Considering car insurance in Virginia?

As a Virginia-only company, we want to bring your auto coverage back home. Virginia-based experts, dependable solutions, local love – that's our commitment to

What's the most important question to ask about your car insurance?

What are you looking for? Good rates? A brand name everyone's heard of? How about rock-solid solutions when something happens to your car?

Our company is different because we're locally owned and operated – by Virginians for Virginians. Taking care of our members is our purpose and our passion. When you have a loss that's covered by a Northern Neck policy*:  

  • We cover damage due to collisions — We'll covers the cost to repair or replace your car if it's involved in an accident — costs that are only going up as cars add more technology. 
  • We cover non-collision damage — Also called comprehensive coverage, this option reimburses you for damage due to theft, vandalism, flood, fire and hail.
  • We cover your liability — If you’re responsible for an accident, you're also responsible for the costs of any injuries or property damage you cause. Liability coverage covers these costs for you.
  • We cover contents -- If your clothing, luggage or belonings are lost or damaged while in your car, we'll help cover the cost to replace them.  

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But Northern Neck coverage goes further

We're here to help you get your life back to normal as quickly and smoothly as possible. This is where having local Virginia-based insurance can make all the difference.   

Roadside Assistance

As a Northern Neck member, you get 24/7/365 Roadside Assistance included in your auto coverage. So if you break down, run out of gas, or get a flat tire, we're just a quick phone call away.

On-the-Go Claims Filing

With our Northern Neck ClaimGo Auto app you can submit your claim quickly and easily right from your smartphone. Just snap a few photos and we'll get right back to you with an estimate. Click below to download the app to your phone!

Download the App   

 More Ways to Save with Auto Discounts 

Start with our reasonable rates and then save up to 20% with smart-driver discounts, including: 

  • Multi-car discount 
  • Home and auto bundle discount
  • Good student discount
  • Car safety equipment discount
  • Anti-theft device discount


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* Good Counsel is KeyOur goal is to be helpful, but this information is never intended to replace the counsel of a licensed insurance advisor. Coverage varies from carrier to carrier and policy to policy. Claims are subject to the terms of your individual policy and are evaluated for coverage based on individual loss facts. Always seek the advice of an insurance professional when it comes to decisions and answers about your coverage. We’re happy to connect you with our knowledgeable insurance experts or an independent agent in your Virginia community.