If you prove that you're a safe and responsible driver with a clean record, you could qualify for Richmond's lowest car insurance premiums. Liability insurance, collision auto insurance, and comprehensive auto insurance together are considered full coverage. While the average cost of car insurance in Richmond is more affordable than in other cities, it's likely that some strategies can help you pay even less. If you're looking for the best auto insurance company, you might want to get several quotes from different companies to find the right policy or the most affordable insurance rates for you.
For example, combining your home insurance and your car insurance policy could result in savings of 5% on each of them. The minimum coverage auto insurance rates shown on this page are based on a policy that meets Virginia's minimum liability requirements. We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Richmond zip code to find the cheapest car insurance companies and rates. Virginia Farm Bureau offers the most affordable car insurance to drivers with a speeding ticket or accident on their records in Richmond.
Allstate is the cheapest car insurance company in Richmond for teen and young drivers who want minimum state coverage, while State Farm is the cheapest for teens who want full coverage. USAA, the nation's fifth largest auto insurer according to the Insurance Information Institute (Triple-I), does not qualify for the official J classification. Read more about car insurance in Richmond, including the average rates paid by zip code, age group and nearby cities.