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 in Virginia shouldn't cost you an arm and a leg. 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

Our Virginia insurance offerings go beyond car insurance, we also offer Virginia homeowners insurance, renters insurance in Virginia, and personal umbrella protection for those unexpected moments in life. 

Plus, bundling your insurance can save you money! NNINS designs our pricing to reward households with two or more policies with extra discounts. In fact, when you buy our policies within 60 days of each other, you receive:

  • A 25% discount on your car insurance with an existing home insurance policy
  • An additional 10% off your homeowners insurance or renters insurance with that car insurance

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

But Northern Neck Insurance 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

Our Roadside Assistance program is included with ALL NNINS auto policies so you’re covered 24 hours a day, 7 days a week, 365 days a year. Have peace of mind anytime you or a member of the family is driving, whether it’s across town or across the country. So if you break down, run out of gas, or get a flat tire, we're just a quick phone call away.


* 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.