Cheap Car Insurance in Richmond, Virginia ( With 2024 Rates)

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Lowest Premium

$370 / YEAR

Average Premium

$563 / YEAR

Highest Premium

$781 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Richmond is around $563 and can go upto $781. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Minimum coverage requirement in Virginia - By law, the state requires a minimum of 25/50/20 for auto insurance as explained below:

$25,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $50,000. The amount is the same for deaths of two or more people caused by one accident
$20,000 for damage to the property of other people.
$25,000/$50,000 for Uninsured/underinsured motorist bodily injury
$20,000 for Uninsured/underinsured motorist property damage

Car Insurance Companies in Virginia and Rates Offered

The cheapest car insurance rates in the state are provided by Geico Insurance followed by Allstate Insurance. But the major players are State Farm, Allstate, and Nationwide insurance in order.

Company	Annual premium (50/100/50)	Market share	Ranking
Geico	$368	1.5% ($189,664,981)	88
Allstate	$371	2.58% ($326,945,631)	87
State Farm	$380	6.26% ($793,791,726)	90
Nationwide	$407	2.17% ($275,171,658)	89
Progressive	$533	1.58% ($200,167,406)	89

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We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Richmond by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Richmond. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Scroll inside this box to view all zip codes

Zip	Avg. Premium
23173	$542
23218	$579
23219	$565
23220	$563
23221	$526
23222	$585
23224	$569
23226	$519
23227	$536
23229	$
23230	$532
23232	$550
23234	$553
23236	$531
23237	$524
23250	$486

