(434) 974-9762(434) 974-9762
(434) 974-7595(434) 974-7595
3042 Berkmar Dr, Ste CCharlottesville, VA 22901

Office Hours:

8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
8:30 AM - 5:30 PM
Available 24/7 at (434) 974-9762
Other Locations:


The Harper's are your local Charlottesville Allstate Insurance Agent. Assisting Charlottesville, the surrounding Albemarle County, and state of Virginia for over 33 years offering auto, home, life, & more. Get a free quote now! Our local Allstate agency is owned and operated by a family. We know the customers on a first name basis and provide personal & detailed attention to each policy. Our customers tell us we offer outstanding local service while providing products from a financially sound and stable company. Allstate has helped families protect their home, car, & assets since 1931. Together, we'll work to evaluate your coverage & select flexible payment options that work for you. Give us a call today for a free quote on your insurance needs.

I’m proud to offer Allstate products, because they stand by their service. As an Allstate customer, when you’re in need, you can take advantage of a variety of repair options for a damaged home or auto. From selecting a repair shop, to workmanship guarantees – it just makes sense to work with Allstate.

As your Allstate agent, I can help you understand how the choices you make – such as the car you drive – affect your insurance rate. I’m committed to helping you get the appropriate level of protection and make it easy to do business with Allstate.

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Meet the Team

Daniel Harper
Licensed Insurance Representative
Daniel joined Harper's Insurance in 2011. As a lifelong resident of Charlottesville he understands the needs of our area. He leads the team in day to day operations while assisting the customers with their Auto, Homeowners & Life Insurance.
Deb Harper
Office Manager
In 2000 Deb joined Harper's Insurance in our Charlottesville VA office. She manages the day to day operations of the homeowners and auto insurance business.
Keri Hensley
Licensed Insurance Representative
Keri joined our team in 2014. She provides the customers with great service on their auto and homeowners policies.

Request An Appointment

Want to request an appointment for a call or visit? Use the calendar to pick the date you'd like to visit and then choose a time. While we can't guarantee agency availability, your request will route to the agency inbox and we'll do our best to accommodate your schedule.
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Protect What Matters Most

Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.

Insurance Products & Services

Insurance is unlike any other product out there - you pay for it and hope you never have to use it. And that makes paying more than you need to that much more uncomfortable.

With a policy from Allstate, you can help keep your insurance costs low with the wide variety of discounts we offer. Keep in mind, not all discounts are available in every state. The best way to get all that you qualify for is to get an insurance quote specific to Charlottesville.

You can get a rough "ballpark" insurance quote from many companies online, but talking with an agent allows you to ask questions and get a quote for coverage that matters most to you. At our Allstate agency, we can prepare a quote that details the coverage, deductibles (your portion of a loss) and cost (premium) of your insurance policy.

Products & services offered at our agency include:

  • Auto Insurance
  • Car Insurance
  • Flood Insurance
  • Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Home Insurance
  • Insurance Quote
  • Insurance Agency
  • Business Insurance

Plan Your Financial Future.
Calculator: Social Security & Retirement
Buy vs. Lease Calculator
What's the Difference Between Term and Permanent Life Insurance?
Mortgage Tax Credit Calculator

Make sure you're doing all you can to protect the life you deserve—no matter what stage you're at in life.
Is Social Security part of your retirement plan? Estimate your projected annual benefits.
What’s more cost efficient – buying or leasing a car? This calculator can help crunch the numbers.
Life insurance policies typically fall into two categories: term or permanent insurance. Which type of policy is right for you?
Calculate your potential average yearly tax savings over the life of your mortgage.
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Areas Served

We’re proud to serve the areas of:

  • Charlottesville VA
  • Ruckersville VA
  • Crozet VA

Quote, email, or call our agency today for your personalized insurance quote.

Steve Harper is insurance licensed in the state(s) of Virginia. If you do not reside in the state(s) of Virginia, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Subject to terms, conditions & availability.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY.