Cheap Car Insurance in Richmond, Virginia


Richmond is the capital of Virginia, and the fourth largest city in the state with a population of more than 200,000 people.

Driving Conditions In Richmond

The capital city is consistently ranked as one of the most commuter-friendly cities in America. Several major highways flow through Richmond, which allows it to "handle the traffic of a much larger city,” according to Forbes. “As a result, delays are mild.”

The Texas Transportation Institute found drivers in Richmond spend considerably less time stuck in traffic than other large cities.

The average commute time for people working in Richmond is 28 minutes, according to Index Mundi, which measures traffic congestion. Though workers commuting from within the city limits spend only 21 minutes in traffic

Gas prices in Richmond routinely fall below the national average.

Less than 100 miles from the Atlantic Coast, Richmond can be hit with heavy rain and flooding during hurricane season.

The Virginia Department of Transportation (VDOT) recommends drivers call 511 for real-time traffic information, lane closures, and road conditions. The VDOT also provides live traffic cameras for various cities around the state, including Richmond.

Unique Laws In Richmond

In Virginia, it is illegal for drivers to use radar detectors to avoid police speed traps, according to various law firms.

Drivers must also honk when passing another vehicle, according to the National Driver Safety Services.

Drivers are prohibited from smoking in cars where children under the age of 8 are present, according to the Virginia Legislative Information System.

Ease up on the lead foot. In Virginia, motorists can be charged with reckless driving for traveling only 10 miles an hour over the speed limit in some places. The interstate speed limit is 70 miles an hour, but any driver traveling 80 miles an hour or faster can be charged with reckless driving. In some cases, drivers are arrested for reckless driving, while others have their licenses suspended and face fines.

Though it may not be illegal to drive barefoot, the Virginia Department of Motor Vehicles (DMV) recommends motorists to wear shoes as a safety precaution.

Crime Statistics In Richmond

Richmond has one of the highest crime rates in the nation, including motor vehicle theft, according to Neighborhood Scout, which analyzed FBI crime data.

According to the Richmond Police Department’s Crime Incident Information Center, vehicle thefts continue to climb through the state capital. In 2016, the number of stolen cars has increased nearly 35 percent from the same period in the previous year. In 2015, there were 909 stolen cars in 2015, up from 738 in 2014.

According to the Virginia Department of Motor Vehicles (DMV), 185 people were killed in alcohol-related traffic accidents in 2015.Five of those fatalities occurred in Richmond in 2014.

The murder rate in Richmond is also nearly five times as high as the rest of the state.

The Richmond Police Department offers a detailed crime map of the city.

Safety Requirements In Richmond

In Virginia, motorists are prohibited from sending text messages from behind the wheel, while those under the age of 18 may not talk on the phone while driving, even if they are using a hands-free device.

Be sure to buckle up. In Virginia, anyone sitting in the front seat of a car must wear a seat belt, while those under the age of 18 must be strapped in at all times, even when they are riding in the back seat

Drivers who are involved in fender benders where no one is seriously injured are required to move their cars to the side of the road so as not to impede the regular flow of traffic, according to VDOT.

Impaired Driving Law In Richmond

According to the Virginia Department of Motor Vehicles, all motorists will be arrested for driving under the influence if their blood alcohol level is .08 or higher. Drivers who are under the age of 21 could have their license suspended if their blood alcohol level is .02 or higher.

Drivers who are below the legal limit may still be arrested if a police officer believes they are impaired. Those convicted of drunk driving can face up to one year in prison and a $1,000 fine. It is also illegal to drive under the influence of drugs, including marijuana.

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Car Insurance Richmond, Virginia Agents

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  • Bergstrom Insurance Agency - State Farm


    6809 Patterson Ave
    Richmond, VA 23226
    (804) 282-7022
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    The staff is always helpful and friendly. ""Like a good neighbor...""

    An old fashioned approach to insurance, great customer service and great advice. While others rely on cartoon characters and cheap neanderthal gimmicks, the Bergstrom agency rises head and shoulders above the crowd to deliver excellent value for the money!