Insurance Agents in Richmond, VA and Near by

0.82 mi

Figg & Sons Insurance Agency

6905 Patterson Ave, Richmond, VA 23226

(804) 288-4108

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0.82 mi

P&C Brokers

901 Regester Pkwy Ste A, Richmond, VA 23226

(804) 285-0374

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0.82 mi

Bergstrom Insurance Agency - State Farm

6809 Patterson Ave, Richmond, VA 23226

(804) 282-7022

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0.82 mi

James A Scott & Son

1700 Bayberry Ct, Richmond, VA 23226

(804) 673-0011

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0.82 mi

Scott Insurance

1700 Bayberry Ct Ste 200, Richmond, VA 23226

(804) 545-2200

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0.82 mi

Myra Howard

7202 Glen Forest Dr Ste 310, Richmond, VA 23226

(804) 270-4265

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0.82 mi

Service Insurance Agency

6850 Catawba Ln, Richmond, VA 23226

(804) 288-6993

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0.82 mi

All Risk Insurance Agency

6407 Horsepen Rd, Richmond, VA 23226

(804) 282-7475

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0.82 mi

J R Hart

508 Libbie Ave Ste 300, Richmond, VA 23226

(804) 741-2123

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0.82 mi

The Andrew Agency

500 Libbie Ave Ste 1a, Richmond, VA 23226

(804) 320-2886

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0.82 mi

Magnolia Insurance Group

5407 Patterson Ave Ste 202a, Richmond, VA 23226

(804) 873-5380

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0.82 mi

Wood Insurance Agency

5311 Patterson Ave, Richmond, VA 23226

(804) 288-6263

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1.99 mi

Matt Gentry Agency

8401 Patterson Ave Ste 105, Henrico, VA 23229

(804) 793-8332

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1.99 mi

Insurance Matters

1109 Ocala Rd, Henrico, VA 23229

(804) 303-5410

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1.99 mi

Jessica Baggarley

1100 Welborne Dr Ste 204, Henrico, VA 23229

(804) 740-7144

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1.99 mi

Colonial Insurance Agency of Richmond

8100 Three Chopt Rd, Henrico, VA 23229

(804) 285-7738

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1.99 mi

Riko C. Metzroth Insurance & Financial Services

8921 Three Chopt Rd Ste 103, Henrico, VA 23229

(804) 423-7483

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1.99 mi

Leon Litz

9001 Three Chopt Rd, Henrico, VA 23229

(804) 288-4300

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1.99 mi

Mega Insurance Center

1703 N Parham Rd Ste 100, Henrico, VA 23229

(804) 325-4354

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1.99 mi

Able Insurance

9103 Quioccasin Rd, Henrico, VA 23229

(804) 741-6305

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1.99 mi

Rodney Bowen

9216 Quioccasin Rd, Henrico, VA 23229

(804) 740-4600

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1.99 mi

Tony Diservio Insurance Agency

9305 Quioccasin Rd Ste B, Henrico, VA 23229

(804) 740-7034

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12.98 mi

Bill Conley

7516 Jefferson Davis Hwy, Richmond, VA 23237

(804) 271-1141

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12.98 mi

Butler Insurance Agency

7820 Iron Bridge Rd, Richmond, VA 23237

(804) 743-7371

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2.7 mi

MetLife Auto & Home - Joshua Poling

6641 W Broad St Ste 403, Richmond, VA 23230

(804) 915-7671

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2.7 mi

Percy Barnett Jr

6010 W Broad St Fl 2, Richmond, VA 23230

(804) 288-1633

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2.7 mi

Diversity Insurance Agency

6002 W Broad St Ste 201, Richmond, VA 23230

(804) 288-4810

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2.7 mi

Anchor Insurance Group

6802 Paragon Pl Ste 370, Richmond, VA 23230

(804) 673-9075

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2.7 mi

Benjamin Thomas

1516 Willow Lawn Dr Ste 101, Richmond, VA 23230

(804) 270-6264

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2.7 mi

Insurance Professionals

5310 Markel Rd Ste 203, Richmond, VA 23230

(804) 282-1306

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2.7 mi

Straus Itzkowitz & Lecompte Insurance Agency

5310 Markel Rd Ste 203, Richmond, VA 23230

(804) 288-8500

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2.7 mi

AAA Insurance

1601 Willow Lawn Dr Ste 700, Richmond, VA 23230

(804) 281-7100

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2.7 mi

Saunders & Benson

