Cheap Car Insurance in Richmond, VA (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 7, 2025
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Cheap Car Insurance in Richmond, VA (July 2025)

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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 Policy
City, State
ZIP Code
$51 $606 Progressive 29 July 13, 2024 Richmond, VA 23233
$52 $618 Progressive 53 April 2, 2025 Richmond, VA 23223
$52 $626 Progressive 27 April 6, 2025 Richmond, VA 23224
$53 $640 Progressive 38 June 3, 2025 Richmond, VA 23220
$56 $668 Progressive 74 May 15, 2025 Richmond, VA 23227
$58 $690 Progressive 38 December 12, 2024 Richmond, VA 23226
$64 $772 National General 62 March 17, 2025 Richmond, VA 23225
$65 $778 Electric 33 January 31, 2025 Richmond, VA 23223
$65 $782 Electric 54 March 22, 2025 Richmond, VA 23236
$67 $798 National General 51 May 5, 2025 Richmond, VA 23224
Last Updated Jul 8, 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.

Find affordable car insurance in minutes.

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 Policy
City, State
ZIP Code
$51 $608 Progressive 34 May 24, 2024 Richmond, VA 23233
$52 $618 Progressive 53 April 2, 2025 Richmond, VA 23223
$52 $620 Progressive 43 April 18, 2024 Richmond, VA 23235
$52 $626 Progressive 27 April 6, 2025 Richmond, VA 23224
$56 $666 Progressive 32 February 4, 2025 Richmond, VA 23223
$56 $668 Progressive 74 May 15, 2025 Richmond, VA 23227
$60 $724 Progressive 36 May 18, 2024 Richmond, VA 23223
$63 $752 Progressive 35 May 29, 2024 Richmond, VA 23227
$64 $762 Progressive 38 September 18, 2024 Richmond, VA 23223
$64 $772 National General 62 March 17, 2025 Richmond, VA 23225
Last Updated Jul 8, 2025

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 Policy
City, State
ZIP Code
$51 $606 Progressive 29 No July 13, 2024 Richmond, VA 23233
$52 $626 Progressive 27 Yes April 6, 2025 Richmond, VA 23224
$67 $804 Progressive 28 No July 4, 2024 Richmond, VA 23222
$75 $894 Progressive 22 No November 29, 2024 Richmond, VA 23221
$85 $1,016 Progressive 26 Yes June 26, 2024 Richmond, VA 23220
Last Updated Jul 8, 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 Policy
City, State
ZIP Code
$51 $608 Progressive 34 Yes May 24, 2024 Richmond, VA 23233
$52 $618 Progressive 53 Yes April 2, 2025 Richmond, VA 23223
$52 $620 Progressive 43 Yes April 18, 2024 Richmond, VA 23235
$53 $640 Progressive 38 No June 3, 2025 Richmond, VA 23220
$56 $666 Progressive 32 Yes February 4, 2025 Richmond, VA 23223
Last Updated Jul 7, 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 Policy
City, State
ZIP Code
Has Full Coverage
$54 $650 Progressive 56 February 3, 2024 Richmond, VA 23237 No
$56 $668 Progressive 74 May 15, 2025 Richmond, VA 23227 Yes
$64 $772 National General 62 March 17, 2025 Richmond, VA 23225 Yes
$66 $792 National General 65 October 29, 2024 Richmond, VA 23225 No
$73 $880 National General 63 April 7, 2025 Richmond, VA 23223 No
Last Updated Jul 7, 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 Policy
Has Full Coverage
City, State
ZIP Code
$51 $606 Progressive 29 July 13, 2024 No Richmond, VA 23233
$52 $620 Progressive 43 April 18, 2024 Yes Richmond, VA 23235
$52 $626 Progressive 27 April 6, 2025 Yes Richmond, VA 23224
$53 $640 Progressive 38 June 3, 2025 No Richmond, VA 23220
$54 $650 Progressive 56 February 3, 2024 No Richmond, VA 23237
$56 $676 Progressive 35 November 15, 2024 No Richmond, VA 23231
$58 $690 Progressive 38 December 12, 2024 No Richmond, VA 23226
$60 $724 Electric 32 November 1, 2024 No Richmond, VA 23230
$60 $724 Progressive 36 May 18, 2024 Yes Richmond, VA 23223
$62 $742 Progressive 30 April 6, 2024 No Richmond, VA 23224
Last Updated Jul 6, 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 April 18, 2024 Richmond, VA 23235
<550 $54 $650 Progressive 56 February 3, 2024 Richmond, VA 23237
<550 $75 $900 Electric 64 November 17, 2024 Richmond, VA 23230
<550 $85 $1,024 Progressive 57 June 16, 2025 Richmond, VA 23222
<550 $94 $1,130 National General 36 October 20, 2024 Richmond, VA 23227
Last Updated Jul 8, 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 $51 $608 Progressive 34 Yes May 24, 2024 Richmond, VA 23233
At Fault With No Injury $63 $752 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 $66 $792 National General 65 No October 29, 2024 Richmond, VA 23225
At Fault With No Injury $67 $804 Progressive 28 No July 4, 2024 Richmond, VA 23222
Last Updated Jul 6, 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 Policy
City, State
ZIP Code
Speeding over 15 $64 $762 Progressive 38 September 18, 2024 Richmond, VA 23223
Speeding over 15 $75 $896 Electric 46 November 20, 2024 Richmond, VA 23229
Speeding over 15 $85 $1,018 Progressive 35 March 19, 2025 Richmond, VA 23224
Speeding over 15 $92 $1,108 National General 30 June 17, 2024 Richmond, VA 23220
Speeding under 15 $99 $1,182 Progressive 27 March 30, 2025 Richmond, VA 23228
Last Updated Jul 7, 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 Policy
City, State
ZIP Code
DUI $95 $1,142 Progressive 52 June 17, 2025 Richmond, VA 23237
DUI $163 $1,956 Bristol West 29 August 16, 2024 Richmond, VA 23225
DUI $165 $1,976 Electric 28 February 24, 2025 Richmond, VA 23226
DUI $247 $2,962 Gainsco 33 April 14, 2025 Richmond, VA 23224
DUI $256 $3,072 Trexis 34 November 13, 2024 Richmond, VA 23227
Last Updated Jul 8, 2025

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.

MEET OUR EXPERTS
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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 $85 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.