Cheap Auto Insurance Quotes in Henrico, VA, for 2023

Car Insurance in Henrico, VA

The average cost of insurance in Henrico is $169 per month or $2,028 annually. This is $31 less than the state’s average of $200 per month, or $2,484 annually. Rates can vary due to factors such as the age and gender of the driver and risk factors such as driving history or credit tier, so it’s important to compare car insurance quotes before purchasing a policy.

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Cheap Car Insurance Virginia

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Cheapest Car Insurance in Henrico, VA

There are many providers in Henrico that offer rates below $200 per month. Depending on other factors for the driver and choice of vehicle, the city hosts many great options for price-conscious buyers. With Insurify, you can compare quotes and find the perfect plan that fits your needs.

Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Henrico Car Insurance Rates by Driving and Accident History

While insurance agencies look at factors like age and the gender of the driver and the cost and model of the vehicle, agencies also take risk into account when calculating rates. This includes using driving records to evaluate a driver’s likelihood of filing a claim. Drivers with clean records could save significantly compared to those with any infractions in their driving history^[2].

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High-Risk Car Insurance Virginia

DUI Car Insurance Virginia

Henrico Car Insurance Rates by Credit Tier

Another risk factor that can affect auto insurance rates is a driver’s credit score. The mentality behind this is that general spending habits can inform the likelihood of filing an insurance claim. Therefore, drivers who are in a better credit tier are rewarded for their responsible behavior with lower quotes^[3].

How to Get the Cheapest Car Insurance in Henrico

Although many outside factors like gender, age, and year of the vehicle can affect rates, exercising safe driving practices is a wise way to secure cheap car insurance because it’s one of the fastest ways to lower the likelihood of risk factors affecting your quotes. Choosing budget-friendly providers is a quick solution to keeping costs down.

Regardless of budget, it’s always best to compare multiple quotes when shopping for an auto insurance policy. Insurify offers real-time car insurance quotes from many insurance providers for both new and pre-owned vehicles. Also, consider bundling auto insurance with renters insurance or home insurance to get hefty discounts.

Frequently Asked Questions

Insurify Insights

How Henrico Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Henrico, Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Henrico drivers measure up to their fellow motorists across Virginia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Civic

Most Popular Car in Henrico

#45

City with the Most Speeding Tickets Rank in Virginia

#52

City with the Most Moving Violations Rank in Virginia

#73

City with the Most DUIs Rank in Virginia

#43

City with the Most Suspended Licenses in Virginia

• Accidents in Henrico

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Henrico drivers rank 44 in the number of car accidents per driver across all cities in Virginia.

  • Rank within state: #44
  • Percent of drivers in Henrico with an accident: 9.3%
• DUI/DWIs in Henrico

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Henrico drivers rank 73 in the number of DUI’s per driver across all cities in Virginia.

  • Rank within state: #73
  • Percent of drivers in Henrico with a DUI: 1%
• Reckless Drivers in Henrico

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Virginia, Henrico drivers rank 55 in the number of reckless driving offenses per driver.

  • Rank within state: #55
  • Percent of drivers in Henrico with a reckless driving offense: 1.8%
• Rude Drivers in Henrico

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Virginia, Henrico drivers rank 61 in rude driving infractions.

  • Rank within state: #61
  • Percent of drivers in Henrico with a reckless driving violation: 1.9%
• Speeding in Henrico

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Virginia, Henrico drivers rank 45 in the number of speeding infractions per driver.

  • Rank within state: #45
  • Percent of drivers in Henrico with a speeding ticket: 11.6%
• Safest Drivers in Henrico

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Henrico drivers rank 35 in clean driving records across all cities in Virginia.

  • Rank within state: #35
  • Percent of drivers in Henrico with clean record: 75.8%
• Hybrid/Electric Vehicle Ownership in Henrico

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Henrico drivers rank 51 in hybrid and electric vehicle ownership across all cities in Virginia.

  • Rank within state: #51
  • Percent of drivers in Henrico with a hybrid/electric vehicle: 0.66%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.