4901 Cutshaw Ave, Richmond, VA 23230

(804) 285-8900

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2.7 mi

GFH Insurance Agency

4825 Radford Ave Ste 101, Richmond, VA 23230

(804) 740-5711

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2.7 mi

Tabb Brockenbrough & Ragland Insurance

4905 Dickens Rd, Richmond, VA 23230

(804) 355-7984

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2.7 mi

Direct General Auto Insurance

4501b W Broad St, Richmond, VA 23230

(804) 325-8256

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2.7 mi

Mallory Keck & Wilkerson

2114 Dabney Rd Ste D, Richmond, VA 23230

(804) 353-9579

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2.7 mi

Peyton Cheely & Woodle

2114 Dabney Rd Ste F, Richmond, VA 23230

(804) 355-4814

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2.7 mi

James Hunter Insurance Agency

2405 Westwood Ave Ste 105, Richmond, VA 23230

(804) 321-9442

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2.7 mi

JRS Insurance Group

2317 Westwood Ave Ste 208, Richmond, VA 23230

(804) 433-3634

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2.7 mi

GLM nsurance Agency

2309 Westwood Ave, Richmond, VA 23230

(804) 358-2108

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2.7 mi

Bailey Insurance Agency

3407 W Broad St, Richmond, VA 23230

(804) 353-2406

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2.7 mi

Ray Garfinkel

3600 W Broad St Ste 106, Richmond, VA 23230

(804) 288-5470

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2.7 mi

John W Pretlow Insurance Agency

3122 W Marshall St, Richmond, VA 23230

(804) 355-3153

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2.95 mi

Linwood Heath

15 N Thompson St, Richmond, VA 23221

(804) 354-9400

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2.95 mi

Ernest Wright

3545 W Cary St, Richmond, VA 23221

(804) 353-5300

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2.95 mi

Smitherwood Insurance

2906 Monument Ave Apt 7, Richmond, VA 23221

(804) 592-0382

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4.32 mi

Rachael Jones

6970 Forest Hill Ave, Richmond, VA 23225

(804) 323-1127

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4.32 mi

Nationwide Agency

6956 Forest Hill Ave, Richmond, VA 23225

(804) 323-1610

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4.32 mi

Harry R James Insurance Agency

6962 Forest Hill Ave, Richmond, VA 23225

(804) 644-2938

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4.32 mi

Rob Reece

7958 Forest Hill Ave, Richmond, VA 23225

(804) 323-0777

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4.32 mi

The Thomas Dale Agency

6837 Forest Hill Ave, Richmond, VA 23225

(804) 747-4407

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4.32 mi

Insurance Security Associates

6767 Forest Hill Ave Ste 120, Richmond, VA 23225

(804) 272-0676

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4.32 mi

Cardinal Insurance

300 Turner Rd Ste C, Richmond, VA 23225

(804) 928-7612

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4.32 mi

Meadows Insurance Agency

306 Turner Rd Ste I, Richmond, VA 23225

(804) 272-5108

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4.32 mi

Able Insurance Agency

125 Turner Rd Ste C, Richmond, VA 23225

(804) 745-5330

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4.32 mi

The Springer Agency

7545 Midlothian Tpke, Richmond, VA 23225

(804) 739-9500

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4.32 mi

Insurance Doctor - Midlothian

127 Stonebridge Plaza Ave, Richmond, VA 23225

(804) 320-2290

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4.32 mi

Aon Risk Services South

7325 Beaufont Springs Dr, Richmond, VA 23225

(804) 560-2230

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4.32 mi

SRM Insurance Brokerage

7401 Beaufont Springs Dr Ste 400, Richmond, VA 23225

(866) 513-4395

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4.32 mi

Michael Spruill

7400 Beaufont Springs Dr, Richmond, VA 23225

(804) 672-4434

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4.32 mi

Virginia CU Insurance Services

7500 Boulder View Dr, Richmond, VA 23225

(866) 342-9334

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4.62 mi

Wells Fargo Insurance Services USA

9020 Stony Point Pkwy Ste 200, Richmond, VA 23235

(804) 267-3100

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4.62 mi

Jeff McKinney

9025 Forest Hill Ave, Richmond, VA 23235

(804) 272-0000

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4.62 mi

The Jackson Insurance Agency

9017 Forest Hill Ave, Richmond, VA 23235

(804) 323-5860