  • Clark Insurance Agency


    4709 Mason Rest Ct
    Richmond, VA 23234
    (804) 271-1961
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    I have been associated with Mike Clark since 2002 when I bought my first Harley. I was referred to Mike through a friend who was a client. It was nice to learn that Mike was an avid rider and also owned a Harley and knew the things Harley riders had to be concerned with. He worked hard to get me the most coverage for the least amout of money. I highly recommend Mike as an agent and a friend to all riders. He will work hard for you, I know he did for me.

    Bill Windsor
    Chesterfield, VA

    I have known Mike Clark for many years now. He is not only my insurance agent but he is also a friend. I have on a number of occasions, needed assistance that required "above and beyond the call of duty". Mike has always made himself available and has rendered valuable help with all my insurance needs. I recommend Mike to all my friends and anyone with an insurance need. He is a man you can trust.

    Rocky Angone

    Rev R.J. Angone, Jr
    BlackHorse Trooper
    Pointman International Ministries
    Wreaths Across America; Richmond National Cemetery

  • Hayden Pryor Insurance Agency


    2050 John Rolfe Pkwy
    Richmond, VA 23238
    (804) 740-7400
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    I have been with State Farm for 18 years and have had 3 agents. I just relocated to Henrico, VA and have acquired my 4th agent, Hayden Pryor. I can tell you, that he REALLY takes his customers needs to heart. Hayden and his team really take time to explain coverages and make sure I understood what I was getting for my premium. I really feel like I got a true value from Hayden Pryor's office and can say because of him, State Farm has a customer for life!

  • J R Hart


    1102 Welborne Dr
    Richmond, VA 23229
    (804) 741-2123
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  • The Andrew Agency


    10415 Midlothian Tpke
    Richmond, VA 23235
    (804) 320-2886
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    The Andrew Agency is great! I was able to compare rates with several different companies and I found a policy for $365 less than I was paying before and the best part is I now have better coverage!

    If you were like me, I didn't know the difference between a captive agent and a broker. The Andrew Agency is a broker so they don't work for any one company they have access to several companies so they are working for you not the insurance company. You can shop for the best combination of coverage, discounts and price with 1 phone call. Who wants to spend all day online or meeting with a representative who can't help you when you can work with a great broker like The Andrew Agency.

