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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
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ZIP Code
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|---|
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $60 | $724 | 40 | 06/18/25 | 23223 | ||
| $66 | $794 | 41 | 10/04/25 | 23225 | ||
| $69 | $832 | 39 | 06/17/25 | 23223 | ||
| $77 | $924 | 52 | 06/05/25 | 23234 | ||
| $78 | $930 | 65 | 11/03/25 | 23222 | ||
| $81 | $968 | 40 | 08/05/25 | 23237 | ||
| $95 | $1,136 | 47 | 07/16/25 | 23225 | ||
| $95 | $1,140 | 59 | 10/03/25 | 23227 | ||
| $95 | $1,144 | 29 | 09/28/25 | 23223 | ||
| $97 | $1,158 | 39 | 06/16/25 | 23233 |
If you have a loan or lease on your vehicle, the lender will require
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.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $66 | $794 | 41 | 10/04/25 | 23225 | ||
| $69 | $832 | 39 | 06/17/25 | 23223 | ||
| $72 | $866 | 40 | 06/18/25 | 23223 | ||
| $95 | $1,136 | 47 | 07/16/25 | 23225 | ||
| $97 | $1,158 | 39 | 06/16/25 | 23233 | ||
| $102 | $1,224 | 55 | 07/07/25 | 23222 | ||
| $103 | $1,230 | 67 | 07/15/25 | 23230 | ||
| $106 | $1,274 | 46 | 06/01/25 | 23225 | ||
| $106 | $1,274 | 33 | 08/04/25 | 23225 | ||
| $108 | $1,296 | 41 | 08/18/25 | 23223 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $416 | 27 | No | 10/11/25 | 23228 | ||
| $59 | $706 | 29 | No | 06/25/25 | 23235 | ||
| $70 | $842 | 29 | No | 09/28/25 | 23223 | ||
| $75 | $901 | 19 | No | 07/07/25 | 23225 | ||
| $78 | $932 | 29 | No | 08/07/25 | 23225 | ||
| $102 | $1,224 | 55 | 07/07/25 | 23222 | |||
| $103 | $1,230 | 67 | 07/15/25 | 23230 | |||
| $106 | $1,274 | 46 | 06/01/25 | 23225 | |||
| $106 | $1,274 | 33 | 08/04/25 | 23225 | |||
| $108 | $1,296 | 41 | 08/18/25 | 23223 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $461 | 34 | No | 11/02/25 | 23224 | ||
| $48 | $570 | 53 | No | 09/29/25 | 23235 | ||
| $54 | $642 | 48 | No | 07/04/25 | 23227 | ||
| $71 | $854 | 39 | No | 06/18/25 | 23222 | ||
| $73 | $874 | 46 | Yes | 06/27/25 | 23223 | ||
| $102 | $1,224 | 55 | 07/07/25 | 23222 | |||
| $103 | $1,230 | 67 | 07/15/25 | 23230 | |||
| $106 | $1,274 | 46 | 06/01/25 | 23225 | |||
| $106 | $1,274 | 33 | 08/04/25 | 23225 | |||
| $108 | $1,296 | 41 | 08/18/25 | 23223 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $32 | $379 | 59 | 06/16/25 | 23222 | No | ||
| $69 | $826 | 63 | 10/14/25 | 23234 | No | ||
| $76 | $916 | 82 | 10/10/25 | 23227 | No | ||
| $77 | $928 | 60 | 10/24/25 | 23224 | No | ||
| $85 | $1,022 | 64 | 07/05/25 | 23225 | No | ||
| $102 | $1,224 | 55 | 07/07/25 | 23222 | |||
| $103 | $1,230 | 67 | 07/15/25 | 23230 | |||
| $106 | $1,274 | 46 | 06/01/25 | 23225 | |||
| $106 | $1,274 | 33 | 08/04/25 | 23225 | |||
| $108 | $1,296 | 41 | 08/18/25 | 23223 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $60 | $724 | 40 | 06/18/25 | No | 23223 | ||
| $66 | $794 | 41 | 10/04/25 | Yes | 23225 | ||
