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Richmond, VA
Dragon Insurance is an independent agency licensed in Virginia, serving Richmond, Henrico, Chesterfield, and the greater Richmond metro. We compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code. Most Richmond-area drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed in Virginia. 30+ carriers compared. 60+ five-star reviews.
Most Richmond-area drivers, whether in the city itself, Henrico, or Chesterfield, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Dragon Insurance is an independent agency, which means we work for you, not for any single carrier. When you call us, we quote your driver profile across 30+ carriers in one conversation and show you which one wins for your situation. Captive agents who represent a single company can only quote that one rate. We compare all of them.
We are licensed in Virginia and serve the entire Richmond metro, including Henrico and Chesterfield, entirely by phone and online, with no office visit required. We answer the phone, we know our clients by name, and we are not a call center.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
30+ carriers in one call
Progressive, Safeco, Liberty Mutual, The General, and more. We compare all of them for your specific profile.
Virginia's 2025 minimum increase
We know Virginia's at-fault system and the state's new 50/100/25 minimum, raised from 30/60/20 under House Bill 1077 effective July 1, 2025. We make sure your policy is compliant and explain your options clearly.
Quote in under 1 hour
Most Richmond-area drivers, from downtown to Henrico and Chesterfield, have their quote ready the same day. Complex records or non-standard risks: next business day.
60+ five-star reviews
Real clients across Richmond, Henrico, Chesterfield, and the greater Richmond metro who called back after their first renewal.
Virginia is an at-fault state with minimum coverage requirements that increased on July 1, 2025. Here is what the law requires now and what most experienced Richmond-area drivers actually buy.
| Coverage | VA Minimum (Since 7/1/2025) | Recommended |
|---|---|---|
| Bodily Injury Liability | $50,000 / $100,000 | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Uninsured / Underinsured Motorist | Required, same limits as liability | Match liability limits |
| Personal Injury Protection (PIP) | Not required | Optional add-on |
| Collision | Not required | Required if financed |
| Proof of Insurance | Verified electronically by DMV | Maintain continuous coverage |
Virginia raised its minimum liability limits from 30/60/20 to 50/100/25 on July 1, 2025 under House Bill 1077. State minimums are the legal floor, not a coverage recommendation. If your policy predates July 2025, confirm it reflects the updated limits. Call us to discuss the right limits for your situation.
Dragon Insurance serves Richmond and the surrounding Richmond metro communities, including Henrico, Chesterfield, and Glen Allen.
Richmond
23220
Henrico
23228
Chesterfield
23832
Glen Allen
23060
Midlothian
23113
Short Pump
23233
Mechanicsville
23111
Colonial Heights
23834
See our Richmond, VA location page for the full range of coverage we offer, or explore requirements across the state on our Virginia insurance page.
Questions Richmond-area drivers ask us most often.
As of July 1, 2025, Virginia requires minimum liability coverage of 50/100/25: $50,000 bodily injury per person, $100,000 bodily injury per accident, and $25,000 property damage liability. These minimums were raised from 30/60/20 under House Bill 1077, effective July 1, 2025 (Code of Virginia Section 38.2-2204). Virginia is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages through their liability coverage.
Yes. Virginia raised its minimum liability limits on July 1, 2025, from 30/60/20 to 50/100/25 under House Bill 1077. If you bought your policy before that date, it should have been updated to the new minimums at your next renewal. Richmond drivers who have not renewed since mid-2025 should confirm their policy reflects the current 50/100/25 requirement. We can review your declarations page and confirm you are compliant at no cost.
Car insurance costs in Richmond depend on your ZIP code, driving record, vehicle, and coverage limits, and rates can shift with Virginia's 2025 increase in minimum required limits. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find Richmond, Henrico, and Chesterfield drivers the most competitive rate for their specific profile.
Virginia is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Virginia does not require Personal Injury Protection (PIP). Uninsured motorist coverage is required on every Virginia auto policy at the same limits as your liability coverage (Code of Virginia Section 38.2-2206).
Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, Liberty Mutual, and The General. For Richmond, Henrico, and Chesterfield drivers who have not shopped their policy since Virginia's 2025 minimum increase, running that comparison is usually where the biggest difference shows up.
Yes. Non-standard carriers like The General specialize in coverage for Richmond-area drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Virginia license reinstatement. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Virginia requires every registered vehicle to carry liability insurance meeting the state minimum, and the DMV verifies coverage electronically through insurers. Driving without insurance or letting your policy lapse can result in registration suspension, fines, and reinstatement fees. Maintaining continuous coverage avoids these penalties entirely.
Dragon Insurance can typically have a quote ready and coverage bound the same day for most standard passenger vehicles in Richmond, Henrico, Chesterfield, and the surrounding metro. Call 717-229-5115 and have your driver's license, vehicle VIN, and current insurance information ready. For non-standard risks, turnaround is usually 1 business day.
The cheapest car insurance for Richmond-area drivers depends on your specific profile, not a single company. Across our panel, Progressive and Safeco are consistently competitive for clean-record drivers, while The General often wins on price for drivers with violations. Because rates vary by exact ZIP code, vehicle, age, and driving record, comparing all of them is the only way to find your lowest rate. Dragon Insurance compares 30+ carriers in one call and shows you the lowest qualifying option.
Yes. Dragon Insurance is licensed in Virginia and serves the entire Richmond metro, including Henrico, Chesterfield, Glen Allen, Midlothian, Short Pump, Mechanicsville, and Colonial Heights. We handle every quote by phone or online, comparing 30+ carriers to find the right coverage for your ZIP code. Call 717-229-5115 or request a quote online to get started.
Richmond, VA
Dragon Insurance compares 30+ carriers for drivers across Richmond, Henrico, Chesterfield, and the greater Richmond metro. Most quotes are ready in under 1 hour, entirely by phone or online.
60+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Virginia
Blog
More guidance for Richmond and Virginia drivers.
April 24, 2026
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