Northern Neck Car Insurance Review & Ratings (2023)

This Northern Neck Car Insurance Review will cover Northern Neck Car Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Northern Neck Car Insurance A.M. Best rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 4981 Irvington Road
City: Irvington
State: Virginia
ZIP Code: 22480
Phone Number: 804-438-6611
Year Founded: 1896
AM Best Rating: A

The Rundown

  • Northern Neck offers coverages to customers throughout Virginia
  • The best way to save with Northern Neck is to bundle different types of insurance
  • Northern Neck has been rated an A by A.M. Best

Northern Neck provides car insurance to customers exclusively in Virginia. The company offers the most common coverages, and customers can save by bundling different types of insurance. Additionally, the company has an excellent rating from A.M. Best.

Learning more about Northern Neck Insurance will help you decide if the company is the right fit.

Before jumping into this Northern Neck Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

Does Northern Neck Insurance offer competitive rates?

You won’t find affordable Northern Neck car insurance rates on its website or reviews, which isn’t surprising considering the company’s small size. However, you can get an accurate quote by contacting the company and speaking to a representative.

The representative will ask multiple questions about your driving history, vehicle, and lifestyle when you inquire about rates. These questions allow the representative to provide accurate Northern Neck car insurance quotes.

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What coverages are available from Northern Neck Insurance?

The Northern Neck car insurance company provides the same coverages that any of the best insurance companies typically do. However, the difference between Northern Neck and other companies is that it’s locally owned and operated, providing policies only for Virginians.

Auto insurance coverages provided by Northern Neck Insurance include:

  • Collision: Covers the cost to repair or replace your car if you’re involved in an accident
  • Comprehensive: Reimburses you for damage due to theft, vandalism, flood, fire, and hail
  • Bodily injury liability: Covers the cost of injuries to others if you’re involved in an accident
  • Property damage liability: Covers the cost of property damage in an accident you cause
  • Loss of personal belongings: Helps to cover the cost of personal belongings lost or damaged while in the car

Customers that buy Northern Neck car insurance policies also have access to roadside assistance. This coverage is available at all times and comes with all plans. Northern Neck’s roadside assistance includes:

  • Towing
  • Tire replacement
  • Gas delivery

Customers in need of this service can request assistance by calling 800-913-8847.

How can you save with Northern Neck Insurance?

Due to its size, Northern Neck rates might be higher than some competitors. However, you can combine multiple policies to lower your monthly rates. Additionally, Northern Neck provides various discounts that customers can use to save.

The best way to save with Northern Neck is to bundle coverage. In addition to auto insurance, Northern Neck provides:

  • Homeowners insurance
  • Renters insurance
  • Personal umbrella
  • Cyber protection

Customers who purchase two different types of insurance with Northern Neck within 60 days of each other will receive additional savings. These savings include:

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

Northern Neck also provides some of the same types of discounts you’ll find with other companies. The following table shows some of the popular deals offered by Northern Neck Insurance.

Northern Neck Insurance Auto Discounts

Car DiscountDiscount Eligibility
Accident-freeDrivers with no accidents in the past three to five years.
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Defensive drivingCompleted approved defensive driving course.
Good studentHigh school or college students with at least a 3.0 grade point average.
HomeownerInsured owns a single-family home.
Multi-car policyInsure more than one car on a single auto insurance policy.
Safe driverDisplay safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving.

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When getting a quote from Northern Neck Insurance customer service, ask about which discounts are available to you. Then, the representative can use your specific information to determine how to help you save the most on your car insurance.

How is Northern Neck Insurance rated?

Credit rating agencies regularly review and rate auto insurance companies based on financial strength. These ratings determine the company’s likelihood to provide a payout when you file a claim.

Northern Neck Insurance has been rated an A by A.M. Best, the most trusted credit rating agency. This rating is excellent and indicates that the company will provide a payout in almost all situations.

Additionally, the Better Business Bureau (BBB) has reviewed the company. Northern Neck became accredited in 2013 and has received an A+ rating from the BBB.

The BBB has only received four complaints about Northern Neck during the past three years. Seven customers have left reviews on the BBB website about Northern Neck. These reviews have an average of five out of five stars.

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Does Northern Neck Insurance have a website?

Northern Neck has one website for all insurance coverages, located at Through the website, customers can:

  • View and download policy documents
  • Report claims online
  • Update personal information
  • Make payments
  • Make policy changes

A unique aspect of the website is that customers can make payments without creating an account or accessing a Northern Neck Insurance login. This process can make it easier to make policy payments. However, you can save and access payment information by creating an account.

How can you file a claim with Northern Neck Insurance?

Customers can file a claim by calling Northern Neck Insurance customer service during business hours at 877-968-7252. Contacting the company by phone is the only way to report a claim.

If you’re looking to report a claim after business hours, the company also has a toll-free line at 800-552-8660.

What is the history of Northern Neck Insurance?

Northern Neck was founded as the Northern Neck Mutual Fire Association in 1896 in Irvington, Virginia. The company came about when 37 homeowners pooled their resources to rebuild a fire-destroyed home.

In 1987, the company was renamed the Northern Neck Insurance Company to reflect its growing services. However, it remains a mutual company and a Virginia-specific organization.

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Northern Neck Insurance: The Bottom Line

Northern Neck provides various types of insurance specifically for Virginia residents. The company offers several discounts, has few complaints, and has been rated an A by A.M. Best. Learning more about Northern Neck Insurance and comparing it to other companies will help you determine if it’s right for you.

Now that you know about Northern Neck Insurance, enter your ZIP code to find free auto insurance rates in your area.

for Northern Neck Insurance Company

4.71 (16 reviews)
January 16, 2019


Great Insurance company

It was a little difficult at the beginning because of there new systems but after we got past that it has been a great company to deal with
May 17, 2018


Good value

Very cost effective and easy to work with. They give discounts for multiple policies so I have my home owners policy with them also.
May 14, 2018


Highly recommend

Excellent customer service, easy claim submission process. Highly recommend Northern Neck Insurance for home coverage.
April 4, 2018


Great company

Great company ...while I have had no at fault accidents they have been helpful the two times my car was hit..
March 9, 2018



I was pleasantly surprised because of their excellent quality. They made me feel at home because they are good.
February 2, 2018


Hit and Run on Father's Day has a happy ending...

Came out of restaurant on Father's Day to discover that my car had been hit and run. Northern Neck's agents and representatives were so helpful in what was a somewhat stressful situation. They worked with local law enforcement to gather information and auto-body shop to repair my vehicle as soon as possible. Our local insurance agent has always been there when needed and works to get us discounts and the best possible rates.
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