Richmond, VA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Richmond, VA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Richmond, VA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Richmond, VA Auto Insurance Rates
- Richmond, VA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Richmond, VA
- Multi Vehicle Insurance Savings in Richmond, VA
- How Credit Score Affects Car Insurance Rates in Richmond, VA
- How DUI Affects Auto Insurance Premiums in Richmond, VA
- Top Auto Insurance Agents Near Richmond, VA
- How Driving Violations Affect Auto Insurance Rates in Richmond, VA
- Richmond, VA Auto Insurance Discounts on Anti Theft Feature
- Richmond, VA Auto Insurance Company Reviews
Richmond, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Richmond, VA with that of other cities in and around Richmond.
| Richmond | Bon Air | Dumbarton | Montrose | Lakeside | East Highland Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $935 | $1,212 | $915 | $901 | $921 | $911 |
Richmond, VA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Richmond, VA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Richmond | $1,190 | $1,005 |
| Manchester | $1,545 | $1,305 |
| Bon Air | $1,616 | $1,365 |
| Montrose | $1,490 | $1,259 |
| Lakeside | $2,031 | $1,716 |
| Dumbarton | $1,125 | $950 |
| East Highland Park | $1,097 | $927 |
| Bensley | $2,818 | $2,380 |
Richmond, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Richmond, VA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,034 |
| 20 Years | $1,201 |
| 30 Years | $925 |
| 40 Years | $890 |
| 50 Years | $824 |
| 60 Years | $836 |
| 70 Years | $973 |
Richmond, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Richmond, VA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,608 | $262 |
| 3 Vehicles | $2,412 | $393 |
| 4 Vehicles | $3,216 | $524 |
Savings on 2 Vehicles bundle:$262
Savings on 3 Vehicles bundle:$393
Savings on 4 Vehicles bundle:$524
Richmond, VA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Richmond, VA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Richmond | $935 | $1,526 |
| Manchester | $919 | $1,500 |
| Bon Air | $1,212 | $1,978 |
| Montrose | $901 | $1,471 |
| Lakeside | $921 | $1,503 |
| Dumbarton | $915 | $1,494 |
| East Highland Park | $911 | $1,487 |
| Bensley | $906 | $1,479 |
Richmond, VA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $802 |
| Excellent (740-799) | $916 |
| Good (670-739) | $974 |
| Average (580-669) | $1,271 |
| Poor (300-579) | $1,525 |
Richmond, VA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Sandston Insurance Agency Inc. | Erie | 51 W Williamsburg Road, Sandston, 23150 | None |
| Nick Anderson | State Farm | 8650 Staples Mill Rd, Richmond, 23228-2719 | 804-266-4065 |
| Southside Insurance | Erie | 1244 SYCAMORE SQ STE 201, MIDLOTHIAN, 23113 | 804-897-5350 |
| Harrison-Coons Agency | Allstate | 11108 Hull Street Rd, Midlothian, 23112 | (804) 744-8900 |
| Tabb Brockenbrough & Ragland | Liberty Mutual Independent | 4905 DICKENS RD STE 200, RICHMOND, 23230 | 804-355-7984 |
| John Patterson | State Farm | 10148 W Broad Street, Glen Allen, 23060-6760 | 804-346-4133 |
| Specialized Ins Services Inc | Travelers | 1912 E BROAD ST, RICHMOND, 23223 | 804-934-9774 |
| Trice Holding Ltd / Ins Dr | None | 117 E Cary St Richmond, Richmond City, 23219 | None |
| Everett Group Ltd | Travelers | 4191 INNSLAKE DR STE 212, GLEN ALLEN, 23060 | 804-747-1011 |
| Able Insurance Agency | None | 125-C Turner Road , Richmond, 23225 | None |
Richmond, VA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$41 | $976 |
| Driver's Failure In Showing Documents | +$91 | $1,026 |
| Driving With An Expired Registration | +$96 | $1,031 |
| Driving At A Considerably Slow Pace | +$203 | $1,138 |
| Using A Cellphone While Driving | +$214 | $1,149 |
| Running A Red Light | +$218 | $1,153 |
| Speeding | +$229 | $1,164 |
| Driving A Vehicle Without The Required Permission | +$291 | $1,226 |
| Driving With An Expired/Suspended License | +$630 | $1,565 |
Richmond, VA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $898 |
| Active Disabling Device | $898 |
| Tracking Device | $879 |
| Passive Disabling Device | $870 |
Latest Auto Insurance Reviews in Richmond, VA | Back to Top
GeicoGeico has been really good to me, they have helped me get new windshields and when I had my car accident they have been super helpful. Their costumer service is superb.
State FarmMy car insurance has been very flexible and I feel I have complete control over ever detail. Many other companies sell packages that do not offer any customization.
Safeco InsuranceThe premium is a little more than we want to pay, but right now it is what it is. Deductibles are pretty standard for our costs and coverages, so it's nothing that im too concerned about right now.
UsaaI think the offerings are consistent with other programs available. It has been long time since I looked at other companies due to satisfaction with USAA.
Farmer's InsuranceThey have provided wonderful service for crazy good prices. They do make you take a 30 day test drive before they offer you a quote, so certainly requires some preparation to switch over.
AllstateI pay less for the same thing other company's provide. My deductible is less and i pay less to have it. Its very convenient when something happens you can use the app to make a claim and upload photos.
AllstateI pay less for the same thing other company's provide. My deductible is less and i pay less to have it. Its very convenient when something happens you can use the app to make a claim and upload photos.
GeicoThere really is nothing that I do not like about Geico. Maybe their premiums are high but I think they are compatible with other auto insurance company premiums so they really are no higher than anyone else.
AllstateThe customer support with Allstate has been very positive. When I call I do not need a policy number, just my name and they are always polite and accommodating. Even when I have a claim, they are professional and have my best interests in mind.
UsaaI enjoy USAA customer service. They are always in a positive mood and try to be as helpful as possible. THEY help point me in the right direction when it comes to looking for information.5
GeicoI like that Geico Insurance company does everything through the app. You can request roadside assistance and update billing information in one app. I like that feature as when you are stranded, waiting for someone to pick up a phone is nerve racking. I even enjoy that they will call you to confirm when assistance will arrive.
NationwideReliable, quick response, money conscious. They make me feel as I matter. They also provide auto loans and have a quick turnaround and will preapprove.
ProgressiveIt could always stand to be a little more affordable but it's definitely a better deal than a lot of the other big companies out there like State Farm
Haulers InsuranceThere's really not much to dislike. I guess if I had to pick something, I would say their website is a little outdated.