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4.62 mi

Holly Waters

8710 Choctaw Rd Ste 4a, Richmond, VA 23235

(804) 272-1999

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4.62 mi

KMI Insurance Solutions

2520 Professional Rd Ste A, Richmond, VA 23235

(804) 320-0129

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4.62 mi

Gary Wheeler

2505 Pocoshock Pl Ste 104, Richmond, VA 23235

(804) 276-0962

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4.62 mi

Matt Reynolds

2505 Pocoshock Pl Ste 104, Richmond, VA 23235

(804) 276-0962

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4.62 mi

Marvin F. Bradshaw

7641 Hull Street Rd Ste 202, Richmond, VA 23235

(804) 745-4750

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4.62 mi

The Insurance Advisor

7633 Hull Street Rd Ste 100, Richmond, VA 23235

(804) 638-9024

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4.62 mi

Tom Pearson

9321 Midlothian Tpke Ste A, Richmond, VA 23235

(804) 745-0533

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4.62 mi

Independent Insurance Agency of Richmond

7130 Hull Street Rd, Richmond, VA 23235

(804) 918-1667

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4.62 mi

Consolidated Insurance Agency

9550 Midlothian Tpke Ste 102, Richmond, VA 23235

(804) 330-3307

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4.62 mi

Daniel Bedford

9710 Midlothian Tpke, Richmond, VA 23235

(804) 510-0500

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4.62 mi

Hill & Roussy

621 Twinridge Ln, Richmond, VA 23235

(804) 330-0211

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4.62 mi

Tonya Tutton Brand

507 Twinridge Ln, Richmond, VA 23235

(804) 272-7593

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4.62 mi

Virginia Cardinal Insurance

721 Twinridge Ln, Richmond, VA 23235

(804) 320-0599

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4.62 mi

BlueSky Taxes & Insurance

9932 Midlothian Tpke, Richmond, VA 23235

(804) 745-4044

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4.62 mi

Randall W Hall Insurance Agency

10049 Midlothian Tpke Ste B, Richmond, VA 23235

(804) 320-5488

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4.62 mi

Brooks Baltich

8011 Buford Ct, Richmond, VA 23235

(804) 272-0053

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4.62 mi

Dale Parrish

10271 Robious Rd, Richmond, VA 23235

(804) 320-3063

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4.62 mi

AAA Insurance

1201 Mall Dr, Richmond, VA 23235

(804) 379-4487

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4.62 mi

Darrell Faber

1247 Mall Dr, Richmond, VA 23235

(804) 794-1186

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4.62 mi

Monica M Radke

11428 Belvedere Vista Ln, Richmond, VA 23235

(804) 658-5233

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4.62 mi

Haile Lytton

11512 Allecingie Pkwy Ste G, Richmond, VA 23235

(804) 794-7077

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4.62 mi

D Williams Insurance Agency

1905 Huguenot Rd Ste 202, Richmond, VA 23235

(804) 598-0064

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4.62 mi

HH&B Insurance - Reynolds Risk Management

1905 Huguenot Rd Ste 102, Richmond, VA 23235

(804) 301-7655

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4.62 mi

River City Insurance

1913 Huguenot Rd Ste 301, Richmond, VA 23235

(804) 539-5091

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4.62 mi

Chip Massey

7633 Hull Street Rd Ste 200, Richmond, VA 23235

(804) 419-0377

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4.62 mi

David Rivera

7633 Hull Street Rd Ste 300, Richmond, VA 23235

(804) 588-5706

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4.62 mi

Koren Dodd

7633 Hull Street Rd Fl 2, Richmond, VA 23235

(804) 269-6713

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4.62 mi

Mark Winn

7633 Hull Street Rd Ste 200, Richmond, VA 23235

(804) 419-0866

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4.71 mi

Hammond Insurance Services

1127 W Main St Ste A, Richmond, VA 23220

(800) 550-6011

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4.71 mi

Mike Major Agency

1127 W Main St Ste A, Richmond, VA 23220

(800) 491-0531

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4.71 mi

Mike Jones Sr

1351 W Broad St, Richmond, VA 23220

(804) 674-8711

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4.71 mi

Hedrick Insurance & Financial

2015 W Broad St, Richmond, VA 23220

(804) 358-2376

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4.71 mi

Richmond Postal Insurance Agency

1601 Ownby Ln, Richmond, VA 23220

(804) 836-1598

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5.88 mi

