Cheap Richmond Auto Insurance

Cheap Car Insurance in Richmond VA

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If you'd like to know whether you're paying too much for automobile insurance in Richmond VA, let us help you find out.

Instead of spending your hard-earned money on higher insurance premiums than necessary, keep your money in your own pocket. We can help you find the best Richmond auto insurance rates where you live in the Richmond area.

Just put your zip code in the box above, and start getting quotes from discount auto insurance companies in Richmond VA. Then you can compare the quotes, and pick the one that's right for you.

Don't waste time and money. Relax, sit back, and let us do the work for you!

Auto Insurance Requirements - Virginia

Even if your vehicle isn't being used, from the moment it's registered in Virginia until the day that registration expires your vehicle MUST be insured!

A penalty will be levied for registering a vehicle that does not have liability insurance coverage. The penalty is a $500 fee or suspension of your driver's license AND your vehicle registration, plus higher insurance premiums for the next 3 years.

The state of Virginia has specified that the minimum amounts of liability coverage allowed in Virginia are as follows:

* $25,000 for bodily injury/death of one person
* $50,000 for bodily injury/death of 2 or more people
* $20,000 for property damage

Cell Phone Law

Drivers in Virginia under 18 years of age are prohibited to operate an automobile on Virginia highways while using a cell phone or any other wireless communication device, even if the device is considered to be "hands-free." Sending/receiving text messages is also prohibited.

There is an exception for emergencies or if the auto is parked or stopped.


The main cause of death for individuals between the ages of 15 and 20 is an auto accident!

Teens under the age of 18 must complete 45 hours of behind-the-wheel driving experience to get a driver's license.

Moving Violations and Points

Should you be convicted of a traffic violation, the court will automatically send notification to the Virginia Department of Motor Vehicles (DMV.) The DMV will then do the following:

(a) Post your conviction to your driving record
(b) Issue an order of suspension if it applies
(c) Assign demerit points to your record if that applies
(d) Issue an order requiring you to complete a driver improvement clinic, if that applies
(e) Notify your insurance company

How long a conviction will stay on your record depends on the severity of the violation.


When you are considering a company for your automobile insurance coverage, remember that price isn't the only factor you need to consider. Ask yourself how they handle a customer's claim and whether they have a good track record where customer service is concerned.

If you are involved in an auto accident, will they be hard to deal with? You do NOT want a Claims Adjuster with a large "red pencil" to mark down your repair allowance. Be smart, and check online for customers' reviews to eliminate any future surprises.

In 2010 there were 1,985 auto thefts in the Richmond metropolitan area. That statistic figures into any quote that an insurance company would give for the Richmond area.

The following factors are figured in, as well:

* * type of vehicle
* * where car is housed (residence)
* * driving history of the applicant
* * any high-risk drivers in household
* * costs of liability legal suits
* * incidence of fraud

Tips To Save Money
On Richmond Car Insurance

(1) Increase the deductibles

(2) An accident free discount

(3) A nonsmokers discount

(4) A multiple car discount

(5) A good student discount

(6) A passive restraint discount

(7) Pay annually, semi-annually, quarterly, but NOT monthly.

(8) Pay by (EFT) Electronic Funds Transfer

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Auto Insurance Agencies & Agents In Richmond VA:

Bailey Insurance Agency
3407 W Broad St
Richmond, VA 23230

James Coleman Ins Agy Inc
511 W Grace St
Richmond, VA 23220

Ronnie Shriner Insurance Agency
2571 Homeview Dr
Richmond, VA 23294

Insurance Doctor
4450 S Laburnum Ave Suite 130
Richmond, VA 23231

Chip Massey
9505 Hull Street Rd Ste A1
Richmond, VA 23236

River City Insurance
1913 Huguenot Rd Suite 301
Richmond, VA 23235

Consolidated Insurance Agency
21 Buford Rd Suite B
Richmond, VA 23235

Bergstrom Insurance Inc
6809 Patterson Ave
Richmond, VA 23226

Chambers Insurance Solutions
3000 Rachel Rd
Richmond, VA 23223

Mason Insurance Agency
6767 Forest Hill Ave Ste 10
Richmond, VA 23225

Direct Auto Insurance
2506 Sheila Ln
Richmond, VA 23225

Erica Banks
2910 Hull St
Richmond, VA 23224

Di Servio & Sobrito Insurance
2047 W Broad St
Richmond, VA 23220

Capitol Square Insurance
105 E Cary St
Richmond, VA 23219

Haynes, Powell & Reece
7958 Forest Hill Ave
Richmond, VA 23225

George F Cooke Ins Agcy
6565 Iron Bridge Place
Richmond, VA 23234

Harry R James Insurance
318 E Grace St
Richmond, VA 23219

Ramon W Andrews Insurance
3805 Cutshaw Ave #101
Richmond, VA 23230

Brooke Insurance
1203 W Main St
Richmond, VA 23220

A Auto Insurance
825 E Parham Rd
Richmond, VA 23227

Ball-Martin Insurance Agency
589 Southlake Blvd
Richmond, VA 23236

Consumers Insurance Agency
5004 W Marshall St
Richmond, VA 23230

Steve R Dowdy Insurance Agency
1011 E Main St Ste 75
Richmond, VA 23219

Butler & Hailey Insurance
6956 Forest Hill Ave #A
Richmond, VA 23225

Peyton Cheely & Woodle Inc
2114 Dabney Rd Suite F
Richmond, VA 23230

RJ Marquardt
6011 Belmont Rd
Richmond, VA 23234

Richard P Diemert Agency
91 S Laburnum Ave
Richmond, VA 23223

James Coleman Ins Agy
1420 Hull St Ste B4
Richmond, VA 23224

The Andrew Agency
500 Libbie Ave 1A
Richmond, VA 23226

Heath Linwood
15 N Thompson St
Richmond, VA 23221

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