Compare Richmond, CA Car Insurance Rates (2021)

Car insurance in Richmond, CA averages $338 a month. Richmond, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Richmond car insurance rates, compare quotes from the top car insurance companies in Richmond, CA.

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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

  • Average car insurance rates in Richmond, CA after a DUI are $5,703/year
  • The cheapest car insurance company in Richmond for teen drivers is USAA
  • The cheapest car insurance company in Richmond is USAA

If you need to buy Richmond, California car insurance, the options can be confusing. Everything you need to know about car insurance in Richmond, CA is right here.

You’ll find Richmond car insurance rates, the cheapest Richmond, CA car insurance companies, and information on California car insurance laws. You can also compare Richmond, California car insurance rates to San Diego car insurance rates, Anaheim car insurance rates, and Long Beach car insurance rates.

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

Cheapest Richmond, CA Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richmond, California

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 $3,167 $3,171 $2,303 $2,328 $8,818 $11,102 $4,066 $4,476
Farmers $2,968 $2,968 $2,666 $2,666 $9,492 $15,652 $3,519 $3,920
GEICO $1,880 $1,882 $1,770 $1,770 $5,722 $5,824 $2,701 $2,764
Liberty Mutual $2,507 $2,382 $2,321 $2,253 $5,528 $5,848 $2,840 $2,851
Nationwide $3,420 $3,267 $2,981 $2,811 $8,693 $9,594 $4,089 $4,047
Progressive $1,910 $1,967 $1,616 $1,923 $5,086 $6,143 $2,755 $2,964
State Farm $3,950 $3,950 $3,527 $3,527 $7,249 $8,981 $4,374 $4,511
Travelers $2,869 $2,781 $2,524 $2,496 $5,938 $6,860 $3,756 $3,682
USAA $2,091 $1,983 $2,040 $2,051 $4,749 $4,798 $2,914 $2,755

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Minimum Car Insurance in Richmond, CA

Every driver must carry the minimum car insurance in Richmond, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Richmond, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Richmond, CA 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 Richmond, CA to rates for a clean record with top companies.

Annual Richmond, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,962 $5,003 $7,858 $3,893
Farmers $4,044 $5,515 $6,885 $5,482
GEICO $2,127 $3,275 $4,117 $2,639
Liberty Mutual $2,878 $3,858 $3,478 $3,049
Nationwide $3,392 $4,347 $7,365 $4,347
Progressive $1,993 $3,386 $3,930 $2,872
State Farm $3,572 $4,261 $8,054 $4,147
Travelers $2,567 $4,190 $4,908 $3,788
USAA $1,940 $2,889 $4,736 $2,126

Cheapest Richmond, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Richmond, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,818 $11,102
Farmers $9,492 $15,652
GEICO $5,722 $5,824
Liberty Mutual $5,528 $5,848
Nationwide $8,693 $9,594
Progressive $5,086 $6,143
State Farm $7,249 $8,981
Travelers $5,938 $6,860
USAA $4,749 $4,798

Cheapest Richmond, CA Car Insurance for Seniors

Take a look at Richmond, CA 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 Richmond, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,303 $2,328
Farmers $2,666 $2,666
GEICO $1,770 $1,770
Liberty Mutual $2,321 $2,253
Nationwide $2,981 $2,811
Progressive $1,616 $1,923
State Farm $3,527 $3,527
Travelers $2,524 $2,496
USAA $2,040 $2,051

Cheapest Richmond, CA Car Insurance Rates After a DUI

A DUI in Richmond, CA increases car insurance rates. Compare Richmond, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Richmond, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,858
Farmers $6,885
GEICO $4,117
Liberty Mutual $3,478
Nationwide $7,365
Progressive $3,930
State Farm $8,054
Travelers $4,908
USAA $4,736

Cheapest Richmond, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,443 $5,415
Farmers $4,974 $5,988
GEICO $2,761 $3,318
Liberty Mutual $3,045 $3,587
Nationwide $4,293 $5,433
Progressive $2,763 $3,328
State Farm $4,828 $5,189
Travelers $3,466 $4,261
USAA $2,695 $3,150

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Cheapest Richmond, CA Car Insurance Rates by ZIP Code

Richmond car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Richmond, CA.

Annual Car Insurance Rates by ZIP Code in Richmond, California

ZIP Code Average Annual Rates
94801 $5,898
94803 $5,369
94804 $5,610
94805 $5,515
94850 $5,473

The Best Cheap Car Insurance Companies in Richmond, CA

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

Average Annual Car Insurance Rates by Company in Richmond, California

Insurance Company Average Annual Rates
Allstate $4,929
Farmers $5,481
GEICO $3,039
Liberty Mutual $3,316
Nationwide $4,863
Progressive $3,045
State Farm $5,009
Travelers $3,863
USAA $2,923

Category Winners: Cheapest Car Insurance in Richmond, California

Find the cheapest car insurance companies in Richmond, CA for each category right here.

Best Annual Car Insurance Rates by Company in Richmond, California

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

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Cheapest Richmond, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Richmond, California

Insurance Company Low Medium High
Allstate $4,669 $4,971 $5,146
Farmers $5,143 $5,518 $5,784
GEICO $2,801 $3,072 $3,244
Liberty Mutual $3,113 $3,344 $3,492
Nationwide $4,392 $4,945 $5,250
Progressive $2,744 $3,133 $3,258
State Farm $4,557 $5,088 $5,381
Travelers $3,421 $3,960 $4,209
USAA $2,684 $2,973 $3,111

What affects car insurance rates in Richmond, California?

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

Car Theft in Richmond

High levels of vehicle theft can make car insurance more expensive. Richmond, CA car theft statistics from the FBI indicate 1,685 vehicle thefts a year.

Commute Time in Richmond

The more time you spend in your car the higher the risk of an accident. The average commute length in Richmond, CA is 35.6 minutes according to City-Data.

Traffic in Richmond

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Richmond, CA traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, CA

Ready to find affordable Richmond, California car insurance today? Enter your ZIP code for fast, free Richmond, CA car insurance quotes.

Free Car Insurance Comparison

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

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