On average, auto insurance in Henrico costs about $117 per month for minimum coverage liability insurance and about $119 per month for full coverage insurance. Henrico drivers pay 2% less rates than the

Virginia

average.

With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare

car insurance quotes

Many Henrico drivers have found affordable coverage with help from the

Jerry Insurance Agency

, which aggregates quotes to help drivers pick the best policy. Below are some of the cheapest car insurance quotes Jerry found for our Henrico customers.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 27, 2023	Progressive	$146	Corey, 30 Zip: 23238	Nissan Murano S	• 30,000/60,000 Liability • Comp / Collision
September 23, 2023	State Auto	$69	Olivia, 56 Zip: 23231	Chevrolet Silverado K1500	• 30,000/60,000 Liability • Comp / Collision
September 23, 2023	Nationwide	$104	Edith, 50 Zip: 23228	Acura RDX	• 30,000/60,000 Liability • Comp / Collision
September 19, 2023	Safeco	$72	Amy, 66 Zip: 23075	Ford Taurus Limited	• 30,000/60,000 Liability • Comp / Collision
September 17, 2023	Travelers	$102	Ruby, 32 Zip: 23294	Audi A3 Premium	• 50,000/100,000 Liability • Comp / Collision

Last Updated Sep 27, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Henrico

Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Henrico driver is unique, and so are their premiums.

To find the best rates, you need to

compare quotes

from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.

To help Henrico drivers better compare the cheapest car insurance companies, Jerry conducted a major insurance survey. The data reveals that

State Farm

and

USAA

tend to offer the lowest premiums in Henrico, but you may not be eligible for the best of these rates. The most common insurance companies in Henrico are State Farm, USAA,

Progressive

Allstate

, and

Nationwide

, but only State Farm’s rates are lower than the Virginia state average.

Here’s a look at some real reviews from Henrico drivers about their insurance companies.

The table below shows how drivers in Henrico rate different companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.2	3.7	3.7	4.3
Liberty Mutual	4.2	3.6	N/A	4.8
Geico	4.1	3.3	4.4	4.2
State Farm	4	3.5	4	3.9
Allstate	3.9	4.2	N/A	4.1

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Henrico

Virginia laws

require all Henrico drivers to carry minimum

liability insurance

of 30/60/20, including property damage liability and bodily injury liability coverage.

Drivers must also carry

uninsured motorist coverage

to at least the same limits.

Cheap minimum liability insurance quotes in Henrico

Let’s break down the minimum required liability coverage for Henrico drivers:

$30,000 per person of

bodily injury liability

coverage

$60,000 per accident of bodily injury liability coverage

$20,000 per accident of

property damage liability

But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires

uninsured motorist (UM) coverage

for all Henrico drivers.

UM coverage must include the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.

Virginia is an at-fault state

. If you get into an accident in Henrico with a driver who does not have insurance, you’ll have no recourse for damages with liability-only coverage. But with UM coverage, you’re safe.

Here are the required coverage levels for UM in Henrico:

$30,000 in

uninsured motorist bodily injury

per person

$60,000 in uninsured motorist bodily injury per accident

$20,000 in uninsured motorist property damage per accident

Under the Virginia state code, no Henrico driver is exempt from these requirements.

You can find affordable minimum liability and uninsured motorist coverage in Henrico with help from Jerry—like the drivers below.

Progressive

Nancy (41 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23294)

Toyota Sienna XLE

$70

per month

Safeco

Mae (35 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23228)

Hyundai Elantra GLS

$126

per month

Travelers

Christian (25 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23233)

Dodge Dart SXT

$191

per month

Allstate

Jerry (24 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23228)

Honda Accord LX

$200

per month

Clearcover

Tom (29 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23231)

Nissan Kicks S

$196

per month

Do you need more than minimum coverage in Henrico?

You won’t be breaking any laws if you stick with the minimums, but many Henrico drivers prefer higher limits to get more protection in the event of a serious car accident.

Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.

It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.

The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or get full coverage on your car.

