Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Lynchburg

Our Recommended Top 12

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 Lynchburg 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.

57Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2420 Langhorne Road, Lynchburg, VA 24501
WebsiteLicense: 110497

Expertise.com Rating

Review Sources

Google
4.3 (9)
Facebook
5.0 (7)

Why choose this provider?

Bost Insurance caters to the personal and commercial auto insurance needs of clients in Lynchburg and the rest of the state. As a Progressive agent, the company has access to a range of flexible options when it comes to coverages and premiums. In addition to standard cars, it also offers insurance for recreational vehicles such as trailers and motorsport vehicles such as ATVs, snowmobiles, and dirt bikes. Coverages are also available for motorcycles, scooters, and boats.

  • Bundling Option

20566 Timberlake Road, Lynchburg, VA 24502

Expertise.com Rating

Review Sources

Google
4.8 (27)
Yelp
3.0 (2)

Why choose this provider?

Andy Matthews Agency, which is based in Lynchburg, has been providing risk management solutions for Central Virginia residents since 1991. Included in the company's wide range of products is auto insurance. Its agents craft insurance policies that help pay for losses resulting from collisions, fire, and theft. They review and present car insurance plans from different carriers, such as Dairyland, National General, and Mercury. Andy Matthews, the company owner, goes by the Golden Rule when serving clients.

  • Boats
  • Motorcyle & ATV

22491 Timberlake Road, Lynchburg, VA 24502
WebsiteLicense: 129806

Expertise.com Rating

Review Sources

Google
4.9 (73)
Facebook
4.8 (25)

Why choose this provider?

Based in Lynchburg, Hedges Insurance Agency, LLC, is a business that provides insurance products to its customers in the area. The company has a full range of car insurance options to match every client's needs. Its auto and specialty vehicle insurance products cover standard cars, classic cars, recreational vehicles, and boats. Additionally, its auto policy features include PACE protector endorsement, high chargeable accident thresholds, first accident forgiveness programs, and regular policy review.

  • Multiple Carriers

25 Greystone Drive, Lynchburg, VA 24502
WebsiteLicense: 113086

Expertise.com Rating

Review Sources

Google
4.3 (271)
Facebook
5.0 (7)

Why choose this provider?

Parker, Shelton & Associates, Inc. - Lynchburg provides auto insurance to the local community. The independent agency understands the unique risks involved in owning a vehicle. It strives to provide every driver with customizable options that maximize financial protection. It also carries policies for properties and businesses. Since its establishment in 1991, it has actively supported causes like the Special Olympics, the DARE program, and Dixie Baseball, as it places great importance in supporting the community that has been helping its business grow and thrive.

  • Boats
  • Motorcyle & ATV

1084 Thomas Jefferson Road, Forest, VA 24551
WebsiteLicense: 112443

Expertise.com Rating

Review Sources

Google
4.9 (56)
Facebook
5.0 (2)

Why choose this provider?

Holley Insurance Agency Inc. is a multi-line insurance solutions company that has been serving the Lynchburg metro and surrounding localities for more than two decades. Operating since 2000, the firm protects individuals, families, and business owners from unwanted financial losses with an auto insurance policy. Its independent insurance agents represent several carriers that can provide a variety of coverage options. These include collision, comprehensive, bodily injury liability, property damage, and uninsured or underinsured motorist coverage. The company serves clients throughout Virginia.

  • Multiple Carriers
  • Boats

101 Hexham Drive, Lynchburg, VA 24502
WebsiteLicense: 104640

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (2)

Why choose this provider?

The Lynchburg Insurance Group is a full-service independent agency that provides auto insurance in Lynchburg. It takes a keen interest in its clients and guides them into making an educated insurance purchasing decision. The company's agents write tailored auto insurance policies that offer protection against financial losses caused by vehicular accidents, theft, vandalism, and other perils. Also available is usage-based insurance, also referred to as the Pay As You Drive program, where premiums are based on the mileage driven.

  • Bundling Option

101 Duncraig Drive, Lynchburg, VA 24502
WebsiteLicense: 24502

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
4.7 (19)
Yelp
5.0 (8)

Why choose this provider?

Established in 2008, Nelles Insurance Solutions is an independent agency in Lynchburg that offers its auto insurance services to individuals, families, and businesses in the community. The company works with various insurance carriers to provide customized insurance plans that are suited to the clients' needs and budget. It includes comprehensive and collision coverages, as well as liability and medical coverages. Nelles Insurance Solutions received The Salt Block Project’s Entrepreneur Recognition for its profitable growth during an economic recession.

  • Boats
  • Motorcyle & ATV

2601 Memorial Avenue, Lynchburg, VA 24501
WebsiteLicense: 105035

Expertise.com Rating

Review Sources

Google
4.4 (42)

Why choose this provider?

