Cheap Auto Insurance Quotes in Richmond, VA (2021)

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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 Carriers
Quotes ($/mo)
$56
$72
$77
$125
$289
AllstateProgressiveState FarmNationwideThe General
Monthly $

Cheapest Car Insurance in Richmond, VA

Here are the cheapest carriers in Richmond for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$129
$114
$134
$150
$125
$124
VirginiaVirginia BeachNorfolkChesapeakeArlingtonRichmond
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Richmond, VA Driving Facts

virginia

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

Insurify Insights: How Richmond Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Richmond, VA
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Richmond drivers measure up to their fellow Virginia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Richmond

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 paid on average 40.11% more than drivers with a clean record

Speeding Richmond

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 paid on average 32.62% more than drivers with a clean record

DUI/DWIs Richmond

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 paid on average 32.62% more than drivers with a clean record

Most Popular Vehicle Richmond

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.

Rude Richmond

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 paid on average 36.9% more than drivers with a clean record.

Safest Drivers Richmond

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%

Failure to Yield the Right of Way Richmond

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 paid on average 4800% more than drivers with a clean record

Reckless Drivers Richmond

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%

Hybrid/Electric Vehicle Ownership Richmond

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 Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.