Richmond is the capital of Virginia and the main city of the Greater Richmond and Richmond Metropolitan Statistical area. The city has a total area of 62.5 square miles with 2.5 square miles of water.
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Richmond has a population of 197,790 inhabitants, and a population density of of 3,211.1 people per square mile according to the 2000 census. Life insurance and health insurance quotes depend on the demographics of Richmond. The city is made up of 57.19% African American, 38.30% Caucasian, 2.57% Hispanic/Latino, 1.25% Asian American, 0.24% Native American, 0.08% Pacific Islander, and 1.49% other. Roughly 1.46% of the population came from two or more races. The median household income is $31,121 and the median family income is $25,880.
The climate of Richmond affects home insurance rates heavily. Richmond has a humid subtropical climate. The seasons are moderately different from one another; Spring has mild days and cool nights, Summer is often very hot and humid, Fall is still warm but with chilly nights, and Winter is very mild. In a typical winter, 12 inches of snow usually falls throughout the whole season.
Richmond auto insurance depends on the availability and condition of highways and roads. The city lies at the junctions of Interstate 64 and Interstate 95, two of the most frequented highways. U.S. Route 1, 33, 60, 250, 301 and 360 also serve the area.