Cheap full coverage car insurance quotes in Henrico

Did you know that liability coverage only protects other people? Full coverage in Henrico is the only way to protect yourself and your car, whether from storm damage or traffic accidents.

A full coverage policy includes

comprehensive

and

collision coverage

Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.

Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.

A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Henrico.

Here’s a breakdown of Henrico

full coverage car insurance costs

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 30,000/60,000 Liability • Comp / Collision	Progressive	$146	Corey, 30 Zip: 23238	Nissan Murano S
• 50,000/100,000 Liability • Comp / Collision	AAA	$163	Leroy, 29 Zip: 23228	Honda Accord LX
• 50,000/100,000 Liability • Comp / Collision	Allstate	$196	Lula, 28 Zip: 23231	Nissan Altima 2.5
• 30,000/60,000 Liability • Comp / Collision	Safeco	$72	Amy, 66 Zip: 23075	Ford Taurus Limited
• 30,000/60,000 Liability • Comp / Collision	National General	$114	Leroy, 36 Zip: 23294	Honda Civic EX

Last Updated Oct 2, 2023

The easiest and fastest way to find the cheapest car insurance in for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Henrico

In helping hundreds of Henrico drivers find cheaper rates, we found the average cost for minimum liability coverage to be $117 per month or $1,409 per year.

The average cost for full coverage insurance in Henrico is $119 per month or $1,429 per year.

Don’t jump to any conclusions! These are average rates, but you’re probably not the average Henrico driver. You might have a better driving history—or maybe a few tickets on your record. Your unique driver profile will be the source of your unique rate.

Average cost of car insurance in Henrico by zip code

Zip code is a key indicator of risk. In some zip codes within Henrico, there’s a higher incidence of auto theft claims. In other areas, the rate of traffic accidents is higher. That’s why your zip code plays a key role in determining your rate.

If you live in a “high risk” zip code in Henrico that’s extra prone to accidents that could trigger a claim, you’ll be charged more for coverage.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
23228	$78	$139
23229	$81	$141
23231	$68	$193
23233	$49	$144
23238	$85	$193
23294	$45	$159

Compare car insurance costs in other states

North Carolina car insurance

West Virginia car insurance

District Of Columbia car insurance

Maryland car insurance

Delaware car insurance

Pennsylvania car insurance

South Carolina car insurance

New Jersey car insurance

Car insurance quotes in Henrico by rating factors

Insurance companies in Henrico use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.

Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.

Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.

The kind of car you have: Luxury and sports cars come with higher insurance price tags.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: More frequent usage means higher insurance rates, due to the increase in risk.

How Do Different Factors Impact Your Car Insurance Costs in Henrico?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Henrico currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Henrico:

Cheap car insurance quotes in Henrico after driving violations

Driving violations in Henrico not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a

high-risk driver

. You can still find coverage, but your policy will cost more than the average Henrico driver’s.

Cheapest car insurance in Henrico after speeding ticket

Break the speed limits in Henrico and you’ll be penalized according to how high over the speed limit you were traveling. The

speeding fines

in Virginia increase by mile increments, not to mention the extremely high fines for

reckless driving

But speeding tickets also matter a lot when it comes to insurance rates for Henrico drivers.

find affordable coverage

with a speeding ticket on your record, turn to Jerry—here’s how we helped other Henrico drivers in your position.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$259	Lillian, 29 Zip: 23233	BMW 330 XI	• 30,000/60,000 Liability • Comp / Collision
Speeding 11-15	Mercury	$141	Julia, 42 Zip: 23229	Hyundai Elantra SE	• State Minimum Liability • Comp / Collision
Speeding 16-20	Travelers	$220	Katherine, 29 Zip: 23228	Nissan Maxima S	• 30,000/60,000 Liability • Comp / Collision

Last Updated Oct 3, 2023

Cheapest car insurance in Henrico after DUI

Virginia considers all intoxicated violations to be DWIs—and the state has

strict laws

with serious penalties. Any DUI conviction in Henrico will cause your insurance rates to skyrocket, and some companies might refuse to cover you.

Finding insurance in Henrico after a DUI can be complicated, but Jerry has helped tons of drivers.

Progressive

Louise (36 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23294)

Honda Civic EX

$176

per month

Safeco

Verna (31 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23238)

Nissan Altima 2.5

$106

per month

Mercury

Tony (26 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23229)

Hyundai Elantra GLS

$69

per month

Cheapest car insurance in Henrico after an at-fault accident

The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.

Here are some sample insurance rates for Henrico drivers who have at-fault accidents on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$147	Gene, 22 Zip: 23229	Toyota Scion TC	• 30,000/60,000 Liability
At Fault With No Injury	Nationwide	$104	Ethan, 50 Zip: 23228	Acura RDX	• 30,000/60,000 Liability • Comp / Collision
Not At Fault	Allstate	$200	Rosalie, 24 Zip: 23228	Honda Accord LX	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Travelers	$101	Ethan, 50 Zip: 23228	Acura RDX	• 30,000/60,000 Liability • Comp / Collision

Last Updated Oct 2, 2023

Cheapest car insurance in Henrico after other driving violations

Breaking even one of the traffic laws in Henrico could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.

Check out this list of common traffic violations in Henrico, and see how they affect car insurance rates.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Illegal Turn	Progressive	$140	Steve, 23 Zip: 23228	Toyota Camry LE	• 30,000/60,000 Liability
Defective Equipment	Travelers	$85	Stella, 29 Zip: 23231	Honda CR-V EX	• 50,000/100,000 Liability • Comp / Collision
Failure to Yield	Allstate	$186	Myrtie, 32 Zip: 23229	Volkswagen Passat R-Line	• 50,000/100,000 Liability • Comp / Collision
Cell Phone	National General	$323	Scott, 22 Zip: 23229	Toyota Scion TC	• 30,000/60,000 Liability
Careless Driving	Nationwide	$172	Jesus, 32 Zip: 23229	Volkswagen Passat R-Line	• 50,000/100,000 Liability • Comp / Collision
Driving on Sus. License	Gainsco	$118	Harold, 33 Zip: 23229	Toyota Corolla	• 50,000/100,000 Liability
Failure to Obey Signal	Safeco	$205	Elva, 29 Zip: 23231	Nissan Kicks S	• State Minimum Liability • Comp / Collision
Seat Belt	AAA	$318	Gordon, 25 Zip: 23229	Acura TLX Tech	• 50,000/100,000 Liability • Comp / Collision
Improper Passing	Mercury	$145	Fred, 56 Zip: 23228	Chevrolet Uplander LS	• 30,000/60,000 Liability • Comp / Collision

Last Updated Sep 30, 2023

Cheap car insurance quotes in Henrico by age

Very old and very young drivers face higher than average rates in Henrico. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, expect to pay more for coverage in Henrico.

Cheapest car insurance in Henrico for young drivers

More specifically,

teen drivers

under the age of 19 or with a

provisional license

will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.

Here are some real-life examples of young drivers in Henrico who got insurance through Jerry.

Progressive

Delia (20 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23294)

Nissan Juke S

$164

per month

AAA

Nelle (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23238)

Hyundai Sonata Sport

$321

per month

Safeco

Lois (24 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23231)

Chevrolet Cruze LT

$150

per month

Allstate

Terry (24 years old)

Coverage

State Minimum

Henrico, VA (Zip Code: 23231)

Mercedes-Benz GLC 300 4matic

$277

per month

Gainsco

Carrie (22 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23228)

Lexus IS 250

$306

per month

Cheapest car insurance in Henrico for senior drivers

Golden years come with

golden price tags

, unfortunately. Senior drivers are more vulnerable to serious injury in a car accident, which is why car insurance companies charge them more for coverage.

