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Cheap Auto Insurance Quotes in Richmond, VA (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Richmond is $186 per month, or $2232 annually.
  • Car insurance in Richmond is $9 more than the average cost of car insurance in Virginia.
  • The cheapest car insurance provider in Richmond on average is Metromile, but you should always compare quotes to find your best personal rate.

Car Insurance in Richmond, VA

The average cost of Virginia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Richmond, VA to find you the cheapest quotes in the area.

Quotes by Top Companies

Allstate
$56
Progressive
$72
State Farm
$77
Nationwide
$125
The General
$289

Cheapest Car Insurance in Richmond, VA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in RichmondQuotes
Allstate$56 /mo
Progressive$72 /mo
State Farm$77 /mo
Nationwide$125 /mo
The General$289 /mo

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Average Car Insurance Cost

Virginia Cities
Virginia Beach$114/mo
Norfolk$134/mo
Chesapeake$150/mo
Arlington$125/mo
Richmond$124/mo
Virginia$129/mo
Virginia Beach
$114
Richmond
$124
Arlington
$125
Average for VA
$129
Norfolk
$134
Chesapeake
$150
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

Find local Richmond agents

  • Sweeney Ins Agcy 

    510 East Belt Boulevard,
    Richmond, VA 23224
  • Ins Agcy Svcs LLC 

    12580 West Creek Pkwy,
    Richmond, VA 23238-1110
  • Garriques Lloyd & McMahon 

    2309 Westwood Ave #101,
    Richmond, VA 23230-4011
  • VA Commonwealth Corp 

    2570-B Gaskins Rd,
    Richmond, VA 23238
  • Ins Doctor Agcy of Midlothian Inc 

    127 Stonebridge Plaza Ave,
    Richmond, VA 23235-4408
  • Choice Ins Agcy - Richmond 

    5311 Patterson Ave,
    Richmond, VA 23226
  • Able Ins Agcy 

    9103 Quioccasin Road,
    Richmond, VA 23229-5514
  • IIAV 

    8600 Mayland Dr,
    Richmond, VA 23294-4702
  • McGriff Ins 

    2108 W Laburnum Ave,
    Ste 310, Richmond, VA 23227-4300
  • Ford & Thomas Ins Agcy Inc 

    6809 Stoneman Rd,
    Richmond, VA 23228
View more

FAQs - Richmond, VA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Richmond 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 Richmond, 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 Richmond 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.

nissan

Nissan Altima

Most Popular Car in Richmond

#21

City with the Most Speeding Tickets Rank in Virginia

#20

City with the Most Moving Violations Rank in Virginia

#30

City with the Most DUIs Rank in Virginia

#9

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. Richmond drivers rank 17 in the number of car accidents per driver across all cities in Virginia.

    • Rank within state: #17
    • Percent of drivers in Richmond with an accident: 12.17%
    • Drivers in Richmond, VA with an accident in their driving history pay on average 40.11% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Richmond drivers rank 21 in the number of speeding infractions per driver.

    • Rank within state: #21
    • Percent of drivers in Richmond with a speeding ticket: 14.83%
    • Drivers in Richmond, VA with a speeding ticket in their driving history pay on average 32.62% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Richmond drivers rank 30 in the number of DUI’s per driver across all cities in Virginia.

    • Rank within state: #30
    • Percent of drivers in Richmond with a DUI: 1.72%
    • Drivers in Richmond, VA with a DUI in their driving history pay on average 32.62% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Richmond is the Nissan Altima.

  • 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, Richmond drivers rank 16 in rude driving infractions.

    • Rank within state: #16
    • Percent of drivers in Richmond with a reckless driving violation: 3.51%
    • Drivers in Richmond, VA with a reckless driving violation in their driving history pay on average 36.9% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Richmond drivers rank 15 in clean driving records across all cities in Virginia.

    • Rank within state: #15
    • Percent of drivers in Richmond with clean record: 75.02%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Richmond drivers rank 4 in failure to yield violations per driver across all cities in Virginia.

    • Rank within state: #4
    • Percent of drivers in Richmond with a failure to yield violation: 1.31%
    • Drivers in Richmond, VA with a failure to yield violation in their driving history pay on average 4800% more than drivers with a clean record
  • 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, Richmond drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Richmond with a reckless driving offense: 0.8%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Richmond drivers rank 35 in hybrid and electric vehicle ownership across all cities in Virginia.

    • Rank within state: #35
    • Percent of drivers in Richmond with a hybrid/electric vehicle: 0.79%
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.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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