Fredericksburg has 28,873 residents in 11,720 households. We list 4 agencies for life insurance in Fredericksburg. Here is what the local numbers say about the cover people here need.

Fredericksburg at a glance

4life insurance agencies listed
60.3%of households rentRenters insurance
$483,700median home valueHome insurance
1986median year homes were builtRebuild cost calculator
9.6%of households have no carAuto insurance

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

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 Fredericksburg How much liability cover do you need?

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

Where Fredericksburg agencies are

Fredericksburg agencies we list sit in 3 ZIP codes, mostly in Spotsylvania County.

224082 agencies
224011 agency
224071 agency

Questions

Life insurance in Fredericksburg

All insurance agencies in Fredericksburg · Life insurance across Virginia

Where can I find life insurance in Fredericksburg?

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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Do I need flood insurance in Fredericksburg?

FEMA's National Risk Index rates inland flooding risk in Spotsylvania County as Relatively Low 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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