How credit scores affect cheap car insurance in Richmond
Your credit score can affect your auto insurance premiums in Richmond. The FICO credit score tiers are:
If you have good credit or better, odds are you’re less likely to file a claim than a driver with fair or poor credit. For this reason, a higher credit score can result in a cheaper policy.[6]
Virginia is one of the many states that permit auto insurance companies to assess credit scores when determining car insurance rates. Below is an overview of the average cost of full-coverage policies by credit tier.[7]
Quote Price by Credit Score
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.
Read More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Richmond
Your driving habits can affect your auto insurance costs in Richmond. If you have a clean record, you may land cheaper premiums than someone with a history of serious traffic violations, such as speeding tickets, at-fault accidents, and DUIs.
Cheapest car insurance with a clean record in Richmond: State Farm
If you prove that you’re a safe and responsible driver with a clean record, you may qualify for the lowest auto insurance premiums in Richmond. State Farm offers the cheapest car insurance quotes for people with clean driving records, at an average of $80 a month.
Here’s what you might pay for car insurance in Richmond if you have a clean driving record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with an accident in Richmond: State Farm
The following table shows how an at-fault accident can impact your auto insurance rates in Richmond. Overall, State Farm has the cheapest rates for drivers with an accident on their records, at an average of $115 a month. At-fault accidents can stay on your record for three years, so avoid collisions and drive safely to keep your insurance costs as low as possible.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Richmond: State Farm
Driving under the influence is a serious traffic offense that can raise your car insurance rates in Richmond or cause your insurer to not renew your policy.[8] If you have a DUI on your record, State Farm offers the cheapest quotes for car insurance in Richmond, at $160 a month on average.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Richmond: State Farm
Car insurance providers usually charge higher rates to drivers who have speeding tickets on their records, especially if they have multiple tickets.[1] State Farm offers the cheapest coverage for Richmond drivers with speeding tickets, at an average of $108 a month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Virginia cities
Here’s a look at car insurance rates in some other Virginia cities: