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Cheap Auto Insurance Quotes in Henrico, VA, for October 2022

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Jamie Vassar

By: Jamie Vassar

Edited by Danny Smith

Updated July 21, 2022

Quick Facts

  • The average cost of car insurance in Henrico is $169 per month or $2,028 annually.

  • Car insurance in Henrico is $31 less than the average cost of insurance in Virginia.

  • The cheapest top car insurance provider in Henrico on average is Travelers.

Car Insurance in Henrico, VA

The average cost of insurance in Henrico is $169 per month or $2,028 annually. This is $31 less than the state’s average of $200 per month, or $2,484 annually. Rates can vary due to factors such as the age and gender of the driver and risk factors such as driving history or credit tier, so it’s important to compare car insurance quotes before purchasing a policy.

Quotes by Top Companies

Travelers
$127
Progressive
$135
State Auto
$148
Nationwide
$153
Liberty Mutual
$204

See More:

Cheap Car Insurance Virginia

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Cheapest Car Insurance in Henrico, VA

What is the cheapest car insurance in Henrico?

Travelers is the cheapest top car insurance provider on average in Henrico, with rates starting at $127 per month. It’s still essential to compare car insurance rates, as everyone’s situation is unique.

There are many providers in Henrico that offer rates below $200 per month. Depending on other factors for the driver and choice of vehicle, the city hosts many great options for price-conscious buyers. With Insurify, you can compare quotes and find the perfect plan that fits your needs.

Insurance CompanyAverage Monthly Quote
Travelers$127
Progressive$135
State Auto$148
Nationwide$153
Liberty Mutual$204
Metromile$62
Kemper Preferred$118
Elephant$124
Grange$124
Acuity$129
Safeco$135
Clearcover$136
National General$153
Stillwater$155
Midvale Home & Auto$157
SafeAuto$168
GAINSCO$171
Mercury$183
Direct Auto$193
Bristol West$202
AssuranceAmerica$207
Kemper Specialty$209
Dairyland$254
AAA$269
The General$313
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Henrico Car Insurance Rates by Driving and Accident History

While insurance agencies look at factors like age and the gender of the driver and the cost and model of the vehicle, agencies also take risk into account when calculating rates. This includes using driving records to evaluate a driver’s likelihood of filing a claim. Drivers with clean records could save significantly compared to those with any infractions in their driving history[2].

Driver HistoryAverage Monthly Cost
Clean Record$165
Speeding Ticket$221
At-Fault Accident$241
DUI$328
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Virginia

DUI Car Insurance Virginia

Henrico Car Insurance Rates by Credit Tier

Another risk factor that can affect auto insurance rates is a driver’s credit score. The mentality behind this is that general spending habits can inform the likelihood of filing an insurance claim. Therefore, drivers who are in a better credit tier are rewarded for their responsible behavior with lower quotes[3].

Credit TierAverage Monthly Cost
Excellent$152
Good$179
Average$197
Poor$305
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Henrico

Although many outside factors like gender, age, and year of the vehicle can affect rates, exercising safe driving practices is a wise way to secure cheap car insurance because it’s one of the fastest ways to lower the likelihood of risk factors affecting your quotes. Choosing budget-friendly providers is a quick solution to keeping costs down.

Regardless of budget, it’s always best to compare multiple quotes when shopping for an auto insurance policy. Insurify offers real-time car insurance quotes from many insurance providers for both new and pre-owned vehicles. Also, consider bundling auto insurance with renters insurance or home insurance to get hefty discounts.

Frequently Asked Questions

  • The best way to find cheap, affordable car insurance in Henrico is to compare quotes. With Insurify, you can search thoroughly with our network which includes over 200 insurance companies throughout the U.S. that can work with you to find the insurance policy that fits your needs.

  • The average cost of insurance in Henrico is $169 per month or $2,028 annually. That’s $31 less than the state’s average of $200 per month. But rates can vary due to factors such as the age and gender of the driver and risk factors such as driving history or credit tier so make sure to compare rates before buying.

  • Risk factors like impaired driving or at-fault accidents on a record as well as a driver’s credit history can quickly increase insurance rates in Henrico. However, other more common factors that can affect costs are the age and gender of the driver and the cost and model of the vehicle.

Insurify Insights

How Henrico Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Henrico, Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Henrico drivers measure up to their fellow motorists across Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Henrico

#45

City with the Most Speeding Tickets Rank in Virginia

#52

City with the Most Moving Violations Rank in Virginia

#73

City with the Most DUIs Rank in Virginia

#43

City with the Most Suspended Licenses in Virginia

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Henrico drivers rank 44 in the number of car accidents per driver across all cities in Virginia.

    • Rank within state: #44
    • Percent of drivers in Henrico with an accident: 9.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Henrico drivers rank 73 in the number of DUI’s per driver across all cities in Virginia.

    • Rank within state: #73
    • Percent of drivers in Henrico with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Henrico drivers rank 55 in the number of reckless driving offenses per driver.

    • Rank within state: #55
    • Percent of drivers in Henrico with a reckless driving offense: 1.8%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Henrico drivers rank 61 in rude driving infractions.

    • Rank within state: #61
    • Percent of drivers in Henrico with a reckless driving violation: 1.9%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Henrico drivers rank 45 in the number of speeding infractions per driver.

    • Rank within state: #45
    • Percent of drivers in Henrico with a speeding ticket: 11.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Henrico drivers rank 35 in clean driving records across all cities in Virginia.

    • Rank within state: #35
    • Percent of drivers in Henrico with clean record: 75.8%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Henrico drivers rank 51 in hybrid and electric vehicle ownership across all cities in Virginia.

    • Rank within state: #51
    • Percent of drivers in Henrico with a hybrid/electric vehicle: 0.66%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Jamie Vassar
Jamie Vassar
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Insurance Writer

Jamie Vassar is a personal finance writer currently based out of the Midwest. After years in the customer service and support world, she now hopes to use her degree from the University of Nebraska, Omaha, to better help readers understand their insurance policies and matters of personal finance. Connect with Jamie on LinkedIn.

Learn More

Sources

  1. Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
  2. Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments." Accessed July 21, 2022
  3. Commonwealth of Virginia State Corporation Commission Bureau of Insurance . "Insurance Credit Scoring How It Affects Your Automobile and Homeowners Insurance." Accessed July 21, 2022