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2024

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Best Local Car Insurance Agencies in Richmond, VA

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Richmond Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

125Reviewed

79Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5309 Commonwealth Centre Pkwy #102, Midlothian, VA 23112
WebsiteLicense: 143510

Expertise.com Rating

Review Sources

Facebook
4.7 (45)
Google
3.0 (2)

Why choose this provider?

Springer Insurance provides the community of Richmond assistance with shopping for insurance solutions. It offers a wide range of policies for both personal and business needs, including coverage for automobiles and homes, business property and general liability, and agribusiness property insurance. The company was established in 1985 by Reta Springer and is now run by her son Nick, who has over 20 years of experience in the business. He has a Certified Authority on Workers' Compensation designation.

  • Auto Insurance

13510 E Boundary Rd Ste 203, Midlothian, VA 23112

Expertise.com Rating

Review Sources

Facebook
4.7 (12)
Google
5.0 (2)

Why choose this provider?

Blankenship Insurance Services LLC is a full-service insurance brokerage in Midlothian, Virginia. The company serves customers from the entire Richmond area and offers a full suite of coverage options. Auto insurance policies are available to drivers of standard vehicles such as cars and trucks, as well as non-traditional vehicles such as RVs, motorcycles, ATVs, and boats. Blankenship Insurance Services LLC is a Trusted Choice independent insurance agent and is affiliated with the Powhatan Chamber of Commerce.

10134 W Broad St, Glen Allen, VA 23060

Why choose this provider?

Founded in 1996, Lundie Financial Insurance is a family-owned, independent insurance agency that serves customers throughout the Richmond, Virginia, metro area with offices in Colonial Heights, Carson, and Glen Allen, Virginia. Agents help clients manage and plan for potential risks with various auto policies. Coverage includes compulsory insurance with options for collision, vehicle repairs and replacement, injuries caused by uninsured motorists, medical payments, towing and labor charges, and substitute transportation, such as a rental vehicle during the repair or replacement process.

9103 Quioccasin Rd, Richmond, VA 23229

Expertise.com Rating

Review Sources

Google
4.9 (55)
Facebook
5.0 (36)
Yelp
5.0 (2)

Why choose this provider?

Able Insurance is an independent agency based in Richmond, Virginia, with over 30 years of experience in the auto insurance industry. Its team of agents specializes in drafting insurance plans that include collision and comprehensive coverage. Medical payments and bodily liability policies are available to protect clients financially and assist the injured third party in their recovery from hospital expenses. The company also offers home rental and life insurance services.

3208 Ironbound Road, Richmond, VA 23188
WebsiteLicense: 563557

Expertise.com Rating

Review Sources

Google
4.9 (58)
Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

Javier Fuentes is a State Farm agent servicing the Richmond community since 2002. Fuentes has been working with a team of professionals after establishing a State Farm agency branch in 2011 to serve the insurance needs of people throughout the state of Virginia. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. Javier Fuentes also offers banking and investment services for clients.

  • Bundling Option

4551 Cox Rd Ste 100, Glen Allen, VA 23060

Expertise.com Rating

Review Sources

Google
5.0 (80)
Yelp
2.5 (3)

Why choose this provider?

The Andrew Agency is an insurance company in Glen Allen, Virginia, that provides car insurance to residents in the Richmond metro area and throughout D.C. and Maryland. The agency works with companies such as Liberty Mutual and Hagerty to cover bodily injury liability and medical payments for drivers and other passengers. Comprehensive coverage also covers collision damage, accident forgiveness, and uninsured motorists. Homeowners, cyber, and life insurance services are available.

4490 Cox Rd, Glen Allen, VA 23060

Expertise.com Rating

Why choose this provider?

Established in 1999, Bankers Insurance LLC is a Richmond, Virginia, based independent insurance agency that's licensed in all 50 states. The agency writes auto policies for individuals and businesses. It can insure all cars, trucks, and SUVs, including vehicles used for deliveries and rideshare services such as Uber and Lyft. Bankers Insurance offers a selection of driver discounts and can save clients money by bundling their auto and home insurance.

901 Moorefield Park Dr Ste 210, North Chesterfield, VA 23236

Expertise.com Rating

Review Sources

Google
4.8 (85)
Yelp
5.0 (4)

Why choose this provider?

Located in North Chesterfield, Virginia, WBA Insurance is an independent insurance agency that sells auto insurance in Virginia, North Carolina, and Maryland. Founded in 1973, WBA provides auto coverage protecting drivers against common risks, including damage caused by uninsured or under-insured motorists, collisions, fire, and other unforeseen events. The agency specializes in individual insurance plans as well as coverage for businesses, and it acts as an advocate and adviser for customers in dealing with most major insurance carriers.

