Richmond Auto Insurance Rates, Quotes, Agents & Reviews in VA

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.

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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 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

Geico
Geico 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 Farm
My 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 Insurance
The 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.
Usaa
I 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 Insurance
They 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.
Allstate
I 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.
Allstate
I 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.
Geico
There 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.
Allstate
The 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.
Usaa
I 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
Geico
I 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.
Nationwide
Reliable, quick response, money conscious. They make me feel as I matter. They also provide auto loans and have a quick turnaround and will preapprove.
Progressive
It 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 Insurance
There's really not much to dislike. I guess if I had to pick something, I would say their website is a little outdated.