Commonwealth Underwriters

2112 W Laburnum Ave Ste 105c, Richmond, VA 23227

(804) 359-4568

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5.88 mi

BB&T - DeJarnette & Paul

2108 W Laburnum Ave Ste 310, Richmond, VA 23227

(804) 359-0044

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5.88 mi

Jack O'brien

4801 Hermitage Rd Ste 103, Richmond, VA 23227

(804) 381-4686

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5.88 mi

Michael Fisher - State Farm Insurance

5930 Brook Rd, Richmond, VA 23227

(804) 264-9443

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5.88 mi

Twin Towers Financial Services

1154 Wilkinson Rd, Richmond, VA 23227

(804) 859-7421

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5.88 mi

Direct General Auto Insurance

825 E Parham Rd, Richmond, VA 23227

(804) 261-1717

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5.88 mi

Brown & Brown Insurance Agency of Virginia

8570 Magellan Pkwy Ste 1100, Richmond, VA 23227

(804) 627-1000

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6.22 mi

Kenneth W Forti

105 E Cary St, Richmond, VA 23219

(804) 771-1997

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6.22 mi

Liberty Mutual Agency

501 E Broad St Ste 150, Richmond, VA 23219

(804) 359-5372

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6.22 mi

Thomas Rutherfoord

1001 Haxall Point Ste 800, Richmond, VA 23219

(804) 780-0611

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6.22 mi

Marsh Private Client Services

1051 East Cary St, Richmond, VA 23219

(804) 344-8600

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6.22 mi

Steve Dowdy

1011 E Main St Ste 75, Richmond, VA 23219

(804) 788-9022

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6.57 mi

Fortenberry Insurance Brokers

324 W Brookland Park Blvd, Richmond, VA 23222

(804) 562-2325

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6.57 mi

Lawrence Winston Insurance

3730 Meadowbridge Rd, Richmond, VA 23222

(804) 321-5126

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6.77 mi

Latinos Services

6931 Hull Street Rd, Richmond, VA 23224

(804) 304-9675

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6.77 mi

BGH & Associates

310 Turner Rd Suite 310 A, Richmond, VA 23224

(804) 233-6500

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6.77 mi

James Coleman Insurance Agency

1420 Hull St Ste B4, Richmond, VA 23224

(804) 231-2886

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6.77 mi

Ralph E Sweeney III

510 E Belt Blvd, Richmond, VA 23224

(804) 232-7790

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6.77 mi

Direct General Auto Insurance

607 E Belt Blvd, Richmond, VA 23224

(804) 320-4744

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6.77 mi

James Insurance Agency

507 E Southside Plz, Richmond, VA 23224

(804) 232-6299

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7.55 mi

Clientfirst Insurance Group

2223 Loch Braemar Dr, Richmond, VA 23236

(804) 859-8166

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7.55 mi

The Laufer Insurance Agency

9513 Amberdale Dr, Richmond, VA 23236

(804) 745-2331

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7.55 mi

Virginia Brockwell

9505 Hull Street Rd Ste A2, Richmond, VA 23236

(804) 745-9500

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7.55 mi

Bill Benton

9409 Hull Street Rd Ste F1, Richmond, VA 23236

(804) 276-9410

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7.55 mi

Greg Woolwine

1200 Courthouse Rd, Richmond, VA 23236

(804) 553-1302

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7.55 mi

Hope Woolwine

1200 Courthouse Rd, Richmond, VA 23236

(804) 379-9100

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7.55 mi

All Risks Limited

300 Arboretum Pl Ste 410, Richmond, VA 23236

(800) 366-7475

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7.55 mi

1st Capital Insurance & Financial Services

9100 Arboretum Pkwy Ste 285, Richmond, VA 23236

(804) 928-6907

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7.55 mi

Sycamore Insurance Group

9100 Arboretum Pkwy Ste 270, Richmond, VA 23236

(804) 420-9800

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7.55 mi

Dexter E. Williams

318 N Arch Rd Ste 201, Richmond, VA 23236

(804) 330-0281

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7.55 mi

Carter R Ellis Insurance Agency

112 S Providence Rd Ste 204, Richmond, VA 23236

(804) 320-3830

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7.55 mi

ETZ Insurance Agency

112 S Providence Rd Ste 106, Richmond, VA 23236

(804) 272-8822

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7.55 mi

