Compare Richards, MO Car Insurance Rates (2021)

Car insurance in Richards, MO averages $259 a month. Richards, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Richards car insurance rates, compare quotes from the top car insurance companies in Richards, MO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Richards for teen drivers is Nationwide
  • Average car insurance rates in Richards, MO are $3,113/year
  • Average car insurance rates in Richards, MO after a DUI are $3,627/year

If you need to buy Richards, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Richards, MO is right here.

You’ll find Richards car insurance rates, the cheapest Richards, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Richards, Missouri car insurance rates to Columbia car insurance rates, Lee’s Summit car insurance rates, and Blue Springs car insurance rates.

Ready to find affordable Richards, MO car insurance today? Enter your ZIP code for fast, free Richards car insurance quotes.

Cheapest Richards, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Richards, MO car insurance rates? Every Richards, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richards, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,712 $2,617 $2,447 $2,524 $7,657 $8,279 $2,583 $2,662
American Family $2,170 $2,170 $1,927 $1,927 $5,764 $7,532 $2,170 $2,553
Farmers $2,167 $2,165 $1,939 $2,051 $8,748 $9,056 $2,462 $2,577
GEICO $1,863 $2,067 $1,456 $1,831 $5,627 $5,943 $1,735 $1,747
Liberty Mutual $2,579 $2,802 $2,126 $2,387 $8,298 $9,222 $2,725 $2,918
Nationwide $1,322 $1,353 $1,182 $1,255 $3,302 $4,240 $1,504 $1,630
Progressive $1,970 $1,850 $1,608 $1,654 $6,131 $6,905 $2,406 $2,472
State Farm $1,609 $1,609 $1,426 $1,426 $4,478 $5,674 $1,806 $2,049
USAA $1,463 $1,450 $1,323 $1,344 $4,358 $5,323 $1,819 $2,023

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Richards, MO

Every driver must carry the minimum car insurance in Richards, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Richards, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Richards, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richards, MO. Compare credit history car insurance rates in Richards from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Richards, Missouri

Insurance Company Poor Fair Good
Allstate $5,428 $3,493 $2,883
American Family $4,289 $3,008 $2,533
Farmers $4,457 $3,705 $3,525
GEICO $3,843 $2,504 $2,004
Liberty Mutual $5,944 $3,605 $2,847
Nationwide $2,330 $1,919 $1,672
Progressive $3,629 $2,990 $2,754
State Farm $3,387 $2,260 $1,882
USAA $3,967 $1,859 $1,337

Cheapest Richards, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Richards, MO to rates for a clean record with top companies.

Annual Richards, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,363 $3,805 $4,755 $3,818
American Family $2,502 $3,534 $4,244 $2,827
Farmers $3,395 $4,177 $4,089 $3,922
GEICO $2,205 $2,817 $3,735 $2,377
Liberty Mutual $3,023 $4,293 $4,450 $4,763
Nationwide $1,567 $1,989 $2,630 $1,708
Progressive $2,733 $3,590 $3,007 $3,168
State Farm $2,319 $2,701 $2,510 $2,510
USAA $1,911 $2,325 $3,225 $2,091

Cheapest Richards, MO Car Insurance for Teen Drivers

Teen car insurance in Richards, MO can be expensive. Take a look at rates from the top car insurance companies in Richards for teenagers.

Annual Car Insurance Rates for Teen Drivers in Richards, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,657 $8,279
American Family $5,764 $7,532
Farmers $8,748 $9,056
GEICO $5,627 $5,943
Liberty Mutual $8,298 $9,222
Nationwide $3,302 $4,240
Progressive $6,131 $6,905
State Farm $4,478 $5,674
USAA $4,358 $5,323

Cheapest Richards, MO Car Insurance for Seniors

Take a look at Richards, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Richards, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,447 $2,524
American Family $1,927 $1,927
Farmers $1,939 $2,051
GEICO $1,456 $1,831
Liberty Mutual $2,126 $2,387
Nationwide $1,182 $1,255
Progressive $1,608 $1,654
State Farm $1,426 $1,426
USAA $1,323 $1,344

Cheapest Richards, MO Car Insurance Rates After a DUI

A DUI in Richards, MO increases car insurance rates. Compare Richards, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Richards, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,755
American Family $4,244
Farmers $4,089
GEICO $3,735
Liberty Mutual $4,450
Nationwide $2,630
Progressive $3,007
State Farm $2,510
USAA $3,225

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Richards, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Richards, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Richards, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,935 $3,935
American Family $3,243 $3,310
Farmers $3,896 $3,896
GEICO $2,729 $2,838
Liberty Mutual $4,132 $4,132
Nationwide $1,974 $1,974
Progressive $3,125 $3,125
State Farm $2,448 $2,572
USAA $2,302 $2,474

The Best Cheap Car Insurance Companies in Richards, MO

Take a look at a side-by-side comparison of the top car insurance companies in Richards, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Richards, Missouri

Insurance Company Average Annual Rates
Allstate $3,935
American Family $3,277
Farmers $3,896
GEICO $2,783
Liberty Mutual $4,132
Nationwide $1,974
Progressive $3,125
State Farm $2,510
USAA $2,388

Category Winners: Cheapest Car Insurance in Richards, Missouri

Find the cheapest car insurance companies in Richards, MO for each category right here.

Best Annual Car Insurance Rates by Company in Richards, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Richards, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Richards car insurance rates. Find the cheapest Richards, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Richards, Missouri

Insurance Company Low Medium High
Allstate $3,776 $3,926 $4,103
American Family $3,191 $3,381 $3,258
Farmers $3,648 $3,858 $4,182
GEICO $2,608 $2,803 $2,939
Liberty Mutual $3,909 $4,151 $4,337
Nationwide $1,859 $1,990 $2,071
Progressive $2,833 $3,131 $3,410
State Farm $2,362 $2,519 $2,648
USAA $2,281 $2,380 $2,503

What affects car insurance rates in Richards, Missouri?

What factors can have an impact on Richards, MO car insurance? There are several reasons why Richards car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Richards, Missouri.

Commute Time in Richards

The more time you spend in your car the higher the risk of an accident. The average commute length in Richards, MO is 17.8 minutes according to City-Data.

Compare Car Insurance Quotes in Richards, MO

Ready to find affordable Richards, Missouri car insurance today? Enter your ZIP code for fast, free Richards, MO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption