Cheapest Auto Insurance in Richmond, Virginia (2026)
The cheapest car insurance company in Richmond is Auto-Owners, with rates as low as $76 per month
Secure. Free. Easy-to-use.
Excellent
)
Written byChoncé Maddox
)
Choncé Maddox
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Featured in
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The overall average cost of car insurance in Richmond is $177 per month, which is higher than the state average of $140 per month. Rates may be higher because of Richmond’s location near the coast and status as Virginia’s capital.
But your rates may vary depending on your age, driving history, and other factors. And you can compare quotes to find affordable coverage in the city. Here’s what you need to know before shopping for car insurance.
Quick Facts
The average cost of car insurance in Richmond is $146 per month for liability coverage and $208 for full coverage.
Auto-Owners is the cheapest full-coverage insurer in Richmond, with rates starting at $123 per month.
As of Jan. 1, 2025, Virginia’s minimum-liability coverage requirements have increased considerably.[1]
3 of the cheapest car insurance companies in Richmond
Narrowing down the best auto insurance company for you will depend heavily on your personal preferences and what’s important to you. The quotes you receive will be affected by your age, driving history, level of coverage, and more.
Here’s an in-depth look at some of the cheapest insurance options based on different situations and needs, such as liability-only coverage, an accident on record, and young drivers.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $99 | $61 | Liability coverage |
| GEICO | 9.2 | $166 | $111 | Drivers with a speeding ticket |
| State Farm | 9.3 | $101 | $62 | Teen drivers |
Disclaimer: Table data is based on real-time Richmond quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $123/mo |
4.3
Best choice in Richmond, VABased on 309 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 146 Auto-Owners reviews
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has some of the lowest rates for liability-only auto insurance in Richmond. Auto-Owners also offers gap coverage and roadside assistance and multiple discounts for multiple policies, getting a quote in advance, and making on-time payments for 36 months.
Pros
Higher-than-average customer satisfaction in J.D. Power's 2023 U.S. Auto Claims Satisfaction Study
Gap coverage and roadside assistance available
Cons
Quotes only available through independent agents
Not available in every state
Best insurer for drivers with a speeding ticket: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $138/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $206/mo |
4.0
Best choice in Richmond, VABased on 16,013 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Teen drivers
Cheap rates
Accident forgiveness
Showing 28 Virginia reviews for Richmond drivers - See all 7,420 GEICO reviews
Que
Verified Review
Check the fine print, and you do not owe them loyalty
Reviewed in Virginia on March 2, 2026
Huge increase every 6 months, even though I had no claims for 17 years!
Anthony
Verified Review
Dissatisfied with Rate Increase
Reviewed in Virginia on February 20, 2026
My policy renewal increased by over $100 for no reason. I haven't gotten a ticket or been in an accident. I have the safe drive app, but there's misinformation when using it. I train drivers, so most of the time I'm not driving when using my phone, and it's too much trouble trying to adjust whether I'm driving or not.
Margurita
Verified Review
Rate and Price
Reviewed in Virginia on February 10, 2026
Better rates and lower prices.
Mary
Verified Review
Even if it hurts, choose integrity.
Reviewed in Virginia on February 6, 2026
My policy doubled due to a parking issue. I was parallel parking and scraped the car behind me. It was my fault. But doubling my policy payment? I've been a customer for over thirty years. I owed the man behind me honesty, so I left a note on his windshield. However, the hike in my premiums is making it almost unaffordable to keep the car. They have been a good insurance company for the thirty-plus years I have enjoyed their coverage. I trust them. They send a locksmith or a battery jump when needed over the years. Two of my three adult children also use them.
Mohamed
Verified Purchase
The cost of the policy is too high
Reviewed in Virginia on January 27, 2026
The price of the coverage is very high.
Candi
Verified Review
Good at first but then...
Reviewed in Virginia on January 19, 2026
At first, Geico was good, but then my payments began to get higher and higher.
Jerry
Verified Review
Great service, pays claims quickly, may be overpaying
Reviewed in Virginia on January 16, 2026
Great service and coverage for their customers. They have been my auto insurer since 1978. They have covered every claim I have submitted. I have a 20-year-old Miata. A couple of years ago, the decayed convertible top was torn away when a storm came through. Over the years, it had been getting noisier and noisier in the car from wind blowing in through the tiny holes in the top. My wife suggested I try Geico before I paid out of pocket to replace the top. Much to my surprise, they covered the replacement. Very recently, I rented a car from Avis in New Orleans which had a number of scratches and dings when I got the car. I did not take photos at the time of the rental, but did get a walk-around from Avis noting the areas of damage at the time of rental. A couple of weeks after the return, Avis tried to charge me $5K for damages. I handed it off to Geico and they covered it. I don't know if they paid anything but I did not.
There is, however, another side to Geico. My sister, who does not use Geico, was hit by someone with Geico. They jerked her around endlessly. She hates the company.
Since I am a long-term customer, I am probably overpaying. I recently checked other companies and found their rates significantly lower. I haven't changed though.
Rebecca
Verified Purchase
My review
Reviewed in Virginia on January 3, 2026
Been flexible, very forward, and affordable.
Mario
Verified Review
Excellent
Reviewed in Virginia on December 30, 2025
Too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers personalized auto coverage based on your needs. If you have a speeding ticket on your record, your rates may go up, but GEICO allows you to get a quote online and utilize discounts to save, especially after completing an approved defensive driving course or bundling your insurance policies, such as home and auto.
Pros
High customer ratings
Several discount options, including savings for completing an approved defensive driving course
Cons
Gap coverage for rideshare insurance not available
Accident forgiveness not available
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.0
Best choice in Richmond, VABased on 15,788 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Richmond for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 Virginia reviews for Richmond drivers - See all 7,176 State Farm reviews
Holly
Verified Review
Frustrated Customer
Reviewed in Virginia on February 27, 2026
My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.
Richard
Verified Review
When you want to save money
Reviewed in Virginia on February 26, 2026
State Farm is good but has gotten expensive.
Robert
Verified Review
State Farm Ripoff
Reviewed in Virginia on February 19, 2026
They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.
Bernard
Verified Review
My State Farm Agency Settlement of Minor Vehicle Bump
Reviewed in Virginia on February 16, 2026
I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.
Jodi
Verified Review
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
Reviewed in Virginia on January 9, 2026
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
John
Verified Review
The Good, the Bad, and the Ugly
Reviewed in Virginia on January 5, 2026
I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.
Robert
Verified Review
5 Stars
Reviewed in Virginia on January 2, 2026
Always the best service and gives me the best discounts. Very excellent. 5 stars.
Patricia
Verified Review
State Farm took personal interest
Reviewed in Virginia on December 25, 2025
Always available and fair.
Keith
Verified Review
No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.
Reviewed in Virginia on December 13, 2025
No problems at all. I haven’t had to file a claim yet, but my monthly rate is pretty good. My agent is great, and I don’t want to leave them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm, the largest U.S. auto insurer by market share, has some of the cheapest auto insurance rates in Richmond and offers several ways for teens to save on their premiums. Students who report good grades can save up to 25% on their premiums, and drivers younger than 25 can also enroll in the Steer Clear driver safety telematics program to receive a discount.
Pros
Variety of coverage options, including emergency roadside assistance and rental car coverage
Several discounts for young drivers
Cons
Gap insurance not available
Accident forgiveness only available to long-time customers
How to get the cheapest car insurance in Richmond
Finding the cheapest car insurance in Richmond depends on factors including your age, ZIP code, driving history, and desired level of coverage. While some of these factors are outside of your control, you can still do a few specific things to lower your insurance costs, including:
Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll maintain a clean driving record.
Improve your credit. Car insurance companies can consider your credit history to predict how likely you are to file a claim, so it’s important to maintain good credit to keep your rates lower.
Ask about discounts. Insurers offer several discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.
Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price.
Compare Richmond Car Insurance Quotes Today
Liability rates start as low as $76/mo.
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Richmond: Auto-Owners
If you’re at fault for an accident, liability-only car insurance covers damage to the other person’s vehicle and their medical expenses. In Richmond, drivers pay an average of $146 per month for liability coverage.
If you drive an older car or a car that’s already been paid off, liability-only car insurance may be an option for you. Here are some of the cheapest liability-only car insurance rates in Richmond.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $76 |
| State Farm | $77 |
| USAA | $104 |
| Mercury | $105 |
| Elephant | $112 |
| Chubb | $114 |
| CSAA | $119 |
| Erie | $119 |
| National General | $132 |
| Bristol West | $133 |
| Nationwide | $135 |
| Progressive | $137 |
| GEICO | $138 |
| Direct Auto | $144 |
| Safeco | $155 |
| GAINSCO | $155 |
| Allstate | $163 |
| Dairyland | $173 |
| Root | $173 |
| Liberty Mutual | $197 |
| AssuranceAmerica | $200 |
| The General | $206 |
| Clearcover | $210 |
| Travelers | $218 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Keep in Mind
Insurance professionals generally recommend buying more than your state’s minimum required amount of liability insurance. Higher liability coverage limits provide better financial protection in case of an at-fault accident.
Cheapest full-coverage car insurance in Richmond: Auto-Owners
Full-coverage auto insurance includes liability, but it also includes collision insurance, which covers damage to your vehicle or your medical expenses after an accident, and comprehensive coverage, which pays for non-accident damage to your car. If you have a car loan or lease, your leasing company and lender likely already require you to carry full-coverage insurance.
Full-coverage insurance may be a good option for you if you can’t afford to pay for vehicle repairs out of pocket. In Richmond, drivers pay an average of $208 per month for full coverage. Here are some of the cheapest full-coverage car insurance rates in Richmond.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $123 |
| State Farm | $125 |
| Progressive | $166 |
| USAA | $169 |
| Elephant | $171 |
| CSAA | $184 |
| Chubb | $185 |
| Erie | $192 |
| Mercury | $204 |
| GEICO | $206 |
| Nationwide | $220 |
| Safeco | $230 |
| Bristol West | $238 |
| Direct Auto | $241 |
| National General | $242 |
| Liberty Mutual | $259 |
| Allstate | $264 |
| Root | $271 |
| GAINSCO | $316 |
| Travelers | $354 |
| AssuranceAmerica | $355 |
| Clearcover | $360 |
| The General | $385 |
| Dairyland | $428 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Richmond, Virginia
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $72/mo for full coverage in Richmond and other Virginia cities.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Most states require drivers to have minimum or liability-only insurance. The specific coverage limits required in Virginia increased on Jan. 1, 2025. The table below reflects the change in requirements:[1]
Coverage Type | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
Virginia also requires insurers to include uninsured motorist coverage in policies, but you can opt out of this coverage by notifying the insurer in writing. These are just minimum requirements. You might consider adding these coverages to their policies for more protection:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as severe weather damaging your car, theft, vandalism, and more.
Collision coverage
Collision coverage pays for car repairs after you hit a stationary object or another car, regardless of fault.
Gap coverage
Also called guaranteed asset protection, gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Roadside assistance coverage
Roadside assistance helps cover the costs of towing, labor, and other services if your car breaks down.
Cheapest car insurance for drivers with an incident
Your driving history is one of the biggest factors that affects your car insurance rates. An at-fault accident can cause your insurance rates to go up for several years, as will other infractions like speeding tickets and driving under the influence.[2]
In the sections that follow, you’ll see how each infraction affects your rates differently.
Shop for Car Insurance in Richmond, Virginia
See customized quotes from top auto insurers
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: State Farm
If you receive a citation for speeding, it can show up on your driving record and, depending on your insurer, could increase your rates. Richmond drivers pay an overall average of $222 per month for coverage with a speeding ticket.
Here are some of the average monthly quotes from insurers in Richmond when you have a speeding ticket on your record.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $76 | $99 |
| State Farm | $77 | $98 |
| USAA | $104 | $135 |
| Mercury | $105 | $147 |
| Elephant | $112 | $134 |
| Chubb | $114 | $145 |
| CSAA | $119 | $151 |
| Erie | $119 | $157 |
| National General | $132 | $164 |
| Bristol West | $133 | $167 |
| Nationwide | $135 | $175 |
| Progressive | $137 | $172 |
| GEICO | $138 | $181 |
| Direct Auto | $144 | $180 |
| Safeco | $155 | $205 |
| GAINSCO | $155 | $185 |
| Allstate | $163 | $213 |
| Dairyland | $173 | $216 |
| Root | $173 | $231 |
| Liberty Mutual | $197 | $251 |
| AssuranceAmerica | $200 | $255 |
| The General | $206 | $276 |
| Clearcover | $210 | $273 |
| Travelers | $218 | $283 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Accidents can be dangerous, scary, and costly. In addition to having to repair your car after an accident, your insurance rates will likely go up. An accident can also stay on your driving record for three to five years, creating risk for insurers, which is why they may quote you a higher price.
