Compare Richmond, IL Car Insurance Rates (2021)

Car insurance in Richmond, IL averages $276 a month. Richmond, Illinois car insurance requirements are 25/50/20, 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, IL.

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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 Richmond for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Richmond is Liberty Mutual
  • Average car insurance rates in Richmond, IL are $3,317/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Richmond, Illinois car insurance rates to Champaign car insurance rates, Elgin car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, IL car insurance rates? Every Richmond, Illinois 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, Illinois

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 $3,431 $3,447 $3,601 $3,601 $9,027 $11,676 $4,123 $4,452
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,542 $2,540 $2,246 $2,384 $11,381 $11,879 $2,903 $3,019
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,384 $1,490 $1,146 $1,279 $4,811 $5,345 $1,448 $1,524
Nationwide $1,678 $1,702 $1,500 $1,582 $4,576 $5,845 $1,952 $2,107
Progressive $2,070 $1,947 $1,711 $1,797 $7,599 $8,513 $2,462 $2,649
State Farm $1,556 $1,556 $1,409 $1,409 $4,930 $6,231 $1,764 $2,026
Travelers $1,728 $1,824 $1,605 $1,711 $5,321 $6,791 $1,825 $1,922
USAA $1,614 $1,639 $1,502 $1,477 $5,246 $5,777 $2,123 $2,329

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Minimum Car Insurance in Richmond, IL

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

Minimum Required Car Insurance Coverage in Richmond, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Richmond, IL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Richmond, Illinois

Insurance Company Poor Fair Good
Allstate $6,908 $4,983 $4,368
American Family $4,771 $3,261 $2,763
Farmers $5,504 $4,654 $4,427
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,249 $2,039 $1,622
Nationwide $3,117 $2,525 $2,211
Progressive $4,097 $3,473 $3,211
State Farm $3,793 $2,273 $1,764
Travelers $3,452 $2,803 $2,267
USAA $3,609 $2,483 $2,048

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

Annual Richmond, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,816 $6,642 $6,144 $5,077
American Family $2,644 $3,762 $4,990 $2,998
Farmers $4,102 $5,304 $5,172 $4,869
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,915 $2,731 $2,393 $2,175
Nationwide $2,121 $2,728 $3,195 $2,427
Progressive $2,958 $4,402 $3,279 $3,736
State Farm $2,369 $2,851 $2,610 $2,610
Travelers $2,244 $2,959 $3,337 $2,824
USAA $1,932 $2,782 $3,808 $2,331

Cheapest Richmond, IL Car Insurance for Teen Drivers

Teen car insurance in Richmond, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,027 $11,676
American Family $6,388 $8,804
Farmers $11,381 $11,879
GEICO $5,498 $5,672
Liberty Mutual $4,811 $5,345
Nationwide $4,576 $5,845
Progressive $7,599 $8,513
State Farm $4,930 $6,231
Travelers $5,321 $6,791
USAA $5,246 $5,777

Cheapest Richmond, IL Car Insurance for Seniors

Take a look at Richmond, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,601 $3,601
American Family $2,037 $2,037
Farmers $2,246 $2,384
GEICO $1,474 $1,647
Liberty Mutual $1,146 $1,279
Nationwide $1,500 $1,582
Progressive $1,711 $1,797
State Farm $1,409 $1,409
Travelers $1,605 $1,711
USAA $1,502 $1,477

Cheapest Richmond, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,144
American Family $4,990
Farmers $5,172
GEICO $3,833
Liberty Mutual $2,393
Nationwide $3,195
Progressive $3,279
State Farm $2,610
Travelers $3,337
USAA $3,808

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Cheapest Richmond, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,420 $5,420
American Family $3,553 $3,644
Farmers $4,862 $4,862
GEICO $2,571 $2,658
Liberty Mutual $2,303 $2,303
Nationwide $2,618 $2,618
Progressive $3,594 $3,594
State Farm $2,543 $2,677
Travelers $2,728 $2,953
USAA $2,637 $2,789

The Best Cheap Car Insurance Companies in Richmond, IL

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

Average Annual Car Insurance Rates by Company in Richmond, Illinois

Insurance Company Average Annual Rates
Allstate $5,420
American Family $3,598
Farmers $4,862
GEICO $2,614
Liberty Mutual $2,303
Nationwide $2,618
Progressive $3,594
State Farm $2,610
Travelers $2,841
USAA $2,713

Category Winners: Cheapest Car Insurance in Richmond, Illinois

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

Best Annual Car Insurance Rates by Company in Richmond, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

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Cheapest Richmond, IL 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, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Richmond, Illinois

Insurance Company Low Medium High
Allstate $5,213 $5,414 $5,632
American Family $3,447 $3,731 $3,617
Farmers $4,605 $4,736 $5,245
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,182 $2,299 $2,429
Nationwide $2,576 $2,643 $2,633
Progressive $3,285 $3,572 $3,923
State Farm $2,437 $2,614 $2,778
Travelers $2,623 $2,837 $3,063
USAA $2,528 $2,711 $2,902

What affects car insurance rates in Richmond, Illinois?

What factors can have an impact on Richmond, IL 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, Illinois.

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, IL is 33.3 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, IL traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, IL

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

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