When it comes to auto insurance in Richmond, insurance shoppers benefit from having access to multiple insurance companies through online resources. The internet makes it possible for consumers to evaluate car insurance carriers and discover the best rates for the coverage that fits their needs.
Our insurance resource guide takes a look at car insurance in Richmond and provides information about agents representing major insurance companies along with driving conditions and average rates in the city.
Armed with this valuable information, you can obtain instant insurance quotes from these highly rated carriers and best determine which policy is the right fit. To get started, enter your zip code in the provided form and within minutes you’ll receive multiple quotes instantly.
Car Insurance Agents In Richmond
Richmond car insurance agents provide a wealth of coverage information to area residents. Because they live and work in the community, they understand the unique needs of drivers in the city. The following links offer information about insurance agents from the nation’s top insurers. They are available to assist with evaluating current Richmond auto insurance coverage and help drivers determine if buying a new policy will offer lower rates and better protection.
Thirty-nine agents represent Allstate Insurance in Richmond and the neighboring cities of Mechanicsville, Sandston, Chesterfield, Midlothian, Ashland, Hopewell, Glen Allen and Henrico.
Farmers Insurance maintains a network of 50 agents who provide car insurance in Richmond, Henrico, Glen Allen, Mechanicsville, Midlothian, Richmond, Chesterfield, Hopewell, West Point, Williamsburg, Fredericksburg, Gloucester, Palmyra, Hartfield, Locust Grove, Newport News, Stafford, Yorktown, Charlottesville and Hampton.
One Geico Insurance office provides Richmond auto insurance coverage to area residents. Geico also allows drivers to purchase car insurance online or by phone.
Progressive does not have any insurance offices in Richmond; however, there is an office in nearby Glen Allen that can provide Richmond auto insurance to area residents.
State Farm insurance agent offices total 50 locations to serve Richmond residents as well as drivers in the surrounding cities of Mechanicsville, Highland Springs, Sandston, North Chesterfield, Henrico, Glen Allen, Midlothian and Ashland.
The Virginia Bureau of Insurance allows consumers to lookup licensing information on Virginia insurance agents and agencies. Users may enter the agent or agency name on the website to learn more about license status and any complaints against any agent or company.
If your agency or company is not included in our resource listing, send us an email using our contact page. Presently, individual agent listings are only accepted in our paid features section.
Richmond Car Insurance Rates
While average auto insurance rates in Virginia are some of the lowest in the country at $968 per year, Richmond auto insurance rates are an incredible 29 percent higher than the state average. Carinsurance.com reports that the average annual rate for Richmond auto insurance is $1,360, which is 32 percent lower than the national average of $1,998.
Because of the pricing disparity in Virginia car insurance rates and differences in rates from company to company, drivers need to periodically shop for auto insurance coverage so that they can maintain the best possible rates available.
Driving in Richmond
As the capital of Virginia, Richmond holds the unique position of being independent. It does not belong to any country system. Richmond’s 2010 population according to the U.S. Census was 204,000 with the entire metro area having a total population of 1.2 million residents.
The city is served by a large network of highways, interstates and expressways. Two of the most traveled highways run through the city – Interstate 64 traveling east and west as well as Interstate 95, which runs north to south.
Traffic is a concern for Richmond area drivers. According to the INRIX 2011 Traffic Scorecard, the city ranked 87th out of the top 100 most traffic congested cities. But driving in the city isn’t quite so bad if you consider Allstate’s 2011 Safe Drivers Report.
Allstate placed Richmond 52nd out of 200 cities for having the safest drivers with less than a 1.6 percent chance of becoming involved in an accident when driving through the city. In fact, the National Highway Transportation Safety Administration reports that of the 95 counties and 39 independent cities in the state, Richmond ranked 9th for traffic fatalities, but despite placing in the top 10, there were only 15 car related deaths in 2010 out of over 200,000. Of those 15 fatalities, 5 were caused by alcohol impaired drivers.
Virginia Auto Insurance Laws
The State of Virginia car insurance laws differ greatly from other states in that drivers may choose to opt out of purchasing auto insurance. This ability to opt out is governed by stringent regulation so we recommend you review our state resource guide to learn more about Virginia auto insurance minimum requirements and regulations.
Richmond Car Insurance Quotes
Shopping for Richmond car insurance online takes the hassle out of finding and purchasing auto insurance. The ability to comparison shop also means that drivers will have many different options to choose from so they can rest assured that they are getting the best deal on car insurance. Try our online quote tool now to discover additional savings for your car insurance in Richmond.