Compare Richland, MO Car Insurance Rates (2021)

Car insurance in Richland, MO averages $256 a month. Richland, Missouri 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, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Richland for teen drivers is Nationwide
  • Average car insurance rates in Richland, MO after a DUI are $3,584/year
  • The cheapest car insurance company in Richland is Nationwide

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

You’ll find Richland car insurance rates, the cheapest Richland, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Richland, Missouri car insurance rates to Springfield car insurance rates, St. Joseph car insurance rates, and St. Charles car insurance rates.

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

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

How do age, gender, and marital status affect Richland, MO car insurance rates? Every Richland, 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 Richland, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $2,103 $2,103 $1,870 $1,870 $5,646 $7,360 $2,103 $2,468
Farmers $2,108 $2,099 $1,885 $1,995 $8,579 $8,860 $2,409 $2,524
GEICO $1,668 $1,870 $1,294 $1,651 $5,204 $5,527 $1,526 $1,540
Liberty Mutual $2,560 $2,774 $2,110 $2,363 $8,836 $9,804 $2,698 $2,881
Nationwide $1,313 $1,338 $1,180 $1,245 $3,358 $4,280 $1,501 $1,618
Progressive $1,887 $1,750 $1,542 $1,588 $6,205 $6,970 $2,300 $2,365
State Farm $1,506 $1,506 $1,346 $1,346 $4,386 $5,512 $1,695 $1,949
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

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Minimum Car Insurance in Richland, MO

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

Minimum Required Car Insurance Coverage in Richland, 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 Richland, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richland, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,171 $2,930 $2,469
Farmers $4,356 $3,622 $3,444
GEICO $3,496 $2,281 $1,827
Liberty Mutual $6,106 $3,724 $2,930
Nationwide $2,328 $1,930 $1,679
Progressive $3,565 $2,946 $2,716
State Farm $3,311 $2,148 $1,758
USAA $4,206 $1,968 $1,413

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

Annual Richland, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,416 $3,448 $4,157 $2,740
Farmers $3,299 $4,088 $3,999 $3,844
GEICO $1,973 $2,565 $3,458 $2,143
Liberty Mutual $3,088 $4,434 $4,573 $4,918
Nationwide $1,552 $1,996 $2,669 $1,700
Progressive $2,655 $3,576 $2,949 $3,123
State Farm $2,208 $2,603 $2,406 $2,406
USAA $2,029 $2,462 $3,409 $2,217

Cheapest Richland, MO Car Insurance for Teen Drivers

Teen car insurance in Richland, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,646 $7,360
Farmers $8,579 $8,860
GEICO $5,204 $5,527
Liberty Mutual $8,836 $9,804
Nationwide $3,358 $4,280
Progressive $6,205 $6,970
State Farm $4,386 $5,512
USAA $4,603 $5,620

Cheapest Richland, MO Car Insurance for Seniors

Take a look at Richland, 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 Richland, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,870 $1,870
Farmers $1,885 $1,995
GEICO $1,294 $1,651
Liberty Mutual $2,110 $2,363
Nationwide $1,180 $1,245
Progressive $1,542 $1,588
State Farm $1,346 $1,346
USAA $1,404 $1,428

Cheapest Richland, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richland, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $4,157
Farmers $3,999
GEICO $3,458
Liberty Mutual $4,573
Nationwide $2,669
Progressive $2,949
State Farm $2,406
USAA $3,409

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Cheapest Richland, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richland, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,158 $3,222
Farmers $3,807 $3,807
GEICO $2,488 $2,582
Liberty Mutual $4,253 $4,253
Nationwide $1,979 $1,979
Progressive $3,076 $3,076
State Farm $2,348 $2,463
USAA $2,437 $2,620

The Best Cheap Car Insurance Companies in Richland, MO

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

Average Annual Car Insurance Rates by Company in Richland, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,190
Farmers $3,807
GEICO $2,535
Liberty Mutual $4,253
Nationwide $1,979
Progressive $3,076
State Farm $2,406
USAA $2,529

Category Winners: Cheapest Car Insurance in Richland, Missouri

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

Best Annual Car Insurance Rates by Company in Richland, 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

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Cheapest Richland, MO 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, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Richland, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,101 $3,291 $3,177
Farmers $3,577 $3,772 $4,073
GEICO $2,382 $2,551 $2,672
Liberty Mutual $4,022 $4,273 $4,465
Nationwide $1,858 $1,998 $2,081
Progressive $2,772 $3,082 $3,373
State Farm $2,269 $2,413 $2,535
USAA $2,414 $2,520 $2,654

What affects car insurance rates in Richland, Missouri?

What factors can have an impact on Richland, MO 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, Missouri.

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, MO is 30.3 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, MO traffic data from INRIX ranks Richland as the 985th-most congested in the world.

Compare Car Insurance Quotes in Richland, MO

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

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