🚗 Car insurance cost in Richmond, VA (2026)
Estimated average: $1,828 per year — -15% vs. the U.S. average of $2,150.
$1,828
Est. car insurance in Richmond
per year
$1,828
Virginia average
$2,150
U.S. average
229,395
Population
Estimate your car insurance in Richmond
Richmond car insurance estimator
Estimated$3,199/year
Starts from the Richmond estimate. Get quotes to confirm your price.
Richmond car insurance FAQ
How much is car insurance in Richmond, VA?
The estimated average is $1,828 per year — about the state average (0% vs. the Virginia average of $1,828, and -15% vs. the U.S. average).
Is car insurance more expensive in Richmond than elsewhere in Virginia?
Richmond has about 229,395 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Richmond?
Compare at least three quotes from insurers active in Richmond, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.