About 804Insurance
Built in Virginia, for Virginia drivers.
Finding the right auto insurance shouldn't mean spending hours on the phone with brokers or settling for the first rate you see. We built 804Insurance to solve a specific problem: making insurance comparison easy for Virginia residents.
Our Mission
We believe that every Virginia driver deserves access to transparent, affordable insurance coverage. By focusing exclusively on the Virginia market, we understand the specific needs, state minimums, and local driving conditions that affect your rates — from I-95 in Richmond to I-264 in Virginia Beach to the Dulles Corridor in Northern Virginia.
Our platform has served over 24,000 Virginia drivers, generating quotes that save an average of $847/year compared to what drivers were previously paying.
Why "804"?
The 804 area code is the heart of Richmond, Virginia — our home. We're your neighbors, not a national corporation. We know the roads, the traffic, the weather, and the carriers that serve the Commonwealth best.
How We Work
- We ask the right questions: Our 2-minute form gathers exactly what carriers need to provide an accurate rate — no more, no less.
- We match you with top carriers: We partner with both national giants (Progressive, GEICO, State Farm, Allstate) and regional favorites to give you real options.
- You choose the winner: Compare rates, coverage types, and company ratings to find your perfect match. We never pressure you.
Our Editorial Standards
Rate data on 804Insurance reflects regional averages based on a 35-year-old driver with a clean record driving a 2022 sedan with a $500 deductible. Rates are updated regularly from carrier rate filings and market research. We cite primary sources — Virginia DMV, NAIC, and the Insurance Research Council — wherever possible.
Read our full editorial standards and rate methodology →
Our Commitment to Trust
Your data security is paramount. We use industry-standard encryption to protect your personal information and only share it with the insurance partners necessary to generate your quotes. We don't sell your data to non-insurance third parties.
Our service is completely free to use. We earn a referral fee when we successfully match you with a carrier — this never affects the premium you pay or our ability to show you unbiased rate comparisons.
Contact Us
Questions about your quote or our platform? Reach us at 1-800-804-SAVE (1-800-804-7283) or through our quote form. We're based in Richmond, Virginia and serve the entire Commonwealth.