Cheap Car Insurance in Richmond, VA (October 2025)

Written by Xuyun Zeng and 2 others
Updated Oct 14, 2025
Written by
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Cheap Car Insurance in Richmond, VA (October 2025)

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On This Page
  • Cheapest minimum coverage insurance in Richmond
  • Cheapest full coverage insurance in Richmond
  • Cheapest car insurance for young drivers in Richmond (18-29 years old)
  • Cheapest car insurance for mature drivers in Richmond (30-54 years old)
  • Cheapest car insurance for older drivers in Richmond (55+ years old)
  • Cheapest car insurance for drivers with clean records in Richmond
  • Cheapest car insurance for drivers with low credit scores in Richmond
  • Cheapest car insurance for drivers with at-fault accidents in Richmond
  • Cheapest car insurance for drivers with speeding tickets in Richmond
  • Cheapest car insurance for drivers with DUIs in Richmond

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.

More: Best car insurance in Virginia

Cheapest minimum coverage insurance in Richmond

As of Jan. 1, 2025, drivers are required to carry these minimum coverages in Virginia:

  • $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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$40 $480 Progressive 74 05/15/25 Richmond, VA 23227
$43 $512 Electric 46 05/17/25 Richmond, VA 23235
$50 $596 Electric 39 06/17/25 Richmond, VA 23237
$51 $616 Electric 46 06/27/25 Richmond, VA 23223
$54 $648 Electric 44 06/23/25 Richmond, VA 23223
$58 $698 Electric 41 06/20/25 Richmond, VA 23225
$63 $754 Progressive 43 06/21/25 Richmond, VA 23225
$68 $820 Electric 36 05/26/25 Richmond, VA 23223
$70 $844 Liberty Mutual 31 09/17/25 Richmond, VA 23223
$71 $850 Bristol West 65 04/30/25 Richmond, VA 23234
Last Updated Oct. 15, 2025

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.

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More: Cheapest car insurance in Virginia

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$63 $754 Progressive 43 06/21/25 Richmond, VA 23225
$70 $844 Liberty Mutual 31 09/17/25 Richmond, VA 23223
$73 $876 Electric 40 06/18/25 Richmond, VA 23223
$76 $908 Electric 39 06/16/25 Richmond, VA 23219
$85 $1,022 Electric 39 06/16/25 Richmond, VA 23222
$86 $1,036 Electric 37 06/13/25 Richmond, VA 23226
$96 $1,156 Progressive 45 06/28/25 Richmond, VA 23237
$97 $1,160 Electric 38 06/11/25 Richmond, VA 23220
$100 $1,200 Electric 37 06/14/25 Richmond, VA 23227
$101 $1,212 Bristol West 72 07/09/25 Richmond, VA 23225
Last Updated Oct. 15, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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 car insurance can help you find the cheapest coverage. These are the cheapest quotes that young Jerry customers in Richmond have received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$92 $1,100 Progressive 26 No 04/27/25 Richmond, VA 23227
$99 $1,182 Electric 24 No 08/03/25 Richmond, VA 23234
$103 $1,230 Progressive 29 Yes 08/07/25 Richmond, VA 23225
$111 $1,332 ROOT 27 No 10/10/25 Richmond, VA 23225
$122 $1,468 Clearcover 29 Yes 06/25/25 Richmond, VA 23235
$86 $1,036 Electric 37 06/13/25 Richmond, VA 23226
$96 $1,156 Progressive 45 06/28/25 Richmond, VA 23237
$97 $1,160 Electric 38 06/11/25 Richmond, VA 23220
$100 $1,200 Electric 37 06/14/25 Richmond, VA 23227
$101 $1,212 Bristol West 72 07/09/25 Richmond, VA 23225
Last Updated Oct. 15, 2025

