Virginia Car Insurance with Your Northern Neck Homeowners Policy

As a Virginia insurance company, we want to bring your auto coverage back home. Virginia-based experts, dependable solutions, local love — that's our commitment to you when we provide you Virginia car insurance. We no longer offer stand-alone car insurance quotes, but our auto insurance policies can be bundled with other coverages including homeowners insurance, renters insurance, and more.

We're Virginia drivers too. Let's talk!     I'm ready for a quote

Save on Auto Insurance in Virginia


Car insurance is an essential part of protecting yourself and your vehicle on the roads of Virginia. At NNINS, we understand the importance of finding the right coverage at an affordable price. That's why we offer a range of discounts and benefits to help you save and get the coverage you need.

Whether you're insuring multiple cars, bundling your auto and home insurance, or looking for discounts based on safety features or academic achievements, we have options for you.

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

Multi-car discount 

Save money by insuring multiple cars with NNINS. When you have more than one vehicle insured with us, you can enjoy additional savings on your premiums. It's our way of rewarding households that trust us with their multiple vehicles.

Home and auto bundle discount

Bundle your auto insurance with your home insurance to experience the benefits of comprehensive coverage under one policy. Not only does it make managing your insurance easier, but it also brings you extra savings. When you purchase our auto and home insurance policies within 60 days of each other, you can take advantage of a 25% discount on your car insurance and an additional 10% off your homeowners insurance or renters insurance.

Good student discount

We believe in rewarding academic excellence. If you're a student between the ages of 16 and 24 and maintain a B or higher grade average (3.0 or higher GPA), you qualify for our Good Student Discount. Enjoy a 20% discount on the base premium of your auto insurance policy.

Car safety equipment discount

Your safety matters to us which is why we offer a discount for installing safety equipment in your vehicle. By taking proactive measures to enhance the safety of your car, such as installing anti-lock brakes, airbags, or other safety features, you can qualify for a discount on your auto insurance premiums. Contact your agent to find out how much you can save.

Anti-theft device discount

Protecting your vehicle against theft is essential, and we appreciate your commitment to safeguarding your car. If you have anti-theft devices installed, such as alarms or tracking systems, you can receive a discount on your auto insurance premiums. Talk to your agent to learn more about the available discounts.

Multi-policy discounts with car insurance 

In addition to these specific discounts, we offer a multi-policy discount that applies automatically to policies in force at the effective date or within two months of the effective date. Here's how it works:

    • Home with auto policy: 10% discount
    • Auto policy with renters policy: 15% discount
    • Auto policy with home: 25% discount


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

Our company is different because we're locally owned and operated – by Virginians, for Virginians. We provide localized and specialized car insurance for Virginians because we are Virginians. Taking care of our members is our purpose and our passion. 

Looking for specific insurance recommendations for your city? Check out information for drivers in Richmond, Charlottesville, Roanoke, and Lynchburg.

What does Virginia require for auto insurance?

Even though having auto insurance coverage is not required, drivers without it have to pay a fee and are personally responsible for any bills and expenses after a car accident.

What's included in your Virginia car insurance policy?

Even though having auto insurance coverage is not required, drivers without it have to pay a fee and are personally responsible for any bills and expenses after a car accident.

  • We cover damage due to collisions — We'll cover 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 belongings are lost or damaged while in your car, we'll help cover the cost to replace them.  

Ready to go local for your car insurance?     I'm ready for a quote


* 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.