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Cheap Car Insurance in Richmond, Virginia

Here’s some interesting facts about Richmond when shopping for cheap car insurance. One of America’s oldest cities, Richmond is the capital of Virginia and home to an estimated 220,289 residents. Best known for its cobblestone streets, river walks and monuments, the city is divided into sections known as the North Side, East End, Southside and East End. The original street grid was laid out in 1727, and included Broad, 17th and 25th streets. Today’s downtown is located slightly farther west, and the modern City of Richmond is a vibrant commercial center, arts and restaurant scene.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Richmond, VA. Get your free auto insurance quote today!

Driving Conditions in Richmond

GPS maker TomTom ranked Richmond as the second best U.S. City for traffic, based on its fifth annual Traffic Index. The report used trip data from its 400 million users to study gridlock in major cities. Richmond’s traffic congestion adds just over 11 percent to a typical commute, the report states, which is half the norm for large U.S. cities.

Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed and smartphone apps can be downloaded for Virginia 511 Web at

Unique Laws in Richmond

Smokers who light up in the car in Virginia can face fines if there is a passenger under 8 years old in the car, according to state laws. There’s also a fine for opening a car door when it’s “not reasonably safe” to do so, such as in the path of an oncoming vehicle or cyclist. Drivers may cross double yellow lines to pass a pedestrian or anyone “moved by human power,” such as a bicycle, skateboard or scooter, provided it is safe to do so.

Bicycles, mopeds and other non-motorized vehicles are now included in the list of vehicles for which a motorist can be cited for following too closely.

Richmond Crime Statistics

Richmond has experienced an increase in violent crime, in recent years landing among rankings of the country’s most dangerous or violent cities.

The Richmond metro area logged 2,791 incidents of car theft in 2016, up from 2,031 cases in 2015, according to the National Insurance Crime Bureau. The current auto theft rate is 227 incidents per 100,000 people, just above the national average of 220 per 100,000 people.

Richmond Safety Requirements

New drivers with permits may not use a cellphone or other wireless devices while driving, even if it is in hands-free mode, according to Virginia laws. An exception is to make an emergency call.

No matter where they are sitting in the vehicle, everyone under age 18 must wear a seat belt or ride in a child safety seat, according to the Virginia Department of Motor Vehicles, and everyone in the front seat must wear a seat belt regardless of age. Texting while driving is banned for all ages in Virginia.

Richmond Impaired Driving Laws

According to the Virginia Department of Motor Vehicles, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than 0.08. Those who refuse a test receive an automatic seven-day license suspension. First offenders receive a fine of $250 and one-year license revocation. Punishment increases to include a five-day jail sentence for a BAC of .15 and 10 days for .20 or higher. Ignition interlocks may also be ordered, including for first offenders.

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

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

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

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