Best Car Insurance in Richmond 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Richmond Virginia costs single-car drivers an average of $2,315.89 annually, or about $192.99 per month. Compared to the state annual average of $2,457.44, auto insurance in Richmond is $141.56 lower.
Here’s how much real Jerry customers pay for insurance in Richmond:

Real quotes for Jerry customers in Richmond, Virginia

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 17, 2021Pontiac VibeVA28ProgressivePredicted$299/mo.$63/mo.
June 21, 2021Hyundai Elantra SELVA31National GeneralCurrent$200/mo.$70/mo.
May 15, 2021Volvo V60 Cross Country T5VA45TravelersCurrent$112/mo.$74/mo.
December 27, 2020Mazda Cx-9VA57State AutoPredicted$131/mo.$83/mo.
June 8, 2021Hyundai Sonata SEVA76AllstatePredicted$111/mo.$83/mo.
The best way to secure the right plan for lower premiums in Richmond is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inRichmond have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Richmond, Virginia

Insurance Company
Before Jerry
After Jerry
Nationwide$2,345$1,428
Allstate$2,616$1,581
Clearcover
$2,476$1,588
Dairyland
$3,076$1,684
National General
$2,697$1,779
State Auto
$2,631$1,878
Kemper
$2,947$2,028
Travelers$2,920$2,114
Safeco$3,240$2,276

Minimum coverage car insurance in Richmond

On average, the cost of minimum coverage car insurance in Richmond is $2,390.72 per year, or $199.23 per month.

The minimum level of car insurance required in Richmond is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Richmond:
Before Jerry
After Jerry
$2,031$1,001
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,100$879
Progressive$3,006$1,457
National General
$2,508$2,027
Kemper
$2,676$2,328
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Full coverage car insurance in Richmond

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Richmond:
Before Jerry
After Jerry
$1,812$1,103
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
State Auto
$1,440$1,327
Progressive$2,591$1,493
Nationwide$6,153$3,060
National General
$9,600$4,362
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How does your age affect your auto insurance cost in Richmond?

If you’re a driver under 25 in Richmond, you could be paying as much as $120.69 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Richmond saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,442$3,408
21-24$3,565$2,042
On the contrary, here’s how much drivers aged 25 and over in Richmond pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,326$1,506
35-44$2,618$1,721
45-54$1,704$1,322
55-64$2,077$1,521
65+$1,332$1,116
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Cheapest car insurance for drivers in Richmond with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Richmond saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,626$1,351
Speeding under 15$2,489$1,434
Driving on Sus. License$2,076$1,768
Other$2,749$1,797
Here’s how much drivers with a bad driving record in [Richmond saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$1,627$1,270
Nationwide$2,378$1,444
Travelers$2,105$1,481
State Auto
$1,703$1,502
National General
$2,791$1,630
Progressive$2,734$1,728
Kemper
$2,854$2,222
Safeco$3,565$2,456

Cheapest car insurance for young drivers in Richmond with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,723$1,676
Other$4,500$1,872
Speeding under 15$4,500$1,872
Here’s how much young drivers with a bad driving record in [Richmond saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$2,040$1,370
Progressive$3,658$2,136
Kemper
$2,676$2,328
Nationwide$4,248$2,413
National General
$3,050$2,745
State Auto
$3,480$3,294
Safeco$4,616$3,752
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How can you save money on car insurance in Richmond

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Richmond you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 17, 2021Pontiac VibeVA28ProgressivePredicted$299/mo.$54/mo.
April 21, 2021Mercedes-Benz C 300VA39GainscoCustom$278/mo.$143/mo.
June 21, 2021Hyundai Elantra SELVA31National GeneralCurrent$200/mo.$70/mo.
June 8, 2021Hyundai Elantra GTVA31Bristol WestBasic$203/mo.$93/mo.
May 24, 2021Ford Focus SEVA29NationwideCurrent$200/mo.$116/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

Easiest way to compare and buy car insurance

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Quotes from top insurance companies