Insurance agencies · Virginia

Insurance Agencies in Midlothian, VA

Local agencies in Midlothian for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Midlothian

Midlothian has 19,120 residents in 7,745 households. We list 29 insurance agencies in Midlothian. Here is what the local numbers say about the cover people here need.

Midlothian 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 Chesterfield County

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

  • Winter weatherRelatively High
  • Ice stormRelatively High
  • LightningRelatively High

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

    Home insurance in Midlothian

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

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MidlothianHow much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Midlothian agencies work with

Of the 15 Midlothian agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. Travelers6 agencies
  2. Gerber Life Insurance Company3 agencies
  3. Liberty Mutual3 agencies
  4. Medicare Advantage3 agencies
  5. Progressive3 agencies
  6. UnitedHealthcare3 agencies
  7. Employers2 agencies
  8. Mercury2 agencies
  9. Molina Healthcare of Texas,2 agencies
  10. Nationwide2 agencies

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

What Midlothian agencies can write

Share of the 29 agencies listed in Midlothian that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Workers' Compensation28%
  2. Life28%
  3. Home24%
  4. Auto24%
  5. General Liability24%
  6. Business Owners Policy (BOP)24%
  7. Renters24%
  8. Condo24%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Midlothian agencies are

Midlothian agencies we list sit in 3 ZIP codes, mostly in Chesterfield County.

  • 2311212 agencies
  • 2311312 agencies
  • 231145 agencies

Questions

Insurance agencies in Midlothian

How do I find an insurance agency in Midlothian?

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 insurance can I get from agencies in Midlothian?

Most often workers' compensation, life, home, auto, renters. Pick a type in the filters to narrow the list.

Which insurance companies do Midlothian agencies work with?

Among the 15 Midlothian agencies whose appointments we hold, the companies they are most often appointed with are Travelers (6), Gerber Life Insurance Company (3), Liberty Mutual (3), Medicare Advantage (3), Progressive (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Midlothian?

FEMA's National Risk Index rates inland flooding risk in Chesterfield 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.

Do I need renters insurance in Midlothian?

26.5% of households in Midlothian rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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