Compare Richland, IN Car Insurance Rates (2021)

Car insurance in Richland, IN averages $281 a month. Richland, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Richland car insurance rates, compare quotes from the top car insurance companies in Richland, IN.

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

  • Average car insurance rates in Richland, IN are $3,369/year
  • Average car insurance rates in Richland, IN after a DUI are $3,978/year
  • The cheapest car insurance company in Richland for teen drivers is USAA

If you need to buy Richland, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Richland, IN is right here.

You’ll find Richland car insurance rates, the cheapest Richland, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Richland, Indiana car insurance rates to Gary car insurance rates, Fort Wayne car insurance rates, and Bloomington car insurance rates.

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

Cheapest Richland, IN Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richland, Indiana

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 $2,419 $2,475 $2,129 $2,330 $7,529 $9,513 $2,450 $2,661
American Family $2,133 $2,133 $1,913 $1,913 $5,738 $8,356 $2,133 $2,645
Farmers $1,747 $1,728 $1,492 $1,680 $9,454 $10,121 $2,312 $2,492
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,976 $3,976 $3,651 $3,651 $8,754 $13,239 $3,976 $5,466
Nationwide $1,782 $1,827 $1,557 $1,669 $5,181 $6,759 $2,089 $2,292
Progressive $1,673 $1,585 $1,514 $1,526 $9,768 $10,989 $2,096 $2,139
State Farm $1,566 $1,566 $1,387 $1,387 $4,644 $5,960 $1,728 $1,925
Travelers $1,240 $1,262 $1,162 $1,161 $7,581 $11,934 $1,311 $1,523
USAA $968 $956 $894 $906 $2,640 $2,970 $1,310 $1,411

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 Richland, IN

Every driver must carry the minimum car insurance in Richland, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Richland, Indiana

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 Richland, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Richland, Indiana

Insurance Company Poor Fair Good
Allstate $4,878 $3,634 $3,303
American Family $4,601 $2,998 $2,512
Farmers $4,519 $3,694 $3,422
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,772 $5,058 $4,678
Nationwide $3,297 $2,784 $2,602
Progressive $4,316 $3,819 $3,599
State Farm $3,673 $2,190 $1,698
Travelers $3,785 $3,204 $3,201
USAA $2,039 $1,338 $1,144

Cheapest Richland, IN 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 Richland, IN to rates for a clean record with top companies.

Annual Richland, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,137 $4,621 $4,260 $3,735
American Family $2,322 $3,712 $4,682 $2,765
Farmers $3,465 $4,054 $4,169 $3,826
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,581 $5,380 $8,346 $5,037
Nationwide $2,483 $3,214 $3,079 $2,802
Progressive $2,930 $5,140 $3,497 $4,079
State Farm $2,463 $2,693 $2,463 $2,463
Travelers $2,883 $3,567 $4,043 $3,094
USAA $1,142 $1,617 $1,856 $1,413

Cheapest Richland, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Richland, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,529 $9,513
American Family $5,738 $8,356
Farmers $9,454 $10,121
GEICO $4,871 $4,549
Liberty Mutual $8,754 $13,239
Nationwide $5,181 $6,759
Progressive $9,768 $10,989
State Farm $4,644 $5,960
Travelers $7,581 $11,934
USAA $2,640 $2,970

Cheapest Richland, IN Car Insurance for Seniors

Take a look at Richland, IN 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 Richland, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,129 $2,330
American Family $1,913 $1,913
Farmers $1,492 $1,680
GEICO $1,547 $1,591
Liberty Mutual $3,651 $3,651
Nationwide $1,557 $1,669
Progressive $1,514 $1,526
State Farm $1,387 $1,387
Travelers $1,162 $1,161
USAA $894 $906

Cheapest Richland, IN Car Insurance Rates After a DUI

A DUI in Richland, IN increases car insurance rates. Compare Richland, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Richland, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,260
American Family $4,682
Farmers $4,169
GEICO $3,385
Liberty Mutual $8,346
Nationwide $3,079
Progressive $3,497
State Farm $2,463
Travelers $4,043
USAA $1,856

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Richland, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richland, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,938 $3,938
American Family $3,330 $3,411
Farmers $3,878 $3,878
GEICO $2,392 $2,483
Liberty Mutual $5,680 $5,992
Nationwide $2,894 $2,894
Progressive $3,911 $3,911
State Farm $2,449 $2,592
Travelers $3,397 $3,397
USAA $1,487 $1,527

The Best Cheap Car Insurance Companies in Richland, IN

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

Average Annual Car Insurance Rates by Company in Richland, Indiana

Insurance Company Average Annual Rates
Allstate $3,938
American Family $3,370
Farmers $3,878
GEICO $2,438
Liberty Mutual $5,836
Nationwide $2,894
Progressive $3,911
State Farm $2,520
Travelers $3,397
USAA $1,507

Category Winners: Cheapest Car Insurance in Richland, Indiana

Find the cheapest car insurance companies in Richland, IN for each category right here.

Best Annual Car Insurance Rates by Company in Richland, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Richland, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Richland, Indiana

Insurance Company Low Medium High
Allstate $3,741 $3,923 $4,151
American Family $3,351 $3,483 $3,278
Farmers $3,752 $3,872 $4,012
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,675 $5,824 $6,009
Nationwide $2,944 $2,871 $2,869
Progressive $3,687 $3,848 $4,200
State Farm $2,412 $2,520 $2,630
Travelers $3,337 $3,428 $3,425
USAA $1,460 $1,504 $1,557

What affects car insurance rates in Richland, Indiana?

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

Commute Time in Richland

The more time you spend in your car the higher the risk of an accident. The average commute length in Richland, IN is 33.3 minutes according to City-Data.

Traffic in Richland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Richland, IN traffic data from INRIX ranks Richland as the 985th-most congested in the world.

Compare Car Insurance Quotes in Richland, IN

Ready to find affordable Richland, Indiana car insurance today? Enter your ZIP code for fast, free Richland, IN 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

Average Monthly Car Insurance Rates by State