Richmond, VA Car Insurance

Richmond Car Insurance: For Virginians, by Virginians

As a Virginia insurance company, we want to bring your auto coverage back home. For Richmond drivers, that means having a car insurance policy that’s right for you. We’re Virginia-based experts that offer dependable coverage and affordable rates – that's our commitment to you when we provide you Virginia car insurance.

We no longer offer stand-alone car insurance quotes, but our car insurance policies can be bundled with other coverages including homeowners insurance, renters insurance, and more.

Richmond, VA Car Insurance: What Matters the Most?

What matters the most to you when you’re insuring your cars? Competitive rates? A company you can trust? What about a claims team that has your back when you need them the most? With Northern Neck Insurance, your car insurance policy can have it all.

Our company is different because we're locally owned and operated – by Virginians for Virginians. We provide localized and specialized car insurance for Richmond, VA drivers because we are Virginians. Taking care of our members is our purpose and our passion.  As Virginians and Richmonders, we drive the same roads you do, so we know what it takes to insure your vehicles.

Richmond Car Insurance Policy: What’s Included?

  • Collisions: We’ll cover your damage — 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.
  • Non-collision damage: That’s covered, too — You may have heard this called comprehensive coverage. This option reimburses you for damage due to things like theft, vandalism, flood, fire, or hail.
  • Liability: We’ve got your back — 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 your contents or possessions, too: If your clothing, luggage, or belongings are lost or damaged while in your car, we'll help cover the cost to replace them.

Virginia Car Insurance: Let's go local!    I'm ready for an auto 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.  

Car Insurance Discounts on Richmond Car Insurance

Car insurance in Virginia shouldn't cost you an arm and a leg. Affordable protection for your car should come standard. 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 Virginians, and personal umbrella protectionfor those unexpected moments in life.