Towe Insurance Service Inc.

Towe Insurance Service Inc. is a local independent insurance agency in Charlottesville, Virginia, serving individuals and businesses across Central Virginia with comprehensive coverage solutions. The company specializes in auto, home, life, business, and farm & agri-business insurance, offering personalized service and expert guidance tailored to each client’s unique needs. With a legacy spanning over 90 years, Towe Insurance has built a reputation for integrity, reliability, and community commitment. The agency maintains a 5.00 rating based on customer feedback, reflecting consistent excellence in client service and claims support. Their service area includes Charlottesville, Appomattox, and Ruckersville, with offices designed to provide accessible, local expertise.

Founded in 1934 by Forrest Towe, a lifelong resident of Albemarle County, the business has been a family-owned enterprise for generations. His sons, Darden and James, continued the tradition of client-focused service and civic involvement, and today the agency is led by Beth Towe Heck, the granddaughter of the founder. As a full-service insurance group, Towe Insurance works with a wide range of reputable insurers, enabling them to deliver competitive rates and customized coverage. The agency is a proud partner of Keystone Insurers Group, the third-largest insurance broker in the United States, which allows for seamless multi-state support while maintaining localized service. Their approach emphasizes long-term relationships, proactive advice, and responsive assistance, whether handling a claim, adjusting a policy, or securing new coverage.

Towe Insurance Service Inc. is located at 304 E Jefferson Street in downtown Charlottesville, three blocks from the Albemarle County Courthouse and across from the BB&T Bank. The office sits on a major commercial corridor in the heart of the city’s historic district, easily accessible from the 29/250 Bypass via Park Street and East Jefferson Street.

The agency stands out for its deep roots in the community, decades of trusted service, and a reputation for transparency and responsiveness. Its long-standing presence, combined with a modern, well-structured online platform and detailed public information, reinforces its standing as a dependable and respected name in Central Virginia insurance. With a legacy that spans generations, Towe Insurance continues to be a cornerstone of reliable protection and service in the region.