The best car insurance in Richmond, VA

The average cost of full coverage car insurance in Richmond is $1,430, which is only slightly higher than the state average in Virginia of $1,314. We found that the cheapest car insurance companies in Richmond are USAA, Main Street America, GEICO, State Farm, and Auto-Owners Insurance, but rates can vary a lot based on factors like driving history, age, and ZIP code.

Policygenius can compare quotes to find you the cheapest coverage, and our experts will make sure that the policies you’re comparing fit your needs the most.

Cheapest car insurance companies in Richmond, VA

Car insurance companies may consider everything from age, location, driving history, and credit score, but rates can vary from one company to the next. To get the best rate, you should compare rates before choosing a policy. Here are the cheapest companies in Richmond:

Cheapest car insurance rates by ZIP code in Richmond, VA

An insurance company will look at data that shows frequency of car theft and accidents, available secured parking, and other relevant data to determine the potential risk of the ZIP code where your car will spend the most time. The safer the area, the lower your premiums will be.

ZIP code	Average cost
23173	$1,399
23219	$1,464
23220	$1,447
23221	$1,402
23222	$1,500
23223	$1,481
23224	$1,486
23225	$1,426
23226	$1,399
23227	$1,409
23230	$1,407
23232	$1,396
23236	$1,382
23237	$1,397
23298	$1,461

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Choosing the right car insurance company in Richmond, VA

The policy that works best for you should be affordable and offer the most coverage for your needs. Each insurance company will assess your premium rate based on numerous factors, and by comparing insurers, you can choose the one with the lowest rates.

Policygenius makes it easy to compare rates from top car insurance companies, so you can be sure you’re making the right choice for your needs.

Car insurance rates for drivers with driving violations in Richmond, VA

Any accidents or moving violations will raise your rates, but each insurance company weighs violations in their own way. If you’ve committed a traffic violation or gotten a ticket, shopping for different quotes may help you find the most affordable coverage.

Violation	USAA	Main Street America	GEICO	State Farm	Auto-Owners Insurance
At-fault accident	$1,271	$1,158	$1,743	$1,245	$1,406
DUI	$1,660	$2,548	$2,229	$1,145	$1,406
Suspended license	$1,621	$2,548	$2,711	$1,145	$1,406
Open container	$1,501	$2,548	$2,229	$1,145	$1,097
Expired registration	$1,079	$1,606	$982	$1,145	$1,097
Driving without lights	$887	$1,606	$1,256	$1,145	$1,097
Not showing documents	$1,079	$1,606	$982	$1,145	$1,097
Running a red light	$1,079	$1,673	$1,256	$1,145	$1,097
Failure to yield	$1,079	$1,606	$1,256	$1,145	$1,097
Following too closely	$1,079	$1,673	$1,256	$1,145	$1,097
Hit and run	$1,696	$2,548	$2,068	$1,145	$1,406
Illegal turn	$1,079	$1,673	$1,256	$1,145	$1,097
Improper passing	$1,079	$1,673	$1,256	$1,145	$1,097
Not-at-fault accident	$887	$1,290	$982	$1,046	$1,097
Passing a school bus	$1,292	$2,548	$1,256	$1,145	$1,097
Racing	$1,660	$2,548	$2,229	$1,145	$1,406
Reckless driving	$1,177	$2,548	$2,229	$1,145	$1,406
Speeding	$1,079	$2,548	$2,229	$1,145	$1,406

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Cheapest car insurance for drivers with bad credit in Richmond, VA

One of the factors used to calculate your rate is your credit score. A low credit score is considered a higher risk to insure, so the higher your score, the lower your premiums will be.

Buying car insurance in Richmond, VA

Drivers in Richmond must have the minimum amount of car insurance coverage per Virginia state law. Those minimums are:

• Bodily injury liability coverage per person: $25,000

• Bodily injury liability coverage per accident: $50,000

• Property damage liability coverage: $20,000

• Personal injury protection: Optional

• Uninsured/underinsured motorist coverage: Coverage must match your liability limits, so $25,000 per person and $50,000 per incident

While you do have the option to pay the Virginia DMV $500 to legally opt of out buying car insurance, this will not give you any financial protection in case of an accident, and you could be on the hook for thousands of dollars if you cause an accident.

Virginia is an at-fault state, meaning that the driver who caused the violation will be responsible financially for damages caused to all parties. Depending on your needs, the minimum coverage amounts may not be enough, so consider using higher levels of coverage when you compare rates.

How to get cheap car insurance in Richmond, VA

Multiple discounts are available when searching for car insurance in Richmond, including:

• Bundling discount: drivers who have car, home, and other insurance coverage with the same company are often able to get bundling discounts.

• Safe-driver discount: drivers with a clean MVR may be eligible for discounts.

• Good-student discount: young drivers who maintain a high GPA can get discounts on their insurance.

• Employer/professional discount: many companies and industries offer discounts for certain insurance companies.

• Low-mileage discount: drivers with low mileage can often get discounts for driving less.

• Military discount: both active duty and veterans are often eligible for discounts.

By comparing rates, you can still find the least expensive insurance for you, even if you don’t qualify for any discounts.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.