Tolls Are the Least of Your Worries
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It seems to me that there was a study published a number of years ago that concluded that people would, in general, pay about $8 in tolls for each hour of driving saved. But, given the inflation in travel costs, and particularly gas prices, the impact of tolls on the cost of a trip is now almost trivial. Of far more importance is that you have an enjoyable trip, and I-95 down "the corridor" is not the way to do this. For an additional 70 miles and 1 hour of driving (and no tolls) you can take I-78 out of the New York City area to Harrisburg and pick up I-81 to I-64 to Charlottesville. That is hands down the way I'd go.
AZBuck