Cheapest Auto Insurance in Richmond, Virginia (2025)
The cheapest car insurance company in Richmond is Auto-Owners, with rates as low as $39 per month
Secure. Free. Easy-to-use
Excellent
)
Written byChoncé 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
)
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
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, 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 $173 per month, which is higher than the state average of $151 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 $129 per month for liability coverage and $217 for full coverage.
Auto-Owners is the cheapest full-coverage insurer in Richmond, with rates starting at $72 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 | 8.5 | $64 | $34 | Liability coverage |
| GEICO | 9.0 | $89 | $47 | Drivers with a speeding ticket |
| State Farm | 9.3 | $66 | $35 | Teen drivers |
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.
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 | 3.9 |
|---|---|
| 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. | 8.5 /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. | $39/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. | $72/mo |
3.9
A solid optionBased on 185 verified guest 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 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 For
Cheap rates
Senior drivers
Ample discounts
Reviews (116)
Lois
April 20, 2025
Verified Review
Contract
I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!
Richard
April 19, 2025
Verified Review
Time to Compare Rates
I have had no problems with Auto-Owners, I just want to compare rates.
Dale
April 18, 2025
Verified Review
Good Review
I've had no problems with them and I have recommended them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 /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. | $54/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. | $99/mo |
4.0
Best choiceBased on 11,587 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,311)
Joseph
April 27, 2025
Verified Review
Terrible
Terrible, you guys ripped me off for 3 years. I got rates for half of what you charged me. And at the end, you sent me a letter saying that it's going up by 11 dollars. I'm a driver that rarely uses the car, never had a ticket or accident, or any problems at all, and always paid my payment on time. To top it off, I called you after I obtained new insurance with another company. The person on the phone stated that I need to continue to pay my payments for the next 6 months no matter what. This is ridiculous. If I don't receive my prorated balance of my last payment I just paid to GEICO auto insurance, I will make this public. Goodbye!
Richard
April 27, 2025
Verified Review
Unexpected Price Increase
The price of my insurance went up even though I didn’t have any tickets or accidents.
Eyeris
April 27, 2025
Verified Review
Solo voy a estar con este seguro por un mes, su alto precio me obliga a cambiar
La verdad, no lo recomendaría. Los precios son muy altos y no me preguntaron si yo era conductor en mi país.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 | 4.2 |
|---|---|
| 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. | $40/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. | $74/mo |
4.2
Best choiceBased on 10,713 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,874)
Sarah
April 27, 2025
Verified Review
Horrible customer service and I've been with them for years!
Horrible. I've been with them for years, and it's all about the money and getting every dime they can for as little coverage as possible. Customer service is horrible, at least at State Farm in Wichita Falls, TX. They never call you back or leave a message, like they don't care, which they don't. If you can't reach me by phone, leave a message or email; don't use that as an excuse or say it's my fault. Try a little harder, please! Oh well, goodbye. I got way more coverage for WAY cheaper, saving me $1,200 a year!
William
April 27, 2025
Verified Review
Rates
Instead of raising everyone's rates, those of us with no claims should see a rate discount based on longevity!
Jennifer
April 27, 2025
Verified Review
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 $39/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $129 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $39 |
| State Farm | $40 |
| USAA | $54 |
| GEICO | $54 |
| Chubb | $58 |
| Erie | $61 |
| Clearcover | $68 |
| Nationwide | $69 |
| Allstate | $84 |
| Mercury | $87 |
| Progressive | $95 |
| Direct Auto | $109 |
| Elephant | $110 |
| Travelers | $112 |
| National General | $112 |
| CSAA | $113 |
| Root | $123 |
| GAINSCO | $129 |
| Safeco | $139 |
| Bristol West | $145 |
| Dairyland | $154 |
| AssuranceAmerica | $164 |
| The General | $193 |
| Liberty Mutual | $199 |
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.
