Compare Richland, NY Car Insurance Rates (2021)

Car insurance in Richland, NY averages $257 a month. Richland, New York car insurance requirements are 25/50/10, 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, NY.

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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...

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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 GEICO
  • Average car insurance rates in Richland, NY after a DUI are $4,085/year
  • Average car insurance rates in Richland, NY are $3,085/year

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

You’ll find Richland car insurance rates, the cheapest Richland, NY car insurance companies, and information on New York car insurance laws. You can also compare Richland, New York car insurance rates to Rochester car insurance rates, Schenectady car insurance rates, and Buffalo car insurance rates.

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

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

How do age, gender, and marital status affect Richland, NY car insurance rates? Every Richland, New York 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, New York

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 $2,390 $2,267 $2,223 $2,260 $6,737 $7,224 $2,416 $2,455
GEICO $1,304 $1,256 $1,268 $1,250 $2,710 $3,943 $1,177 $1,209
Liberty Mutual $3,372 $3,372 $3,142 $3,142 $6,550 $10,619 $3,372 $3,582
Nationwide $2,172 $2,172 $2,051 $2,051 $3,851 $5,729 $2,172 $2,765
Progressive $1,457 $1,369 $1,174 $1,193 $4,944 $5,517 $1,887 $1,850
State Farm $2,088 $2,088 $1,815 $1,815 $6,051 $7,828 $2,289 $2,428
Travelers $2,390 $2,411 $2,183 $2,339 $5,531 $6,579 $2,533 $2,639
USAA $1,491 $1,463 $1,346 $1,345 $6,012 $7,189 $1,899 $2,090

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Minimum Car Insurance in Richland, NY

Every driver must carry the minimum car insurance in Richland, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Richland, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Richland, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richland, NY. 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, New York

Insurance Company Poor Fair Good
Allstate $4,978 $2,946 $2,566
GEICO $2,211 $1,625 $1,458
Liberty Mutual $6,486 $4,253 $3,193
Nationwide $2,870 $2,870 $2,870
Progressive $3,810 $1,993 $1,467
State Farm $4,659 $2,922 $2,319
Travelers $4,580 $2,888 $2,509
USAA $4,423 $2,195 $1,945

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

Annual Richland, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,988 $2,988 $4,286 $3,724
GEICO $1,395 $1,520 $2,749 $1,395
Liberty Mutual $3,723 $3,723 $7,405 $3,723
Nationwide $2,197 $2,197 $4,839 $2,247
Progressive $2,358 $2,358 $2,606 $2,372
State Farm $3,148 $3,148 $3,452 $3,452
Travelers $2,849 $3,548 $3,599 $3,307
USAA $2,530 $2,572 $3,744 $2,572

Cheapest Richland, NY Car Insurance for Teen Drivers

Teen car insurance in Richland, NY 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, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,737 $7,224
GEICO $2,710 $3,943
Liberty Mutual $6,550 $10,619
Nationwide $3,851 $5,729
Progressive $4,944 $5,517
State Farm $6,051 $7,828
Travelers $5,531 $6,579
USAA $6,012 $7,189

Cheapest Richland, NY Car Insurance for Seniors

Take a look at Richland, NY 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, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,223 $2,260
GEICO $1,268 $1,250
Liberty Mutual $3,142 $3,142
Nationwide $2,051 $2,051
Progressive $1,174 $1,193
State Farm $1,815 $1,815
Travelers $2,183 $2,339
USAA $1,346 $1,345

Cheapest Richland, NY Car Insurance Rates After a DUI

A DUI in Richland, NY increases car insurance rates. Compare Richland, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Richland, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,286
GEICO $2,749
Liberty Mutual $7,405
Nationwide $4,839
Progressive $2,606
State Farm $3,452
Travelers $3,599
USAA $3,744

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Cheapest Richland, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richland, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,450 $3,543
GEICO $1,713 $1,816
Liberty Mutual $4,514 $4,774
Nationwide $2,870 $2,870
Progressive $2,424 $2,424
State Farm $3,185 $3,415
Travelers $3,326 $3,326
USAA $2,826 $2,883

The Best Cheap Car Insurance Companies in Richland, NY

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

Average Annual Car Insurance Rates by Company in Richland, New York

Insurance Company Average Annual Rates
Allstate $3,497
GEICO $1,765
Liberty Mutual $4,644
Nationwide $2,870
Progressive $2,424
State Farm $3,300
Travelers $3,326
USAA $2,854

Category Winners: Cheapest Car Insurance in Richland, New York

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

Best Annual Car Insurance Rates by Company in Richland, New York

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

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

Annual Car Insurance Rates by Coverage Level in Richland, New York

Insurance Company Low Medium High
Allstate $3,329 $3,487 $3,674
GEICO $1,673 $1,759 $1,863
Liberty Mutual $4,456 $4,628 $4,848
Nationwide $2,716 $2,850 $3,045
Progressive $2,306 $2,412 $2,554
State Farm $3,149 $3,317 $3,435
Travelers $3,152 $3,291 $3,534
USAA $2,786 $2,844 $2,933

What affects car insurance rates in Richland, New York?

What factors can have an impact on Richland, NY 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, New York.

Traffic in Richland

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

Compare Car Insurance Quotes in Richland, NY

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

Free Car Insurance Comparison

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