Hometown Auto Insurance
Hometown Auto Insurance
in Car Insurance from Hometown Insurance Agency Inc

Hometown Auto Insurance

in Car Insurance from Hometown Insurance Agency Inc
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Hometown Auto Insurance Review

Hometown Insurance Agency Inc is a car insurance carrier based in WINCHESTER, VA. The insurance company was founded in 1963 and offers car insurance in 1 state in the USA.

If you're considering whether Hometown Auto Insurance is a good option for you, read on.

Hometown Auto Insurance Pros & Cons

Pros Cons
  • No 24/7 phone availability
  • No free policy cancellation
  • No locally available agents
  • Does not offer digital claims reporting
  • No accident forgiveness
  • Does not offer emergency roadside assistance
  • No rental car coverage
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Not many policy discounts available
  • Does not offer many vehicle equipment discounts

Hometown Auto Insurance FAQ

What types of car insurance coverage options does Hometown Auto Insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Hometown Auto Insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

Does Hometown Auto Insurance have roadside assistance?

No, Hometown Insurance Agency Inc does not have roadside assistace.

Does Hometown Auto Insurance offer ridesharing insurance?

No, Hometown Auto Insurance does not offer ridesharing coverage as a rider or endorsement.

Ways to pay my Hometown Auto Insurance

Hometown Insurance Agency Inc allows policyholders to pay their premiums using the following methods:
  • Automatic Payments
  • Credit/Debit Card

How does Hometown Insurance Agency Inc calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Hometown Insurance Agency Inc is no exception. However, you can be confident that Hometown Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Hometown Auto Insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Hometown Auto Insurance insurance quote

  • Visit the Hometown Insurance Agency Inc website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Hometown Auto Insurance

It seems like everyone is advertising “You can Call us, and over the phone, we can save you a bunch of money” …… Convenience is great, but how can you find the best coverage for your needs without having someone get to know you? If you don’t have the right insurance protection, will you be able to pay for necessary medical treatments, car repairs, legal fees, and other costs that come with being involved in an accident, whether you're at fault or not? Working with Hometown Insurance Agency you will have a personal, professional agent who works and lives in your community. We will take the time to get to know you and how we can protect your financial needs. We want to make sure that you and your family are protected when you need it the most! Good Student Discounts. Passive Restraint Discount. Ticket Free Discount. No Deductible Windshield Repair. Home Auto Discount. Life Insurance Discount.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Hometown Insurance Agency Inc


  Available in 1 state
Availabile in all of Virginia

Feature Breakdown

Policy Discounts
  • Multiple Policy
  • Student Away at School
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
Vehicle Coverages
  • Comprehensive
  • Collision
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age 16
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number

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