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 $217 per month for full coverage. Here are some of the cheapest full-coverage car insurance rates in Richmond.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $72 |
| State Farm | $74 |
| USAA | $99 |
| GEICO | $99 |
| Chubb | $109 |
| Erie | $113 |
| Clearcover | $123 |
| Nationwide | $129 |
| Allstate | $155 |
| Progressive | $165 |
| Mercury | $173 |
| CSAA | $175 |
| Elephant | $184 |
| Travelers | $207 |
| Root | $210 |
| Direct Auto | $212 |
| Safeco | $214 |
| National General | $219 |
| Bristol West | $267 |
| Liberty Mutual | $277 |
| GAINSCO | $292 |
| AssuranceAmerica | $309 |
| Dairyland | $367 |
| The General | $385 |
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 recent rates near Richmond, Virginia
Recent Richmond, Virginia car insurance prices for Hyundai, Honda, Ford , and more.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
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 $227 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $39 | $50 |
| State Farm | $40 | $50 |
| USAA | $54 | $68 |
| GEICO | $54 | $68 |
| Chubb | $58 | $73 |
| Erie | $61 | $81 |
| Clearcover | $68 | $87 |
| Nationwide | $69 | $88 |
| Allstate | $84 | $106 |
| Mercury | $87 | $119 |
| Progressive | $95 | $121 |
| Direct Auto | $109 | $138 |
| Elephant | $110 | $137 |
| Travelers | $112 | $143 |
| National General | $112 | $141 |
| CSAA | $113 | $145 |
| Root | $123 | $170 |
| GAINSCO | $129 | $173 |
| Safeco | $139 | $180 |
| Bristol West | $145 | $185 |
| Dairyland | $154 | $194 |
| AssuranceAmerica | $164 | $202 |
| The General | $193 | $253 |
| Liberty Mutual | $199 | $267 |
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 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 $237 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $39 | $52 |
| State Farm | $40 | $52 |
| USAA | $54 | $71 |
| GEICO | $54 | $71 |
| Chubb | $58 | $76 |
| Erie | $61 | $84 |
| Clearcover | $68 | $100 |
| Nationwide | $69 | $92 |
| Allstate | $84 | $111 |
| Mercury | $87 | $125 |
| Progressive | $95 | $128 |
| Direct Auto | $109 | $147 |
| Elephant | $110 | $144 |
| Travelers | $112 | $149 |
| National General | $112 | $145 |
| CSAA | $113 | $156 |
| Root | $123 | $177 |
| GAINSCO | $129 | $164 |
| Safeco | $139 | $191 |
| Bristol West | $145 | $192 |
| Dairyland | $154 | $202 |
| AssuranceAmerica | $164 | $208 |
| The General | $193 | $262 |
| Liberty Mutual | $199 | $277 |
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 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 $271 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $39 | $62 |
| State Farm | $40 | $64 |
| USAA | $54 | $86 |
| GEICO | $54 | $86 |
| Chubb | $58 | $92 |
| Erie | $61 | $97 |
| Clearcover | $68 | $108 |
| Nationwide | $69 | $110 |
| Allstate | $84 | $134 |
| Mercury | $87 | $134 |
| Progressive | $95 | $151 |
| Direct Auto | $109 | $173 |
| Elephant | $110 | $175 |
| Travelers | $112 | $178 |
| National General | $112 | $178 |
| CSAA | $113 | $180 |
| Root | $123 | $180 |
| GAINSCO | $129 | $205 |
| Safeco | $139 | $216 |
| Bristol West | $145 | $231 |
| Dairyland | $154 | $245 |
| AssuranceAmerica | $164 | $261 |
| The General | $193 | $307 |
| Liberty Mutual | $199 | $317 |
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 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 $138 per month for car insurance.
Here are some of the best monthly insurance quotes for seniors in Richmond.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $56 | $30 |
| Auto-Owners | $56 | $30 |
| USAA | $77 | $42 |
| GEICO | $77 | $42 |
| Chubb | $78 | $42 |
| Erie | $87 | $47 |
| Nationwide | $94 | $50 |
| Clearcover | $105 | $58 |
| Progressive | $115 | $66 |
| Allstate | $122 | $66 |
| CSAA | $132 | $85 |
| Mercury | $136 | $69 |
| Elephant | $142 | $85 |
| Travelers | $158 | $85 |
| Direct Auto | $160 | $82 |
| National General | $163 | $83 |
| Root | $177 | $104 |
| Safeco | $180 | $117 |
| Bristol West | $210 | $114 |
| Liberty Mutual | $225 | $162 |
| AssuranceAmerica | $232 | $123 |
| GAINSCO | $237 | $105 |
| Dairyland | $289 | $121 |
| The General | $302 | $151 |
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 for teens: Auto-Owners
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 $326 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 are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $128 | $69 |
| State Farm | $138 | $75 |
| GEICO | $173 | $94 |
| USAA | $180 | $98 |
| Erie | $207 | $112 |
| Chubb | $228 | $121 |
| Clearcover | $242 | $134 |
| Nationwide | $246 | $132 |
| CSAA | $299 | $193 |
| Allstate | $301 | $163 |
| Progressive | $308 | $177 |
| Elephant | $326 | $195 |
| Mercury | $326 | $164 |
| Root | $341 | $200 |
| Travelers | $403 | $218 |
| Direct Auto | $418 | $215 |
| Safeco | $444 | $288 |
| National General | $448 | $229 |
| Bristol West | $481 | $261 |
| Liberty Mutual | $500 | $360 |
| GAINSCO | $541 | $239 |
| AssuranceAmerica | $596 | $316 |
| Dairyland | $617 | $259 |
| The General | $652 | $327 |
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.
)
What Are the Best Cars for Teens to Drive?
Find Car Insurance in Richmond
Compare rates and buy affordable coverage today
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $173 per month, which is a little higher than the average cost for the state of Virginia of $151 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 | $208 | $128 |
| Arlington | $194 | $116 |
| Charlottesville | $167 | $93 |
| Chesapeake | $202 | $119 |
| Lynchburg | $168 | $94 |
| Norfolk | $215 | $129 |
| Roanoke | $161 | $96 |
| Virginia Beach | $184 | $114 |
| Woodbridge | $224 | $141 |
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.
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 $129 per month for liability coverage and $217 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 $39, $40, and $54 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 90 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 50+ 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
)
Cheap Car Insurance Quotes in Virginia Starting at $34
April 28, 2025
)
Best Car Insurance in Virginia
April 27, 2025
Temporary Car Insurance in Virginia: What You Need to Know
April 28, 2025
)
Car Insurance Requirements in Virginia
April 28, 2025
)
Cheap SR-22 and FR-44 Insurance in Virginia
April 28, 2025
)
Rideshare Insurance in Virginia
April 28, 2025
)
Gap Insurance in Virginia
April 28, 2025
)
Average Car Insurance Cost in Virginia
April 11, 2025
)
Best Cheap Car Insurance in Woodbridge, VA, From $41
April 28, 2025
)
Cheapest Car Insurance Quotes in Virginia Beach, VA
April 28, 2025
)
Cheap Car Insurance in Roanoke, VA, Starting at $29
April 28, 2025
)
Cheapest Auto Insurance in Portsmouth, Virginia
April 28, 2025
)
Cheapest Car Insurance Quotes in Norfolk, VA
April 28, 2025
)
Cheap Car Insurance in Newport News, VA, Starting at $35
April 28, 2025
)
Cheap Car Insurance in Lynchburg, VA, Starting at $29
April 28, 2025
)
Best Cheap Car Insurance in Harrisonburg, VA, From $27
April 28, 2025
)
)
)
)
Sources
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
- IIHS. "Older drivers."
- IIHS. "Teenagers."
)
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.