Car Insurance in Richmond, Virginia
Estimated full coverage in Richmond runs about $1,475 a year ($123/month) — ▲ +8% versus the Virginia average, ranking 4th most expensive of the 13 Virginia cities we cover.
Why car insurance in Richmond costs more than the Virginia average
Insurers price by territory, and Richmond's numbers explain most of the gap. With 233,655 residents on 59.9 square miles, the city's density (3,899 people per square mile) is 10.3 times the density where the typical Virginia resident lives (378). The average commute is 21.7 minutes (Virginia: 27.3), and 63% of workers drive alone. Together these put our location factor at 1.08× the state baseline for liability and collision, and 1.07× for comprehensive once FEMA weather risk for Richmond city is included.
| Factor | Richmond | Virginia ref. | Why it matters |
|---|---|---|---|
| Population density | 3,899 / sq mi | 378 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.7 min | 27.3 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 63.0% | — | Share of workers commuting by car. |
| Public transit to work | 2.9% | — | Transit use lowers how much residents drive. |
| Work from home | 19.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 13.0% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 59.6 | 62.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Richmond
Rates can change from one ZIP code to the next. Across 10 Richmond ZIP codes, our full-coverage estimate ranges from $1,375 in 23173 to $1,515 in 23224. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 23234 | 47,465 | 2,484 | 25.3 min | 5.6% | $1,485 | +1% |
| 23225 | 42,771 | 3,066 | 22.2 min | 7.5% | $1,465 | −1% |
| 23224 | 40,575 | 3,510 | 25.7 min | 12.7% | $1,515 | +3% |
| 23220 | 34,671 | 7,169 | 17.7 min | 17.8% | $1,475 | 0% |
| 23222 | 26,322 | 3,225 | 24.9 min | 11.7% | $1,500 | +2% |
| 23226 | 15,477 | 2,750 | 18.3 min | 1.9% | $1,410 | −4% |
| 23221 | 14,402 | 4,362 | 17.6 min | 4.8% | $1,435 | −3% |
| 23219 | 4,062 | 3,061 | 18.9 min | 26.6% | $1,425 | −3% |
| 23284 | 2,362 | 18,896 | 12.3 min | 20.0% | $1,475 | 0% |
| 23173 | 2,107 | 6,443 | 10.2 min | — | $1,375 | −7% |
Minimum car insurance in Richmond
Richmond drivers follow Virginia's rules: at least 50/100/25 liability coverage, and uninsured motorist coverage. Virginia is at-fault (tort). We estimate state-minimum coverage in Richmond at $675 a year, and $815 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Virginia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/25 Every liability policy must include uninsured motorist coverage at no less than the minimum liability limits. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100/25 Virginia's required uninsured motorist coverage also protects against underinsured drivers. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expense benefits coverage is optional. | Medical bills for you and your passengers |
Every vehicle registered in Virginia must be insured; paying an uninsured motor vehicle fee instead of buying insurance is no longer allowed.
Minimums were raised recently from 30/60/20, and the uninsured motor vehicle fee option was eliminated.
Risk factors that shape Richmond premiums
Accidents
Virginia recorded 917 traffic deaths, or 1.04 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Virginia's vehicle theft rate is 112 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Richmond city as relatively low for hail, relatively moderate for inland flooding and relatively low for strong wind, and relatively low for hurricanes.
Traffic & commuting
4.3% of Richmond commuters spend an hour or more getting to work, and there are 1.46 vehicles per household. 19.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 59.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 66.8 | Comprehensive; dwelling | |
| Hurricane | 79.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 82.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 39.8 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 29.5 | Comprehensive; dwelling | |
| Winter weather | 53.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Richmond by driver profile
A clean-record driver in their 50s pays the least in our Richmond model (about $1,360 for full coverage); an 18-year-old on their own policy pays about $4,060, and a DUI pushes a 30-something to $2,730.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,860 | $2,250 | $4,060 | $338 |
| Young adult (22) | $1,080 | $1,310 | $2,360 | $197 |
| Adult in their 30s | $675 | $815 | $1,475 | $123 |
| Adult in their 50s | $620 | $750 | $1,360 | $113 |
| Senior (72) | $760 | $915 | $1,655 | $138 |
| 30s, one at-fault accident | $980 | $1,185 | $2,140 | $178 |
| 30s, DUI on record | $1,250 | $1,510 | $2,730 | $228 |
Minimum vs. standard vs. full coverage in Richmond
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $675 | $56 | $555–$800 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $815 | $68 | $670–$965 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,475 | $123 | $1,210–$1,740 |
Estimate your premium in Richmond
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Cheap car insurance in Richmond: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Richmond's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 19.5% of Richmond workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $365 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $660 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $325 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Richmond
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 32 offices listed below.
- Check complaint records with the Virginia Bureau of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Richmond, our estimates differ by up to $140 a year between neighborhoods.