  • A C & S Insurance Agency
  • A-able Insurance Agency
  • Aaa Insurance
  • Aaa Insurance
  • Aarco Auto Insurance Agency
  • Able Insurance Agency
  • Advanced Edge Insurance
  • Advanced Insurance Management
  • Affordable Insurance Center Of Va
  • Al Arrington
  • Albert Ruffin
  • All Risk Insurance Agency
  • Allan Howell Jr
  • Andrew A Boone
  • Aon Risk Services
  • Art Heifetz Insurance Agency
  • Ashcraft Insurance Agency Of Va
  • Asset Protection Group
  • Associated Insurance Systems
  • Associated Insurance Systems Service
  • Assurance Associates
  • B & P Insurance Solutions
  • Bacon Insurance Group
  • Bailey Insurance Agency
  • Ball-martin Insurance Agency
  • Banc Of America Insurance Services
  • Bb&t - Dejarnette & Paul
  • Beverley N Butler
  • Bill Conley
  • Billy Gordon
  • Bob Pierce
  • Bond Insurance Agency
  • Bradshaw Agency
  • Brenda Tribble
  • Brooke Agency - Charmaine Taylor Richardson
  • Brooks Baltich
  • Brown & Brown
  • Brown & Brown
  • Bruce J Schumm
  • Bruce Jones Insurance Agency
  • Bruce W Butler
  • Bsm & Associates Insurance
  • Butler Insurance Agency
  • C Al Taylor Insurance & Investment
  • C W Archer Insurance Agency
  • Carter R Ellis Insurance Agency
  • Carter R Ellis Insurance Agency
  • Cary-wheeler & Associates
  • Chester Baake
  • Chesterfield Insurers
  • Chris Bushong
  • Christine C Wiltshire
  • Clarence L Key, Jr
  • Clay T Perdue Iii
  • Coates Insurance Agency
  • Cole Consulting Group
  • Collins Insurance Services
  • Colonial Insurance Agency Of Richmond
  • Commonwealth Insurance Center
  • Consumers Insurance Agency
  • Dale Parrish
  • Darrell Faber
  • Darrin Michael Lingle
  • Dennis C Winfree - Horizon Insurance Services
  • Dickens & Dickens
  • Diservio & Sabrito Insurance Agency
  • Diservio & Sobrito Insurance Agency
  • Diservio & Sobrito Insurance Agency
  • Dnl Insurance & Financial Services
  • Douglas M Bradt
  • Duncan & Associates Insurance
  • Dyeco Insurance Services
  • E R Midgett Insurance Agency
  • Edwin L Atkins
  • Ellen Bernstein
  • Etz Insurance Agency
  • Everett Group
  • Farmers Insurance Group
  • Farmers Insurance Group - Thomas Brown
  • Felicia Perry
  • Figg & Sons Insurance Agency
  • First Command Financial Services
  • First Dominion Insurance Agency
  • Ford & Thomas
  • Gaines & Critzer
  • Garriques, Lloyd & Mcmahon
  • Gary Wheeler
  • George F Cooke Insurance Agency
  • George Tribble
  • Gfh Insurance Agency
  • Ght Insurance Agency
  • Ght Insurance South
  • Gibrall Insurance Agency
  • Gil Caldwell Jr
  • Goode
  • H F Thompson Insurance Agency
  • H P Lucas
  • H R James Insurance Agency
  • Han Sik Kim
  • Hedrick Insurance & Financial
  • Herbert George Ferro
  • Hill & Roussy
  • Holly Waters
  • Hope Woolwine
  • Horsley Taylor & Associates
  • Insurance Agency Services
  • Insurance Doctor Agency
  • Insurance Doctor Agency
  • Insurance Doctor Agency Of Henrico
  • Insurance Professionals
  • Insurance Security Associates
  • Issac Kodwo Bartels
  • J B Bryan Financial Group
  • J Jones & Associates Insurance
  • James Coleman Insurance Agency
  • James Hunter Insurance Agency
  • James Insurance Agency
  • Jeff Cochran
  • John D Rogers Insurance Agency
  • John W Pretlow Insurance Agency
  • John Wesley Stover
  • John Wright
  • Johnson Insurance Agency
  • Joseph E Cannon
  • Judy Hudson
  • Karen Wilson
  • Kathy Watson
  • Keith E Mays
  • Kenneth W Forti
  • Kevin Deford
  • Lawrence Winston Insurance
  • Len Williams Insurance Agency
  • Linwood Jerome Heath
  • Lisa C Laverdure
  • M & M Insurance Agency
  • Mallory Keck & Wilkerson
  • Mark Fornataro Agency
  • Marsh Usa
  • Marty Ledbetter
  • Marvin F Bradshaw
  • Mason Insurance Agency
  • Matt Reynolds
  • Meadows Insurance Agency
  • Medbar
  • Melinda Settle-edwards
  • Mequell Green
  • Metlife Auto & Home
  • Metlife Auto & Home
  • Michael Fisher - State Farm Insurance
  • Michael L Jones Sr Insurance Agency
  • Michael Mc Caffery
  • Moore Insurance Agency
  • Nicole Tritaik
  • Ohs Insurance Agency
  • Ohs Insurance Agency Inc.
  • Oludele Doherty
  • Otis Harrison