More: Get cheap car insurance the smart way, today

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$54 $648 Electric 44 No 06/23/25 Richmond, VA 23223
$58 $698 Electric 41 No 06/20/25 Richmond, VA 23225
$63 $754 Progressive 43 Yes 06/21/25 Richmond, VA 23225
$68 $820 Electric 36 No 05/26/25 Richmond, VA 23223
$70 $844 Liberty Mutual 31 Yes 09/17/25 Richmond, VA 23223
$86 $1,036 Electric 37 06/13/25 Richmond, VA 23226
$96 $1,156 Progressive 45 06/28/25 Richmond, VA 23237
$97 $1,160 Electric 38 06/11/25 Richmond, VA 23220
$100 $1,200 Electric 37 06/14/25 Richmond, VA 23227
$101 $1,212 Bristol West 72 07/09/25 Richmond, VA 23225
Last Updated Oct. 15, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$40 $480 Progressive 74 05/15/25 Richmond, VA 23227 No
$71 $850 Bristol West 65 04/30/25 Richmond, VA 23234 No
$77 $920 Progressive 63 06/05/25 Richmond, VA 23234 No
$102 $1,228 National General 61 07/13/25 Richmond, VA 23222 No
$114 $1,372 Electric 56 07/26/25 Richmond, VA 23234 Yes
$86 $1,036 Electric 37 06/13/25 Richmond, VA 23226
$96 $1,156 Progressive 45 06/28/25 Richmond, VA 23237
$97 $1,160 Electric 38 06/11/25 Richmond, VA 23220
$100 $1,200 Electric 37 06/14/25 Richmond, VA 23227
$101 $1,212 Bristol West 72 07/09/25 Richmond, VA 23225
Last Updated Oct. 15, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$40 $480 Progressive 74 05/15/25 No Richmond, VA 23227
$54 $648 Electric 44 06/23/25 No Richmond, VA 23223
$58 $698 Electric 41 06/20/25 No Richmond, VA 23225
$63 $754 Progressive 43 06/21/25 Yes Richmond, VA 23225
$68 $820 Electric 36 05/26/25 No Richmond, VA 23223
$70 $844 Liberty Mutual 31 09/17/25 Yes Richmond, VA 23223
$71 $850 Bristol West 65 04/30/25 No Richmond, VA 23234
$71 $854 Electric 34 09/23/25 No Richmond, VA 23223
$73 $870 Bristol West 39 06/16/25 No Richmond, VA 23219
$73 $876 Bristol West 39 06/17/25 No Richmond, VA 23236
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Richmond

Virginia allows insurers to use a credit-based insurance score 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $620 Progressive 43 04/18/24 Richmond, VA 23235
<550 $97 $1,168 Progressive 47 07/16/25 Richmond, VA 23225
<550 $98 $1,180 Progressive 64 11/17/24 Richmond, VA 23230
<550 $100 $1,198 Progressive 57 06/16/25 Richmond, VA 23222
<550 $108 $1,300 Electric 34 09/03/24 Richmond, VA 23229
$70 $844 Liberty Mutual 31 Richmond, VA 23223
$71 $850 Bristol West 65 Richmond, VA 23234
$71 $854 Electric 34 Richmond, VA 23223
$73 $870 Bristol West 39 Richmond, VA 23219
$73 $876 Bristol West 39 Richmond, VA 23236
Last Updated Oct. 15, 2025

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
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $63 $752 Progressive 35 Yes 05/29/24 Richmond, VA 23227
At Fault With No Injury $64 $762 Progressive 38 Yes 09/18/24 Richmond, VA 23223
At Fault With No Injury $67 $804 Progressive 28 No 07/04/24 Richmond, VA 23222
At Fault With No Injury $81 $970 National General 48 No 10/31/24 Richmond, VA 23224
At Fault With No Injury $85 $1,018 National General 42 No 11/12/24 Richmond, VA 23219
$70 $844 Liberty Mutual 31 Yes Richmond, VA 23223
$71 $850 Bristol West 65 No Richmond, VA 23234
$71 $854 Electric 34 No Richmond, VA 23223
$73 $870 Bristol West 39 No Richmond, VA 23219
$73 $876 Bristol West 39 No Richmond, VA 23236
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Richmond

Getting a speeding citation 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $77 $920 Electric 32 08/11/25 Richmond, VA 23220
Speeding over 15 $138 $1,650 National General 27 08/04/25 Richmond, VA 23225
Speeding under 15 $139 $1,666 Assurance America 53 07/03/25 Richmond, VA 23223
Speeding over 15 $147 $1,764 ROOT 56 08/22/25 Richmond, VA 23222
Speeding under 15 $149 $1,790 ROOT 32 09/21/25 Richmond, VA 23220
$70 $844 Liberty Mutual 31 09/17/25 Richmond, VA 23223
$71 $850 Bristol West 65 04/30/25 Richmond, VA 23234
$71 $854 Electric 34 09/23/25 Richmond, VA 23223
$73 $870 Bristol West 39 06/16/25 Richmond, VA 23219
$73 $876 Bristol West 39 06/17/25 Richmond, VA 23236
Last Updated Oct. 15, 2025

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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $94 $1,132 Gainsco 52 08/05/25 Richmond, VA 23237
DUI $110 $1,316 Progressive 52 06/01/25 Richmond, VA 23234
DUI $252 $3,022 Progressive 48 10/02/25 Richmond, VA 23224
DUI $383 $4,600 Assurance America 29 05/30/25 Richmond, VA 23225
DUI $414 $4,968 Gainsco 43 08/25/25 Richmond, VA 23225
$70 $844 Liberty Mutual 31 09/17/25 Richmond, VA 23223
$71 $850 Bristol West 65 04/30/25 Richmond, VA 23234
$71 $854 Electric 34 09/23/25 Richmond, VA 23223
$73 $870 Bristol West 39 06/16/25 Richmond, VA 23219
$73 $876 Bristol West 39 06/17/25 Richmond, VA 23236
Last Updated Oct. 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Expert-driven. Built for you.
Summary
Our goal is clear, trustworthy information.
Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.
Our experts
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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