Compare Richmond Heights, MO Car Insurance Rates (2021)

Car insurance in Richmond Heights, MO averages $326 a month. Richmond Heights, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Richmond Heights car insurance rates, compare quotes from the top car insurance companies in Richmond Heights, 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 Richmond Heights for teen drivers is Nationwide
  • Average car insurance rates in Richmond Heights, MO after a DUI are $4,580/year
  • The cheapest car insurance company in Richmond Heights is USAA

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

You’ll find Richmond Heights car insurance rates, the cheapest Richmond Heights, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Richmond Heights, Missouri car insurance rates to Columbia car insurance rates, Kansas City car insurance rates, and St. Joseph car insurance rates.

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

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

How do age, gender, and marital status affect Richmond Heights, MO car insurance rates? Every Richmond Heights, 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 Richmond Heights, 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 $3,594 $3,467 $3,240 $3,343 $10,344 $11,243 $3,418 $3,522
American Family $2,455 $2,455 $2,188 $2,188 $6,839 $8,882 $2,455 $2,863
Farmers $2,685 $2,675 $2,390 $2,536 $11,321 $11,735 $3,050 $3,172
GEICO $2,025 $2,277 $1,590 $2,085 $6,548 $6,850 $1,836 $1,808
Liberty Mutual $3,201 $3,469 $2,638 $2,968 $11,477 $12,751 $3,355 $3,557
Nationwide $1,848 $1,883 $1,656 $1,750 $4,799 $6,135 $2,121 $2,291
Progressive $2,520 $2,297 $2,072 $2,135 $8,744 $9,777 $3,056 $3,092
State Farm $1,732 $1,732 $1,580 $1,580 $5,380 $6,743 $1,958 $2,249
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Richmond Heights, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Richmond Heights, Missouri

Insurance Company Poor Fair Good
Allstate $7,291 $4,676 $3,846
American Family $4,957 $3,483 $2,932
Farmers $5,629 $4,719 $4,489
GEICO $4,321 $2,812 $2,248
Liberty Mutual $7,772 $4,764 $3,745
Nationwide $3,313 $2,741 $2,377
Progressive $4,861 $4,044 $3,730
State Farm $4,056 $2,531 $2,020
USAA $4,567 $2,109 $1,505

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

Annual Richmond Heights, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,093 $6,386 $5,112
American Family $2,825 $4,064 $5,036 $3,237
Farmers $4,271 $5,335 $5,215 $4,962
GEICO $2,388 $3,167 $4,350 $2,604
Liberty Mutual $3,928 $5,675 $5,826 $6,280
Nationwide $2,191 $2,835 $3,811 $2,405
Progressive $3,613 $4,930 $4,034 $4,270
State Farm $2,611 $3,128 $2,869 $2,869
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Richmond Heights, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Richmond Heights, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,344 $11,243
American Family $6,839 $8,882
Farmers $11,321 $11,735
GEICO $6,548 $6,850
Liberty Mutual $11,477 $12,751
Nationwide $4,799 $6,135
Progressive $8,744 $9,777
State Farm $5,380 $6,743
USAA $5,002 $6,115

Cheapest Richmond Heights, MO Car Insurance for Seniors

Take a look at Richmond Heights, 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 Richmond Heights, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,240 $3,343
American Family $2,188 $2,188
Farmers $2,390 $2,536
GEICO $1,590 $2,085
Liberty Mutual $2,638 $2,968
Nationwide $1,656 $1,750
Progressive $2,072 $2,135
State Farm $1,580 $1,580
USAA $1,491 $1,518

Cheapest Richmond Heights, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond Heights, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,386
American Family $5,036
Farmers $5,215
GEICO $4,350
Liberty Mutual $5,826
Nationwide $3,811
Progressive $4,034
State Farm $2,869
USAA $3,694

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Cheapest Richmond Heights, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond Heights, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,271 $5,271
American Family $3,753 $3,828
Farmers $4,946 $4,946
GEICO $3,071 $3,184
Liberty Mutual $5,427 $5,427
Nationwide $2,810 $2,810
Progressive $4,212 $4,212
State Farm $2,798 $2,941
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Richmond Heights, MO

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

Average Annual Car Insurance Rates by Company in Richmond Heights, Missouri

Insurance Company Average Annual Rates
Allstate $5,271
American Family $3,791
Farmers $4,946
GEICO $3,127
Liberty Mutual $5,427
Nationwide $2,810
Progressive $4,212
State Farm $2,869
USAA $2,727

Category Winners: Cheapest Car Insurance in Richmond Heights, Missouri

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

Best Annual Car Insurance Rates by Company in Richmond Heights, Missouri

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

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Cheapest Richmond Heights, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Richmond Heights, Missouri

Insurance Company Low Medium High
Allstate $5,081 $5,260 $5,473
American Family $3,668 $3,909 $3,794
Farmers $4,613 $4,898 $5,325
GEICO $2,871 $3,163 $3,347
Liberty Mutual $5,075 $5,460 $5,746
Nationwide $2,629 $2,838 $2,964
Progressive $3,708 $4,227 $4,701
State Farm $2,651 $2,882 $3,074
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Richmond Heights, Missouri?

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

Commute Time in Richmond Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Richmond Heights, MO is 19.6 minutes according to City-Data.

Compare Car Insurance Quotes in Richmond Heights, MO

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

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