  • P T Satterfield
  • Palmore,parker & Davis Insurance Agency
  • Peggie Myers
  • Pennington Insurance Agency
  • People's Choice Insurance Agency
  • Percy Barnett Jr
  • Peyton Cheely & Woodle
  • Pinnacle Insurance
  • Puccinelli & Associates
  • R V Potter
  • Ralph Cunningham
  • Ralph E Sweeney Iii
  • Ramon W Andrews Insurance Agency
  • Randall W Hall Insurance Agency
  • Ray Garfinkel
  • Rebuck Insurance Agency
  • Richard King Insurance Group
  • Richard P Diemert Agency
  • Richmond Financial Group
  • Richmond Insurance Agency
  • Richmond Postal Insurance Agency
  • Richmond Standard
  • Richmond Standard Assurance
  • Richmond Standard Assurance
  • Rob Reece
  • Robert E Hailey
  • Robert L Mcclenny
  • Robert Zevgolis
  • Roberts-funai P&c Agency
  • Robins Insurance Agency
  • Rodney Bowen
  • Ronald L Jackson Insurance Agency
  • Ronnie Shriner Insurance Agency
  • Samuel D Baughman Insurance Agency
  • Sanford Insurance
  • Saunders & Benson
  • Scott Insurance
  • Scott Reid
  • Seguros De Calidad
  • Shuxin Xu
  • Spencer Insurance Agency
  • Steil Insurance Services
  • Stephanie Hudnell
  • Steve Love Insurance Agency
  • Steve R Dowdy Insurance Agency
  • Strategic Insurance Management
  • Strategic Insurance Partners
  • Stratton Insurance & Financial Services
  • Straus Itzkowitz & Lecompte
  • Tabb Brockenbrough & Ragland
  • Terry L Walton
  • The Balch Agency
  • The Ben Williams Agency
  • The Insurance Doctor Of Midlothian
  • The Laufer Insurance Agency
  • The Laufer Insurance Agency
  • The Springer Agency
  • Thomas Rutherfoord
  • Timothy W Thacker
  • Tommy R Fincher
  • Tommy R Fincher
  • Tommy R Fincher
  • Tony Diservio Insurance
  • Tonya Tutton Brand
  • Troy Washington
  • Turner Insurance Agency
  • Virginia Brockwell
  • Virginia Commonwealth Corporation
  • Virginia Commonwealth Corporation
  • Virginia Financial Associates
  • Virginia Insurance Group
  • Virginia Insurance Professionals
  • W E Patton Insurance
  • Wachovia Insurance Services
  • Walt Harris
  • Waverly Jones
  • Wayne Benninghove
  • Wells Fargo Insurance Services
  • Wendy T Carter
  • Westover-bon Air Insurance
  • William Estes
  • William H Benton
  • William J Dewitte
  • William Mickiewicz
  • Wilson, Timmons & Wallerstein
  • Wood Insurance Agency
  • Woolwine Insurance Agency
  • Geovanni Hady
  • Sheila Okoniewski
  • Clyde Daughtry
  • Bob Tenesaca
  • Kristin Pulos
  • Tony Kubo
  • Colby Dresher
  • Darlene Merideth
  • Nicole Pioli
  • Shelia Patalano
  • Pam Bertrand
  • Etta Bloor
  • Joy Seggerman
  • Erica Dicker
  • Philip Smolen
  • Jonathon Zaremba
  • Jacqueline Horvat
  • Kristen Millhollin
  • Blanche Grauel
  • Lynne Laury
  • Mariatu Doung
  • Bandi Agraz
  • Derek Fontes
  • Kareem Flinner
  • Scott Kempner
  • Sergio Tamminga
  • Carole Bourquin
  • Jaydon Hefti
  • Felicia Northrop
  • Billie Writer
  • Perry Stelma
  • Cynthia Iler
  • Robyn Knights
  • James Summerhays
  • Patricia Vanderhart
  • Jimmy Whybrew
  • Alvin Ritzenthaler
  • Tara Wojtczak
  • Gail Yock
  • Tyler Stoeffler
  • Alexios Hirshman
  • Brendan Andujar
  • Beth Robida
  • Wendell Isaacson
  • Lorna Eichenbaum
  • Lori Dogan
  • Stacey Kubat
  • Krystal Murrillo
  • Katie Lebby
  • Will Hardwell
  • Jacquelyn Franza
  • Clinton Watterson
  • Brad Natale
  • Alex Sollecito
  • Cassandra Terpak
  • Colin Skillman
  • Donald Razvi
  • Jenna Pagonis
  • Donald Dacosta
  • Roberta Wissman
  • Linda Leffers
  • Stanley Outen
  • Joan Laymance
  • Claude Salcedo
  • Akemi Habte
  • Calvin Gildea
  • Kelsey Taff
  • Aimee Shake
  • Patrick Harkins
  • Katrina Mcelhenney
  • Lee Sweers
  • Cassandra Cremeans
  • Brandie Boudoin
  • Joyce Kludt
  • Rosalie Rickle
  • Jessica Ashbaugh
  • Wendy Jandreau
  • Tara Meddock
  • Debra Magnifico
  • Cory Komar
  • Alison Stonewall
  • Dean Ferrel
  • Gregory Mitchem
  • Uriah Habhab
  • Gretchen Callon
  • Zachary Moninger
  • Javier Peyser
  • Joeseph Guthier
  • Lloyd Sant
  • Lacrisha Banzon
  • Martin Eggert
  • Dave Niemuth

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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