Progressive

Francisco (79 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23231)

Ford Fiesta SE

$210

per month

Nationwide

Marcus (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23229)

Ford Fusion SE

$83

per month

Safeco

Amy (66 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23075)

Ford Taurus Limited

$72

per month

AAA

Mathilda (78 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23233)

Hyundai Accent SE

$86

per month

State Auto

Delia (78 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Henrico, VA (Zip Code: 23238)

Lexus GS 300

$73

per month

Cheap car insurance quotes in Henrico based on insurance history

If you don’t maintain car insurance coverage consistently, the companies will see a

lapse in coverage

on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.

Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Henrico drivers below.

Progressive

Nettie (30 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23238)

Nissan Murano S

$146

per month

Nationwide

Ethan (50 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23228)

Acura RDX

$104

per month

AAA

Rodney (50 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Henrico, VA (Zip Code: 23231)

Chevrolet Blazer

$82

per month

Allstate

Russell (28 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23231)

Nissan Altima 2.5

$196

per month

Mercury

Bernice (36 years old)

Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Henrico, VA (Zip Code: 23294)

Honda Civic EX

$177

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Travelers is so quick to send help! And I got a discount for renewing!

Kenya

Always help me out with budget prices

Daniel

For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.

Briana

By far the cheapest and best insurance, yet fits right into my budget!

Bethane

Cheap car insurance quotes in Henrico for drivers with poor credit

While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if

your credit score

is under 600, you can expect to be charged a higher rate for coverage in Henrico.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$171	Loretta, 22 Zip: 23294	Hyundai Elantra GT	• 30,000/60,000 Liability
660 - 750	Allstate	$73	Craig, 42 Zip: 23229	Mazda CX-5 Sport	• 50,000/100,000 Liability • Comp / Collision
660 - 750	AAA	$294	Mable, 20 Zip: 23294	Nissan Juke S	• 30,000/60,000 Liability • Comp / Collision
550 - 659	Travelers	$220	Ina, 29 Zip: 23228	Nissan Maxima S	• 30,000/60,000 Liability • Comp / Collision
< 550	Gainsco	$114	Marvin, 28 Zip: 23238	Ford Focus SEL	• 30,000/60,000 Liability

Last Updated Sep 27, 2023

Cheap car insurance quotes in Henrico for popular cars

The car you drive has a big influence on how much you pay for coverage in Henrico. A souped up

Range Rover

should cost more to insure than a practical

Camry

, right?

Here are some of the most popular cars in Henrico:

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 LE	Progressive	$114	Martha, 33 Zip: 23228	• 30,000/60,000 Liability • Comp / Collision

Last Updated Oct 3, 2023

How to lower car insurance costs in Henrico

1. Shop around and compare quotes

Every insurance company operates by a unique set of rules to determine your premium, and these rules are in a constant state of flux. Seasoned experts recommend comparing quotes from a minimum of three companies to find the lowest rate. They also say you should

shop around every six months

Jerry is an insurance comparison app that makes the mind-numbing shopping process a breeze. In 45 seconds, Jerry taps into a vast pool of over 55 top-tier insurance providers.

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. Drive safely, avoid at-fault accidents, and don’t get any points on your license. If you do this, you could unlock a

safe driver discount

Telematics discounts. Telematics programs track your driving habits and reward good behavior. You can usually get a discount just for signing up!

Good student discounts. Full-time high school and college students can usually qualify for a discount by earning at least a B average.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

Why is car insurance in Henrico so expensive?

Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:

Cost of car parts

Traffic accident rates

Rising medical costs

Natural disasters

Learn more:

11 Ways to lower car insurance

FAQ

How much is car insurance in Henrico?

People living in Henrico pay on average $117 per month – or $1,409 per year – on state-minimum liability coverage. Full coverage in Henrico costs on average $119 per month of $1,429 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Henrico?

Based on thousands of Henrico drivers Jerry has worked with, car insurance in Henrico costs an average of $117 per month for state-minimum coverage and $119 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Henrico?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, State Auto, and The General receive good ratings from Henrico drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Henrico, Virginia?

The state-minimum car insurance in Henrico, Virginia is as follows:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$20,000 property damage liability per accident

These coverages are commonly referred to as 30/60/20 coverage.

Virginia drivers must carry the same amount of uninsured motorist coverage at 30/60/20.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.