Cheap Car Insurance in Richmond, VA (May 2025)

Written by Xuyun Zeng and 2 others
Updated Mar 3, 2025
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Cheap Car Insurance in Richmond, VA (May 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.

Cheapest minimum coverage insurance in Richmond

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

  • $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
$43 $510 National General 38 December 12, 2024 Richmond, VA 23226
$47 $558 Electric 30 February 10, 2025 Richmond, VA 23221
$52 $618 Progressive 53 April 2, 2025 Richmond, VA 23223
$52 $626 Progressive 27 April 6, 2025 Richmond, VA 23224
$65 $778 Electric 33 January 31, 2025 Richmond, VA 23223
$67 $798 National General 51 May 5, 2025 Richmond, VA 23224
$67 $801 Safeco 35 March 19, 2025 Richmond, VA 23224
$78 $941 Clearcover 28 May 4, 2025 Richmond, VA 23224
$79 $942 Electric 62 April 16, 2025 Richmond, VA 23225
$81 $968 National General 36 March 14, 2025 Richmond, VA 23223
Last Updated May 26, 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.

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 $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
$60 $724 Progressive 36 May 18, 2024 Richmond, VA 23223
$92 $1,098 Progressive 39 October 1, 2024 Richmond, VA 23222
$94 $1,128 National General 29 October 25, 2024 Richmond, VA 23231
$99 $1,182 Progressive 27 March 30, 2025 Richmond, VA 23228
$99 $1,190 Electric 32 December 16, 2024 Richmond, VA 23220
$101 $1,206 Progressive 76 April 22, 2024 Richmond, VA 23223
Last Updated May 23, 2025

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 the best rate 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
$52 $626 Progressive 27 Yes April 6, 2025 Richmond, VA 23224
$78 $941 Clearcover 28 No May 4, 2025 Richmond, VA 23224
$94 $1,122 Progressive 24 No January 22, 2024 Richmond, VA 23220
$94 $1,128 National General 29 Yes October 25, 2024 Richmond, VA 23231
$98 $1,170 Progressive 27 No January 25, 2024 Richmond, VA 23225
Last Updated May 23, 2025

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
$43 $510 National General 38 No December 12, 2024 Richmond, VA 23226
$47 $558 Electric 30 No February 10, 2025 Richmond, VA 23221
$51 $608 Progressive 34 Yes May 24, 2024 Richmond, VA 23233
$52 $618 Progressive 53 No April 2, 2025 Richmond, VA 23223
$52 $620 Progressive 43 Yes April 18, 2024 Richmond, VA 23235
Last Updated May 23, 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
$79 $942 Electric 62 April 16, 2025 Richmond, VA 23225 No
$83 $992 National General 62 November 12, 2024 Richmond, VA 23224 No
$95 $1,136 Progressive 64 December 15, 2024 Richmond, VA 23220 No
$101 $1,206 Progressive 76 April 22, 2024 Richmond, VA 23223 Yes
Last Updated May 24, 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
$43 $510 National General 38 December 12, 2024 No Richmond, VA 23226
$52 $620 Progressive 43 April 18, 2024 Yes Richmond, VA 23235
$52 $626 Progressive 27 April 6, 2025 Yes Richmond, VA 23224
$54 $650 Progressive 56 February 3, 2024 No Richmond, VA 23237
$56 $676 Progressive 35 November 15, 2024 No Richmond, VA 23231
$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
$65 $778 Electric 33 January 31, 2025 No Richmond, VA 23223
$67 $798 National General 51 May 5, 2025 No Richmond, VA 23224
Last Updated May 23, 2025

Cheapest car insurance for drivers with low credit scores in Richmond

Virginia allows insurers to use your credit history 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 $94 $1,124 National General 40 April 9, 2025 Richmond, VA 23237
<550 $113 $1,360 Gainsco 56 May 2, 2025 Richmond, VA 23226
<550 $123 $1,476 Assurance America 45 January 26, 2024 Richmond, VA 23227
Last Updated May 23, 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 $71 $846 National General 31 No June 28, 2024 Richmond, VA 23220
At Fault With No Injury $94 $1,122 Progressive 24 No January 22, 2024 Richmond, VA 23220
At Fault With No Injury $94 $1,124 National General 40 No April 9, 2025 Richmond, VA 23237
At Fault With No Injury $96 $1,154 National General 34 No November 1, 2024 Richmond, VA 23223
Last Updated May 23, 2025

Cheapest car insurance for drivers with speeding tickets in Richmond

Getting a speeding ticket 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 $67 $801 Safeco 35 March 19, 2025 Richmond, VA 23224
Speeding over 15 $75 $896 Electric 46 November 20, 2024 Richmond, VA 23229
Speeding under 15 $99 $1,182 Progressive 27 March 30, 2025 Richmond, VA 23228
Speeding under 15 $99 $1,190 Electric 32 December 16, 2024 Richmond, VA 23220
Speeding over 15 $119 $1,430 Electric 28 April 4, 2025 Richmond, VA 23227
Last Updated May 23, 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 $163 $1,956 Bristol West 29 August 16, 2024 Richmond, VA 23225
DUI $223 $2,676 Assurance America 65 January 24, 2024 Richmond, VA 23224
DUI $274 $3,289 Clearcover 37 April 6, 2025 Richmond, VA 23234
DUI $280 $3,362 Progressive 38 April 12, 2025 Richmond, VA 23237
DUI $290 $3,484 Electric 34 November 13, 2024 Richmond, VA 23227
Last Updated May 23, 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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds 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.