| $69 | $832 | 39 | 06/17/25 | Yes | 23223 | ||
| $77 | $924 | 52 | 06/05/25 | No | 23234 | ||
| $78 | $930 | 65 | 11/03/25 | No | 23222 | ||
| $81 | $968 | 40 | 08/05/25 | No | 23237 | ||
| $90 | $1,075 | 19 | 07/07/25 | No | 23225 | ||
| $95 | $1,136 | 47 | 07/16/25 | Yes | 23225 | ||
| $95 | $1,144 | 29 | 09/28/25 | No | 23223 | ||
| $97 | $1,158 | 39 | 06/16/25 | Yes | 23233 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Policy
|
City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $77 | $920 | 54 | 09/22/25 | 23225 | ||
| <550 | $100 | $1,198 | 57 | 06/17/25 | 23222 | ||
| <550 | $116 | $1,396 | 40 | 08/23/25 | 23220 | ||
| <550 | $120 | $1,444 | 27 | 08/25/25 | 23227 | ||
| <550 | $121 | $1,452 | 58 | 09/27/24 | 23228 | ||
| $81 | $968 | 40 | 23237 | ||||
| $90 | $1,075 | 19 | 23225 | ||||
| $95 | $1,136 | 47 | 23225 | ||||
| $95 | $1,144 | 29 | 23223 | ||||
| $97 | $1,158 | 39 | 23233 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $77 | $920 | 54 | No | 09/22/25 | 23225 | ||
| At Fault With No Injury | $81 | $970 | 47 | No | 11/09/24 | 23224 | ||
| At Fault With No Injury | $88 | $1,060 | 34 | No | 04/26/25 | 23226 | ||
| At Fault With No Injury | $106 | $1,272 | 26 | No | 07/20/25 | 23223 | ||
| At Fault With No Injury | $108 | $1,300 | 31 | No | 11/30/24 | 23225 | ||
| $81 | $968 | 40 | No | 23237 | ||||
| $90 | $1,075 | 19 | No | 23225 | ||||
| $95 | $1,136 | 47 | Yes | 23225 | ||||
| $95 | $1,144 | 29 | No | 23223 | ||||
| $97 | $1,158 | 39 | Yes | 23233 |
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.
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Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $23 | $281 | 42 | 09/01/25 | 23223 | ||
| Speeding over 15 | $108 | $1,290 | 43 | 09/11/25 | 23231 | ||
| Speeding over 15 | $118 | $1,410 | 29 | 10/21/25 | 23227 | ||
| Speeding under 15 | $121 | $1,456 | 34 | 09/11/25 | 23226 | ||
| Speeding over 15 | $125 | $1,504 | 42 | 10/15/25 | 23222 | ||
| $81 | $968 | 40 | 08/05/25 | 23237 | |||
| $90 | $1,075 | 19 | 07/07/25 | 23225 | |||
| $95 | $1,136 | 47 | 07/16/25 | 23225 | |||
| $95 | $1,144 | 29 | 09/28/25 | 23223 | |||
| $97 | $1,158 | 39 | 06/16/25 | 23233 |
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.
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Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $94 | $1,132 | 52 | 08/05/25 | 23237 | ||
| DUI | $153 | $1,830 | 52 | 06/01/25 | 23234 | ||
| DUI | $185 | $2,224 | 29 | 05/30/25 | 23225 | ||
| DUI | $337 | $4,038 | 28 | 07/01/25 | 23223 | ||
| DUI | $751 | $9,016 | 43 | 08/25/25 | 23225 | ||
| $81 | $968 | 40 | 08/05/25 | 23237 | |||
| $90 | $1,075 | 19 | 07/07/25 | 23225 | |||
| $95 | $1,136 | 47 | 07/16/25 | 23225 | |||
| $95 | $1,144 | 29 | 09/28/25 | 23223 | |||
| $97 | $1,158 | 39 | 06/16/25 | 23233 |
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.
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.
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.