3902 Springfield Rd, Glen Allen, VA 23060

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Capital Insurance Agency is an independent agency providing auto insurance services to clients in the Richmond, Virginia, metro area. It adamantly maintains a local presence, aiming to offer clients a greater sense of understanding and insight into their needs. This agency works with policy providers who cover common automobiles, motorcycles, and recreational vehicles and offers an assortment of additional services including rate lock offers, accident forgiveness programs, and other rate-based discounts. Capital Insurance Agency also offers home and commercial insurance services.

7780 Invicta Ln, New Kent, VA 23124

Expertise.com Rating

Why choose this provider?

New Kent Insurance is an independent insurance agency located in the Richmond, Virginia, metro area. Policy specialists work with several top carriers to get drivers' personal auto coverage to protect themselves, their vehicles, and liability for at-fault accidents. The company provides customizable plans to cover cars, trucks, antique and classic cars, boats, ATVs, and motorcycles, and discounts are available for safe drivers, security systems, safety features, and bundling home and auto policies.

127 Stonebridge Plaza Ave, North Chesterfield, VA 23225

Expertise.com Rating

Review Sources

Google
4.6 (127)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1995, the Insurance Doctor is an independent insurance agency located in the Richmond, Virginia, metro area. Insurance specialists work with multiple carriers to find drivers the right quote at a competitive rate. Options include liability coverage for bodily injury, property damage, and uninsured motorists, and clients can include collision to cover all accident damage and comprehensive protection for repairs for theft, weather, and vandalism. Services are available in English and Spanish.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Springer Insurance
5309 Commonwealth Centre Pkwy #102, Midlothian, VA 23112
Blankenship Insurance Services
13510 E Boundary Rd Ste 203, Midlothian, VA 23112
Lundie Financial Insurance
10134 W Broad St, Glen Allen, VA 23060
Able Insurance
9103 Quioccasin Rd, Richmond, VA 23229
Javier Fuentes
3208 Ironbound Road, Richmond, VA 23188
The Andrew Agency
4551 Cox Rd Ste 100, Glen Allen, VA 23060
Bankers Insurance, LLC
4490 Cox Rd, Glen Allen, VA 23060
WBA Insurance
901 Moorefield Park Dr Ste 210, North Chesterfield, VA 23236
Capital Insurance Agency
3902 Springfield Rd, Glen Allen, VA 23060
New Kent Insurance
7780 Invicta Ln, New Kent, VA 23124
Insurance Doctor
127 Stonebridge Plaza Ave, North Chesterfield, VA 23225

Richmond, VA Car Insurance Agency FAQs

  • What are the recent car insurance changes in Richmond regarding underinsured drivers?

    Recent changes in Virginia law affect claims involving underinsured drivers in Richmond. Prior to July 1, drivers could have their payouts reduced by the at-fault driver's coverage. Now, policies can be combined, potentially increasing coverage. For example, if the at-fault driver carried $50,000 in liability coverage, and the affected driver had $250,000, they could access up to $300,000 in coverage. While premiums may rise slightly, experts advise against opting out. Drivers should consult their insurance agents for personalized guidance.

  • In Richmond, why isn't everyone required to have car insurance?

    Richmond adheres to Virginia's law that does not mandate car insurance for motorists. Instead, the law requires maintaining minimum liability insurance or paying an uninsured motorist vehicle fee during vehicle registration renewal. Richmond drivers are legally permissible to drive without insurance if the uninsured motor vehicle fee is paid. However, if an uninsured car owner causes an accident, they remain financially responsible for the resulting damages, with no personal insurance to assist in covering costs.

  • When can a car insurance policy in Richmond be canceled?

    For policyholders in Richmond, the option to request car insurance cancellation is available at any time without restrictions based on the reason. However, caution should be a priority. They should secure a new auto insurance policy before proceeding with the cancellation, especially if they intend to keep driving. Virginia, like most states, enforces legal requirements for ongoing car insurance coverage. Premature cancellation may lead to lapses in coverage, exposing individuals to accident risks and the possibility of increased insurance rates.

  • What should Richmond motorists consider before terminating their auto insurance?

    Motorists in Richmond considering canceling their car insurance should know that potential cancellation fees may apply. Each insurance provider may have distinct guidelines, and early policy cancellations could incur additional costs. To ascertain whether an insurer imposes such charges, policyholders must contact their insurance company, review their policy documentation, or seek guidance from a local insurance agent.

  • What are the advantages of enlisting an independent insurance agent for Richmond car owners?

    The primary advantage of employing independent agents in Richmond is their ability to provide car owners with an individualized service. These professionals operate akin to personal shoppers, thoroughly exploring numerous options from diverse insurers to pinpoint the most suitable coverage aligning with individual requirements and fiscal strategies. Moreover, independent agents uphold impartiality, ensuring car owners can secure substantial savings and confidently identify the most appropriate insurance alternatives.