Richmond, Virginia, blends colonial-era streets with modern traffic, creating tight turns and tricky intersections, especially in areas like Shockoe Bottom and The Fan. Interstates 95 and 64 see heavy congestion, and the James River’s bridges can become bottlenecks during rush hour.
With historic road layouts and growing traffic, reliable car insurance helps keep drivers prepared for Richmond’s unique challenges. Here’s a preview of the lowest rates that drivers in Richmond are paying for car insurance, based on their age, desired coverage level and driving history.
Cheapest minimum coverage insurance in Richmond
As of January 1, 2025, drivers in Virginia are required to carry these minimum coverages:
- $50,000 for bodily injury or death of one person.
- $100,000 for bodily injury or death of two people.
- $25,000 for damage to other people’s property.
Here are the cheapest quotes that Jerry customers in Richmond received for minimum coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $43 | $510 | National General | 38 | December 12, 2024 | Richmond, VA | 23226 |
| $44 | $522 | Progressive | 53 | April 11, 2024 | Richmond, VA | 23223 |
| $49 | $590 | National General | 57 | August 9, 2024 | Richmond, VA | 23223 |
| $51 | $606 | Progressive | 29 | July 13, 2024 | Richmond, VA | 23233 |
| $51 | $608 | Progressive | 34 | May 24, 2024 | Richmond, VA | 23233 |
| $52 | $620 | Progressive | 43 | April 18, 2024 | Richmond, VA | 23235 |
| $53 | $633 | Electric | 30 | February 10, 2025 | Richmond, VA | 23221 |
| $54 | $650 | Progressive | 56 | February 3, 2024 | Richmond, VA | 23237 |
| $55 | $656 | Progressive | 32 | June 4, 2024 | Richmond, VA | 23230 |
| $56 | $666 | Progressive | 32 | February 4, 2025 | Richmond, VA | 23223 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Richmond
Full coverage can protect your finances if your vehicle is damaged in theft, vandalism, fire or if your car is damaged in an accident. Below are the cheapest quotes for full coverage that Jerry customers in Richmond have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $44 | $522 | Progressive | 53 | April 11, 2024 | Richmond, VA | 23223 |
| $51 | $608 | Progressive | 34 | May 24, 2024 | Richmond, VA | 23233 |
| $52 | $620 | Progressive | 43 | April 18, 2024 | Richmond, VA | 23235 |
| $56 | $666 | Progressive | 32 | February 4, 2025 | Richmond, VA | 23223 |
| $59 | $710 | Progressive | 35 | May 29, 2024 | Richmond, VA | 23227 |
| $60 | $724 | Progressive | 36 | May 18, 2024 | Richmond, VA | 23223 |
| $61 | $726 | Progressive | 43 | September 26, 2023 | Richmond, VA | 23221 |
| $64 | $762 | Progressive | 38 | September 18, 2024 | Richmond, VA | 23223 |
| $66 | $786 | Progressive | 27 | June 15, 2024 | Richmond, VA | 23222 |
| $67 | $798 | Progressive | 41 | November 22, 2024 | Richmond, VA | 23219 |
Cheapest car insurance for young drivers in Richmond (18-29 years old)
Young drivers often pay higher insurance premiums because insurers view their lack of driving experience as risky. Since insurers weigh this risk differently, shopping for the best rate can help you find the cheapest coverage. These are the cheapest quotes that young Jerry customers in Richmond have received through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $51 | $606 | Progressive | 29 | No | July 13, 2024 | Richmond, VA | 23233 |
| $65 | $778 | Progressive | 28 | No | June 18, 2024 | Richmond, VA | 23222 |
| $66 | $786 | Progressive | 27 | Yes | June 15, 2024 | Richmond, VA | 23222 |
| $67 | $804 | Progressive | 28 | No | July 4, 2024 | Richmond, VA | 23222 |
| $68 | $810 | Progressive | 27 | Yes | July 11, 2024 | Richmond, VA | 23230 |
Cheapest car insurance for mature drivers in Richmond (30-54 years old)
Drivers between 30 and 54 years old usually receive lower rates than younger drivers, but it’s always wise to compare quotes from several insurers regularly to ensure you’re getting the best rate possible. Here are the cheapest quotes for mature drivers in Richmond, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $43 | $510 | National General | 38 | No | December 12, 2024 | Richmond, VA | 23226 |
| $44 | $522 | Progressive | 53 | Yes | April 11, 2024 | Richmond, VA | 23223 |
| $51 | $608 | Progressive | 34 | Yes | May 24, 2024 | Richmond, VA | 23233 |
| $52 | $620 | Progressive | 43 | Yes | April 18, 2024 | Richmond, VA | 23235 |
| $53 | $633 | Electric | 30 | No | February 10, 2025 | Richmond, VA | 23221 |
Cheapest car insurance for older drivers in Richmond (55+ years old)
Drivers who are 55 and older typically see the lowest insurance premiums, but these prices could start rising at around 70 years old. These are the cheapest quotes that older drivers in Richmond have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $49 | $590 | National General | 57 | August 9, 2024 | Richmond, VA | 23223 | No |
| $54 | $650 | Progressive | 56 | February 3, 2024 | Richmond, VA | 23237 | No |
