Cheapest car insurance in Richmond, Virginia

Virginia requires minimum liability coverage of 30/60/20, raised from 25/50/20 in 2025, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Pulled directly from carrier rate filings for this city.

With 226,610 residents, Richmond sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 43% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 26% less than the national baseline we track.