Pennington Insurance Agency

470 Pocono Dr, Richmond, VA 23236

(804) 323-9303

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7.55 mi

Ball-Martin Insurance Agency

589 Southlake Blvd, Richmond, VA 23236

(804) 379-4600

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7.55 mi

Roberts-Funai P&C Agency

606 Johnston Willis Dr, Richmond, VA 23236

(804) 601-1130

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7.55 mi

C G Insurance Agency

812 Moorefield Park Dr Ste 102, Richmond, VA 23236

(804) 330-7800

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7.55 mi

Westover-Bon Air Insurance

901 Moorefield Park Dr Ste 210, Richmond, VA 23236

(804) 272-7700

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7.55 mi

Usher Insurance

507 Branchway Rd, Richmond, VA 23236

(804) 423-5674

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7.55 mi

Perry Richardson Agency

420 Southlake Blvd Ste A1, Richmond, VA 23236

(804) 340-2850

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7.55 mi

Suter Easley

301 Southlake Blvd Ste 101, Richmond, VA 23236

(804) 794-1151

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7.55 mi

Collins Insurance Services

400 Southlake Blvd Ste A2, Richmond, VA 23236

(804) 379-3400

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7.55 mi

Horsley W Taylor Co

400 Southlake Blvd Ste F, Richmond, VA 23236

(804) 794-8911

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7.55 mi

The O'Brien Agency

400 Southlake Blvd Ste F, Richmond, VA 23236

(804) 464-2167

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7.55 mi

Bruce J Schumm

800 Branchway Rd, Richmond, VA 23236

(804) 379-3900

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7.55 mi

John Miller

808 Branchway Rd, Richmond, VA 23236

(804) 379-0062

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7.55 mi

Anongos Insurance Agency

11533 Busy St # 113, Richmond, VA 23236

(804) 379-3633

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7.55 mi

Mike McCaffery

11610 Busy St, Richmond, VA 23236

(804) 794-3300

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7.55 mi

Al Arrington

901 N Courthouse Rd, Richmond, VA 23236

(804) 794-1134

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8.88 mi

Mid Atlantic Insurance

1912 E Broad St, Richmond, VA 23223

(804) 377-0578

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8.88 mi

Mike Rybinski

2302 E Cary St, Richmond, VA 23223

(804) 728-2740

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8.88 mi

Albert Ruffin

3813 Nine Mile Rd, Richmond, VA 23223

(804) 222-2202

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8.88 mi

Direct General Auto Insurance

63 S Laburnum Ave, Richmond, VA 23223

(804) 222-4552

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8.88 mi

The Laufer Insurance Agency

71 S Laburnum Ave, Richmond, VA 23223

(804) 222-8023

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8.88 mi

Richard P Diemert

91 S Laburnum Ave, Richmond, VA 23223

(804) 222-8023

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8.88 mi

Commonwealth Insurance Group

5010 Nine Mile Rd, Richmond, VA 23223

(804) 321-0737

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9.42 mi

Steven Rivera

6011 Belmont Rd, Richmond, VA 23234

(804) 674-4000

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9.42 mi

Chesterfield Insurers

3535 Iron Bridge Rd, Richmond, VA 23234

(804) 271-9426

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9.42 mi

Terron Harris

6565 Iron Bridge Pl, Richmond, VA 23234

(804) 275-9090

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9.42 mi

Tim W Thacker

5208 Cogbill Rd, Richmond, VA 23234

(804) 743-8961

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9.42 mi

Latinos Travel & Services

4632 Jefferson Davis Hwy, Richmond, VA 23234

(804) 231-0313

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9.42 mi

R V Potter

4222 Bonniebank Rd Ste 200, Richmond, VA 23234

(804) 275-7799

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9.42 mi

Oficina Multi Servicios Corporation

5700 Jefferson Davis Hwy A29, Richmond, VA 23234

(804) 591-5226

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9.42 mi

Heather Capel

5131 Bridgeside Dr, Richmond, VA 23234

(804) 314-5461

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Learn More About Car Insurance in Richmond, VA

Population

220 K

Total Crashes

5,487

Persons Injured

2,649

Richmond is a metropolitan city and the capital of Virginia.

Insurance rules and regulations for Richmond is that of Virginia.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Richmond, Virginia (With 2024 Rates)