Richmond drivers pay an overall average of $227 per month for coverage after an at-fault accident. Here are some monthly quotes from insurers in Richmond when you have an at-fault accident on your record.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $76 | $99 |
| State Farm | $77 | $100 |
| USAA | $104 | $137 |
| Mercury | $105 | $156 |
| Elephant | $112 | $144 |
| Chubb | $114 | $149 |
| CSAA | $119 | $172 |
| Erie | $119 | $155 |
| National General | $132 | $173 |
| Bristol West | $133 | $172 |
| Nationwide | $135 | $179 |
| Progressive | $137 | $176 |
| GEICO | $138 | $177 |
| Direct Auto | $144 | $194 |
| Safeco | $155 | $214 |
| GAINSCO | $155 | $195 |
| Allstate | $163 | $215 |
| Dairyland | $173 | $225 |
| Root | $173 | $227 |
| Liberty Mutual | $197 | $258 |
| AssuranceAmerica | $200 | $262 |
| The General | $206 | $279 |
| Clearcover | $210 | $302 |
| Travelers | $218 | $289 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is a serious offense that stays on your driving record for 11 years in Virginia. Having a DUI on your motor vehicle record is a major red flag for insurers, and they may raise your rates significantly or refuse to renew your policy. They may even cancel your policy mid-term, depending on the severity of the DUI infraction.
Richmond drivers pay an overall average of $224 per month for coverage with a DUI conviction on their records. Here are some of the rates Richmond insurers are offering for drivers with a DUI.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $76 | $104 |
| State Farm | $77 | $105 |
| USAA | $104 | $142 |
| Mercury | $105 | $151 |
| Elephant | $112 | $153 |
| Chubb | $114 | $156 |
| CSAA | $119 | $162 |
| Erie | $119 | $163 |
| National General | $132 | $180 |
| Bristol West | $133 | $182 |
| Nationwide | $135 | $184 |
| Progressive | $137 | $173 |
| GEICO | $138 | $187 |
| Direct Auto | $144 | $197 |
| Safeco | $155 | $227 |
| GAINSCO | $155 | $212 |
| Allstate | $163 | $223 |
| Dairyland | $173 | $236 |
| Root | $173 | $239 |
| Liberty Mutual | $197 | $269 |
| AssuranceAmerica | $200 | $273 |
| The General | $206 | $281 |
| Clearcover | $210 | $287 |
| Travelers | $218 | $298 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Generally, seniors have the cheapest car insurance rates of any age group. But rates typically rise for senior drivers around age 70 because of a heightened risk of accidents. This is, in part, due to slower reflexes but also to the increased risk of costly medical claims in the event of an accident.[3]
But if you’re a senior driver, you can still find cheap insurance rates if you keep a clean driving record and take advantage of discounts. Senior drivers in Richmond pay an overall average of $152 per month for car insurance.
Here are some of the best monthly insurance quotes for seniors in Richmond.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $97 | $60 |
| State Farm | $98 | $60 |
| USAA | $137 | $84 |
| Chubb | $139 | $86 |
| Elephant | $141 | $92 |
| Progressive | $142 | $117 |
| Erie | $146 | $91 |
| CSAA | $147 | $95 |
| Mercury | $162 | $84 |
| GEICO | $163 | $109 |
| Nationwide | $168 | $103 |
| National General | $190 | $103 |
| Direct Auto | $194 | $116 |
| Bristol West | $197 | $110 |
| Safeco | $200 | $135 |
| Allstate | $214 | $132 |
| Liberty Mutual | $216 | $164 |
| Root | $226 | $144 |
| GAINSCO | $267 | $131 |
| AssuranceAmerica | $276 | $156 |
| Travelers | $282 | $173 |
| Clearcover | $315 | $184 |
| The General | $323 | $173 |
| Dairyland | $362 | $146 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Young drivers and teens also pay higher insurance rates than the general population. This is because insurers find that drivers younger than 25 get into more accidents and are more likely to engage in risky driving habits.[4] Richmond teen drivers pay an overall average of $355 per month for car insurance.
Some insurers offer discounts for student-age drivers who earn good grades or who complete a driver safety program. Young drivers may also save by staying on their parents’ insurance. Drivers younger than 18 won't be able to buy their own policies without the written consent of a parent or guardian.
Here are the cheapest insurers for teen drivers in Richmond.
