offer term and permanent life insurance solutions to protect families' financial futures. Our policies provide death benefits that help cover funeral costs, replace lost income, and maintain beneficiaries' quality of life. We work with clients to determine appropriate coverage amounts and policy terms based on individual needs, family circumstances, and long-term financial goals.
Business Insurance
Our business insurance policies protect commercial assets through comprehensive coverage options. We offer business owners policies that combine property protection, liability coverage, and business interruption insurance. Our solutions help safeguard against risks including property damage, legal claims, and operational disruptions while ensuring compliance with industry-specific requirements for various business types.
SR-22 Certificate
We specialize in providing SR-22 insurance for drivers with serious traffic violations. Our services help clients meet state requirements following DUI convictions or multiple traffic offenses. We work with specialized carriers to offer affordable high-risk insurance options while maintaining compliance with mandatory coverage periods and documentation requirements across multiple states.
Questions
What types of insurance do you offer?
We provide auto, home, life, business, renters, SR-22, and FR-44 insurance policies tailored to individual and commercial needs.
Do you offer 24/7 insurance support?
Yes, our team is available 24 hours a day, 7 days a week for emergency insurance needs and policy inquiries.
How can I get an insurance quote?
Request a free quote online through our website or contact us directly at 844-588-4636 for personalized assistance.
Are you a local insurance agency?
We operate from offices in Charlottesville and Richmond, Virginia, serving clients across multiple states including Tennessee, Arizona, Maine, and Texas.
Can you help with high-risk insurance needs?
Yes, we specialize in providing SR-22 and FR-44 insurance certificates for drivers with challenging records.
What payment options are available?
Contact our office directly for specific payment information as options may vary based on policy type and coverage requirements.