Founded by Ernest W. Adams IV, Adams Insurance Agency is a full-service insurance and risk management firm that serves clients in Lynchburg and nearby areas. It offers a variety of insurance products and services, such as personal and commercial auto and RV insurance. Its agents also deal with policies for homes and commercial insurance coverages for small and medium-sized businesses. The company has access to various lines of brands and carriers, such as Progressive, National General, Assurance America, Travelers, Mercury Insurance, and AIC.

  • RV & Motorhome

7791 Richmond Highway, Appomattox, VA 24522
WebsiteLicense: 945196

Expertise.com Rating

Why choose this provider?

Joey Eades is a Virginia-based State Farm insurance agent providing insurance products and solutions to locals of the Lynchburg and Appomattox areas. He offers a broad variety of specialized auto policies for classic and antique cars, rideshare drivers, and commercial vehicles. His comprehensive car insurance policies cover property damage and bodily injury liability, medical payments, collision and non-collision accidents, emergency road service, and uninsured motorist protection. He also specializes in relocation insurance to Appomattox County. Joey is a member of the Appomattox Chamber of Commerce.

  • Multiple Carriers

22174 Timberlake Road, Lynchburg, VA 24502
WebsiteLicense: 125404

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

Insurance Consultants of Lynchburg is an independent car insurance agency serving individuals residing in the area. Founded in 1989, the firm works with different insurance carriers to provide multiple auto insurance quotes. Its agents inform clients of their coverage options, including injury liability and comprehensive coverage types. Under comprehensive coverage, policyholders can receive financial protection for losses arising from theft, fire, and other perils. Insurance Consultants of Lynchburg also offers motorcycle insurance.

  • Bundling Option

2504 Langhorne Rd, Lynchburg, VA 24501
WebsiteLicense: 110260

Expertise.com Rating

Review Sources

Google
4.9 (43)

Why choose this provider?

Leech & Hicks, Inc. Insurance is a company offering car insurance and other insurance products to Lynchburg and the surrounding areas. It has been in the business for over 50 years and works with companies like Progressive, Penn National Insurance, and National General Insurance. Car insurance policies offer options for protection against liability, uninsured motorist, collision, medical expense, income loss, and comprehensive coverage. The company believes in making its clients comfortable, educated, and understood.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

14805 Forest Road, Suite 202, Forest, VA 24551
WebsiteLicense: 103559

Expertise.com Rating

Review Sources

Google
5.0 (348)
Facebook
5.0 (107)
Yelp
5.0 (1)

Why choose this provider?

Blue Ridge Insurance is a Dave Ramsey-Endorsed Local Provider serving clients in Lynchburg and nearby areas. It crafts insurance policies for valuable assets such as automobiles. The company's car insurance provides financial compensation for medical bills, treatments, and property damage after accidents. The coverage also compensates vehicle owners if their cars have been damaged by an uninsured or underinsured driver. Protection plans for trucks are available. Brian Noegel, the firm's founder and owner, holds CIC and LUTC designations.

  • Multiple Carriers

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Do you need FR-44 insurance if you don't own a car in Lynchburg?

    Yes, you need FR-44 insurance in Lynchburg, even if you don't own a car. If you have a driver's license in Virginia, you must have FR-44 insurance. In addition, you must maintain an FR-44 filing for three to four years after a DUI, depending on the circumstances, to regain your driving privileges.

  • Can drivers convicted of DUI get car insurance in Lynchburg?

    Yes, drivers who are convicted of DUIs can get car insurance in Lynchburg. However, they may have to search for insurance companies that provide insurance coverage designed specifically for drivers convicted of DUI or high-risk insurance policies. Furthermore, drivers in Virginia are obligated to carry FR-44 insurance for three to four years after a DUI.

  • Are you free to drive in Lynchburg if you pay the uninsured motor vehicle fee?

    Yes. It is legal to drive in Lynchburg without auto insurance, but when you register your automobile, you must pay the $500 uninsured motorist fee to the Virginia Department of Motor Vehicles. After paying the fee, you are allowed to drive your car in the state of Virginia for 12 months. However, you will be personally responsible for the damages if you get into a car accident.

  • What happens if the other driver doesn't have car liability insurance in Lynchburg?

    In Lynchburg, uninsured and underinsured motorist coverage is required on all personal car insurance policies. Uninsured motorist coverage provides coverage for bodily injury and property damage resulting from an accident involving an uninsured driver. Meanwhile, underinsured motorist coverage pays for bodily injury and property damage resulting from an accident involving a driver with insufficient insurance.

  • How much is the minimum amount of car insurance you need to cover property damage in Lynchburg?

    The minimum amount of car insurance you need to cover property damage in Lynchburg is $20,000 per accident. Property damage liability covers repairs for damage caused to the other party's vehicle, including automobile body shop labor or replacement parts and repairing damage or destruction to other properties or businesses.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.