| $66 | $792 | National General | 65 | October 29, 2024 | Richmond, VA | 23225 | No |
| $68 | $820 | Assurance America | 63 | October 26, 2023 | Richmond, VA | 23237 | No |
| $68 | $820 | Assurance America | 63 | November 19, 2023 | Richmond, VA | 23237 | No |
Cheapest car insurance for drivers with clean records in Richmond
Having a clean record with no tickets, accidents or claims will help a driver get the cheapest premiums. These are the cheapest quotes for Richmond drivers with clean records, based on Jerry’s data.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $43 | $510 | National General | 38 | December 12, 2024 | No | Richmond, VA | 23226 |
| $49 | $590 | National General | 57 | August 9, 2024 | No | Richmond, VA | 23223 |
| $51 | $606 | Progressive | 29 | July 13, 2024 | No | Richmond, VA | 23233 |
| $52 | $620 | Progressive | 43 | April 18, 2024 | Yes | Richmond, VA | 23235 |
| $54 | $650 | Progressive | 56 | February 3, 2024 | No | Richmond, VA | 23237 |
| $55 | $656 | Progressive | 32 | June 4, 2024 | No | Richmond, VA | 23230 |
| $56 | $676 | Progressive | 35 | November 15, 2024 | No | Richmond, VA | 23231 |
| $58 | $690 | Progressive | 38 | December 12, 2024 | No | Richmond, VA | 23226 |
| $58 | $690 | Progressive | 39 | September 19, 2023 | No | Richmond, VA | 23236 |
| $58 | $690 | Progressive | 39 | September 18, 2023 | No | Richmond, VA | 23236 |
Cheapest car insurance for drivers with low credit scores in Richmond
Virginia allows insurers to use your credit history to determine your premium. If you have a low score, you may receive a higher rate. However, insurers weigh credit history differently in their pricing formulas, so it’s wise to compare quotes from multiple insurers to get the lowest rate possible. Here are the cheapest quotes that Richmond drivers with credit scores below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $620 | Progressive | 43 | April 18, 2024 | Richmond, VA | 23235 |
| <550 | $54 | $650 | Progressive | 56 | February 3, 2024 | Richmond, VA | 23237 |
| <550 | $74 | $890 | National General | 37 | August 28, 2024 | Richmond, VA | 23225 |
| <550 | $75 | $900 | Electric | 64 | November 17, 2024 | Richmond, VA | 23230 |
| <550 | $93 | $1,112 | National General | 31 | August 22, 2024 | Richmond, VA | 23233 |
Cheapest car insurance for drivers with at-fault accidents in Richmond
Drivers with at-fault accidents on their records typically see a higher insurance premium. To keep costs low, it’s wise to compare quotes before your policy renews to find the cheapest option. Below are the cheapest quotes that drivers in Richmond with accidents on their records have received via Jerry.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $51 | $608 | Progressive | 34 | Yes | May 24, 2024 | Richmond, VA | 23233 |
| At Fault With No Injury | $59 | $710 | Progressive | 35 | Yes | May 29, 2024 | Richmond, VA | 23227 |
| At Fault With No Injury | $64 | $762 | Progressive | 38 | Yes | September 18, 2024 | Richmond, VA | 23223 |
| At Fault With No Injury | $65 | $778 | Progressive | 28 | No | June 18, 2024 | Richmond, VA | 23222 |
| At Fault With No Injury | $66 | $792 | National General | 65 | No | October 29, 2024 | Richmond, VA | 23225 |
Cheapest car insurance for drivers with speeding tickets in Richmond
Getting a speeding ticket will usually cause your premium to rise. It’s a good idea to compare quotes before your policy renews to ensure you are paying the lowest rate. Below are the cheapest quotes that drivers in Richmond with speeding tickets have received through Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $64 | $762 | Progressive | 38 | September 18, 2024 | Richmond, VA | 23223 |
| Speeding over 15 | $65 | $785 | Safeco | 35 | February 25, 2025 | Richmond, VA | 23224 |
| Speeding under 15 | $68 | $810 | Progressive | 27 | July 11, 2024 | Richmond, VA | 23230 |
| Speeding over 15 | $68 | $816 | Progressive | 46 | November 20, 2024 | Richmond, VA | 23229 |
| Speeding over 15 | $71 | $848 | Electric | 34 | August 20, 2024 | Richmond, VA | 23237 |
Cheapest car insurance for drivers with DUIs in Richmond
A DUI will typically cause an increase in your insurance costs and some insurers may decline coverage. Getting multiple quotes can help you find an insurer that can provide the coverage you need at a low rate. Here are the cheapest quotes that drivers in Richmond with DUIs have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $90 | $1,076 | National General | 40 | February 25, 2025 | Richmond, VA | 23229 |
| DUI | $90 | $1,076 | National General | 40 | March 5, 2025 | Richmond, VA | 23229 |
| DUI | $111 | $1,330 | Electric | 29 | August 15, 2024 | Richmond, VA | 23225 |
| DUI | $114 | $1,364 | National General | 34 | June 13, 2024 | Richmond, VA | 23227 |
| DUI | $125 | $1,498 | National General | 29 | August 15, 2024 | Richmond, VA | 23225 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
