Auto insurance · Virginia

Auto Insurance Agencies in Richmond, VA

Covers your car for damage, theft and the harm you could cause to others.

Local insight

Auto insurance in Richmond: what to know

Richmond has 229,359 residents in 104,321 households. We list 12 agencies for auto insurance in Richmond. Here is what the local numbers say about the cover people here need.

Richmond at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Henrico County

FEMA rates the overall natural hazard risk in Henrico County, where most Richmond agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Richmond
  • Winter weatherRelatively High
  • Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Richmond agencies work with

Of the 12 Richmond agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Liberty Mutual5 agencies
  2. Travelers5 agencies
  3. Chubb4 agencies
  4. Chubb (ACE)4 agencies
  5. Liberty Mutual (Safeco)4 agencies
  6. Progressive4 agencies
  7. Redpoint4 agencies
  8. Safeco4 agencies
  9. The Hartford4 agencies
  10. Employers3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Richmond agencies are

Richmond agencies we list sit in 4 ZIP codes, mostly in Henrico County.

  • 232305 agencies
  • 232273 agencies
  • 232262 agencies
  • 232362 agencies

Questions

Auto insurance in Richmond

All insurance agencies in Richmond · Auto insurance across Virginia

Where can I find auto insurance in Richmond?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do Richmond agencies work with?

Among the 12 Richmond agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (5), Travelers (5), Chubb (4), Chubb (ACE) (4), Liberty Mutual (Safeco) (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Richmond?

FEMA's National Risk Index rates inland flooding risk in Henrico County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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