The below rates in Richmond, VA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $255 | $157 |
| Auto-Owners | $259 | $160 |
| Elephant | $318 | $208 |
| CSAA | $325 | $210 |
| USAA | $329 | $203 |
| Progressive | $333 | $275 |
| Erie | $371 | $230 |
| GEICO | $389 | $260 |
| Mercury | $397 | $204 |
| Chubb | $401 | $247 |
| Bristol West | $448 | $250 |
| Nationwide | $451 | $277 |
| Liberty Mutual | $481 | $366 |
| Safeco | $486 | $327 |
| Direct Auto | $488 | $291 |
| Root | $494 | $315 |
| National General | $514 | $280 |
| Allstate | $548 | $338 |
| GAINSCO | $609 | $298 |
| Clearcover | $626 | $365 |
| The General | $712 | $381 |
| Dairyland | $767 | $310 |
| Travelers | $769 | $474 |
| AssuranceAmerica | $771 | $434 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
)
Best Cars for Teen Drivers
Find Car Insurance in Richmond
Compare rates and buy affordable coverage today
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Richmond car insurance quotes by credit tier
Virginia is one of many states that allow insurers to use your credit history as a factor when calculating insurance rates. An excellent credit score is considered anything above 720, and the higher your credit, the better chances you’ll have a lower insurance rate.
But it’s important to note that a lower credit score doesn’t always guarantee you’ll have higher insurance rates. It all depends on the insurer and how it weighs other factors like your age, driving history, and location.
Here are the average monthly quotes for Richmond based on your credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Richmond?
The overall average cost of car insurance in Richmond is $177 per month, which is a little higher than the average cost for the state of Virginia of $140 per month. Insurance in Richmond is much higher than in other large Virginia cities like Arlington and Alexandria.
Drivers in larger cities with more traffic may pay higher car insurance rates, especially if there are more accidents or higher vehicle repair costs.
More cities in Virginia
Here’s how average monthly car insurance quotes differ in other Virginia cities compared to Richmond.
City | Full Coverage | Liability Only |
|---|---|---|
| Alexandria | $203 | $139 |
| Arlington | $165 | $119 |
| Charlottesville | $155 | $94 |
| Chesapeake | $174 | $124 |
| Lynchburg | $153 | $98 |
| Norfolk | $217 | $138 |
| Roanoke | $151 | $95 |
| Virginia Beach | $177 | $120 |
| Woodbridge | $210 | $144 |
Disclaimer: Table data is based on real-time Richmond quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Richmond car insurance FAQs
Looking for more information about securing the best car insurance rates in Richmond? Consult the answers below.
How much is car insurance in Richmond?
The average cost of car insurance in Richmond is $146 per month for liability coverage and $208 for full coverage.
What are the best car insurance companies in Richmond?
Auto-Owners, State Farm, and GEICO are the top insurers in Richmond. Each has a high IQ Score, and Auto-Owners and GEICO offer several discounts. State Farm’s customer service is continually ranked among the industry’s best.
What are the cheapest car insurance companies in Richmond?
Auto-Owners, State Farm, and USAA are the cheapest liability auto insurance companies in Richmond. These insurers have rates as low as $76, $77, and $104 per month, respectively.
What’s the Virginia minimum car insurance coverage?
Drivers in Virginia must maintain coverage that amounts to at least $50,000 for injury or death of one person and $100,000 for injury or death of two or more. They must also maintain property damage coverage of $25,000. Insurers also must include uninsured motorist coverage in auto policies, but you can decline the coverage by sending a letter to your insurer.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheapest Virginia Car Insurance Quotes From $61/mo.
February 25, 2026
)
Best Car Insurance in Virginia
March 5, 2026
Temporary Car Insurance in Virginia: What You Need to Know
March 5, 2026
Car Insurance Requirements in Virginia
March 5, 2026
)
Cheap SR-22 and FR-44 Insurance in Virginia
March 5, 2026
)
Rideshare Insurance in Virginia
March 5, 2026
)
Gap Insurance in Virginia
March 5, 2026
Average Car Insurance Cost in Virginia
April 11, 2025
)
Best Cheap Car Insurance in Woodbridge, VA, From $75
March 5, 2026
)
Cheapest Car Insurance Quotes in Virginia Beach, VA
March 5, 2026
)
Cheap Car Insurance in Roanoke, VA, Starting at $53
March 5, 2026
)
Cheapest Auto Insurance in Portsmouth, Virginia
March 5, 2026
)
Cheapest Car Insurance Quotes in Norfolk, VA
March 5, 2026
)
Cheap Car Insurance in Newport News, VA, Starting at $68
March 5, 2026
)
Cheap Car Insurance in Lynchburg, VA, Starting at $54
March 5, 2026
)
Best Cheap Car Insurance in Harrisonburg, VA, From $51
March 5, 2026
)
)
)
)
Sources
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
- IIHS. "Older drivers."
- IIHS. "Teenagers."
)
Written byChoncé Maddox
Choncé Maddox
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Featured in
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.