Car insurance agents near Richmond, VA
We found 32 insurance offices within about 6 miles of central Richmond, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Matthew Becker - State Farm Insurance Agent
VA -
Erie Insurance
105 E Cary Street, Richmond, VA 23219 -
Mike Jones - State Farm
1351 West Broad Street, Richmond, VA 23220 -
Allstate
VA -
Mike Fisher - State Farm
Southside Plaza 4662 N Southside Plaza, Richmond, VA 23224 -
Direct Auto Insurance
607 Belt Boulevard, , VA -
Managed Care Innovations
316 West Broad Street, Richmond, VA 23220 -
Nationalwide Insurance - Hedrick Agency
VA -
Harry R. James Insurance
318 East Grace Street, , VA -
Liberty Mutual Insurance
VA -
AAA Scott's Addition Car Care Insurance Travel Center
929 Myers Street, Richmond, VA 23230 -
Amwins
3318 West Broad Street, Richmond, VA 23230 -
Frenious Kidney Care
VA -
GLM Insurance Building
VA -
State Farm
VA -
Erie Insurance
2920 W Broad Street, Suite 100, Richmond, VA 23230 -
Rob Reece - Allstate
7958 Forest Hill Ave, Richmond, VA 23225 -
Nationwide
VA -
Madeline Gissel Linares - Farmers Insurance
306 Turner Rd, North Chesterfield, VA 23225 -
Percy Barnett - State Farm
4900 Libbie Mill E Blvd, Suite 160, Richmond, VA 23230 -
Brian Cory - GEICO
8010 Midlothian Turnpike, Richmond, VA 23235 -
Brooks Baltich - State Farm
305 Twinridge Lane, Richmond, VA 23235 -
Erie Insurance
6002 W Broad Street, Suite 201, Richmond, VA 23230 -
James Brian Steele - Farmers Insurance
8710 Choctaw Rd, North Chesterfield, VA 23235 -
Jeff McKinney - State Farm
9025 Forest Hill Avenue, N Chesterfld, VA 23235 -
Allrisk Insurance
VA -
Emilse T Tanton - Farmers Insurance
7206 Hull St Rd, North Chesterfield, VA 23235 -
Jessika Andre - Farmers Insurance
7631 Hull St Rd, North Chesterfield, VA 23235 -
Tom Pearson - State Farm
9201 Arboretum Parkway, Suite 110, Richmond, VA 23236 -
AAA Insurance
7009 West Broad Street, , VA 23294 -
Scott Reid - State Farm
5400 Glenside Dr, Suite C, Richmond, VA 23228 -
Erie Insurance
5402 Glenside Drive, Suite C, Richmond, VA 23228
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Richmond
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,110 | −25% |
| Subaru Outback | Wagon | $1,100 | −25% |
| Tesla Model 3 | Midsize car | $1,550 | +5% |
| Subaru Forester | Small SUV | $1,075 | −27% |
| Honda Civic | Compact car | $1,690 | +15% |
| Toyota Corolla | Compact car | $1,580 | +7% |
| Jeep Wrangler | Midsize SUV | $1,250 | −15% |
| Mazda CX-5 | Small SUV | $1,250 | −15% |
| MINI Cooper | Subcompact car | $1,120 | −24% |
| Tesla Model Y | Midsize SUV | $1,395 | −5% |
Car insurance in nearby Virginia cities
- Fredericksburg $1,575/yr · 53 mi
- Charlottesville $1,415/yr · 65 mi
- Newport News $1,470/yr · 69 mi
- Hampton $1,460/yr · 73 mi
- Suffolk $1,375/yr · 74 mi
- Norfolk $1,515/yr · 81 mi
- Chesapeake $1,405/yr · 87 mi
- Alexandria $1,665/yr · 91 mi
- Lynchburg $1,340/yr · 95 mi
- Virginia Beach $1,435/yr · 95 mi
- Danville $1,350/yr · 125 mi
- Roanoke $1,400/yr · 137 mi
All Virginia cities and state rules · Homeowners insurance in Richmond
Frequently asked questions
How much is car insurance in Richmond, VA?
We estimate full coverage in Richmond at about $1,475 a year ($123 a month) for a driver in their 30s with a clean record, and about $675 for Virginia's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Richmond more expensive than the Virginia average?
Our Richmond estimate is 8% higher than the statewide figure. The model reflects a population density of 3,899 people per square mile (the typical Virginia resident lives at about 378) and an average commute of 21.7 minutes versus 27.3 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Richmond?
Drivers in Richmond follow Virginia law: at least 50/100/25 liability coverage and uninsured motorist coverage.
Which ZIP code in Richmond has the cheapest car insurance?
Among Richmond's 10 ZIP codes, 23173 has the lowest estimate (about $1,375 a year for full coverage) and 23224 the highest (about $1,515), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Richmond?
An 18-year-old with their own full-coverage policy would pay around $4,060 a year in Richmond by our estimate ($1,860 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Richmond?
FEMA's National Risk Index does not rate Richmond city as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Richmond?
We list 32 insurance offices in and around Richmond, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Virginia DMV: Vehicle Insurance Coverage Requirements Change January 1
- Virginia DMV: Insurance Requirements
- Virginia DMV: New Laws Take Effect July 1, 2024 (UMV fee eliminated)
- Code of Virginia 38.2-2206 (uninsured motorist insurance coverage)
- Virginia DMV: Financial Responsibility Certifications (SR-22/FR-44)
- Virginia DMV: A Guide to Reinstating Your Virginia Driving Privilege
- Virginia SCC Bureau of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Richmond and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places