Compare Richmond, IN Car Insurance Rates (2021)

Car insurance in Richmond, IN averages $260 a month. Richmond, Indiana car insurance requirements are 25/50/25, 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, IN.

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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

  • Average car insurance rates in Richmond, IN after a DUI are $3,706/year
  • The cheapest car insurance company in Richmond is USAA
  • Average car insurance rates in Richmond, IN are $3,114/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Richmond, Indiana car insurance rates to Carmel car insurance rates, Evansville car insurance rates, and Indianapolis car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, IN car insurance rates? Every Richmond, Indiana 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, Indiana

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 $2,247 $2,299 $1,979 $2,165 $6,911 $8,729 $2,275 $2,469
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,589 $1,569 $1,366 $1,526 $8,319 $8,886 $2,072 $2,239
GEICO $1,362 $1,359 $1,280 $1,327 $4,040 $3,755 $1,562 $1,375
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,483 $1,518 $1,303 $1,391 $4,277 $5,551 $1,735 $1,897
Progressive $1,500 $1,419 $1,361 $1,369 $8,819 $9,915 $1,878 $1,917
State Farm $1,404 $1,404 $1,253 $1,253 $4,311 $5,512 $1,554 $1,735
Travelers $1,150 $1,169 $1,082 $1,079 $7,064 $11,100 $1,218 $1,408
USAA $919 $905 $852 $859 $2,544 $2,852 $1,240 $1,329

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Minimum Car Insurance in Richmond, IN

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

Minimum Required Car Insurance Coverage in Richmond, Indiana

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, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $4,500 $3,354 $3,051
American Family $4,970 $3,229 $2,702
Farmers $4,024 $3,278 $3,035
GEICO $2,413 $2,007 $1,602
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,724 $2,304 $2,154
Progressive $3,882 $3,440 $3,244
State Farm $3,356 $2,002 $1,552
Travelers $3,519 $2,980 $2,977
USAA $1,943 $1,277 $1,093

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

Annual Richmond, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,903 $4,261 $3,926 $3,447
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,091 $3,590 $3,693 $3,408
GEICO $1,315 $2,074 $2,823 $1,818
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,062 $2,652 $2,544 $2,320
Progressive $2,645 $4,623 $3,152 $3,669
State Farm $2,248 $2,469 $2,248 $2,248
Travelers $2,681 $3,318 $3,759 $2,876
USAA $1,087 $1,544 $1,773 $1,346

Cheapest Richmond, IN Car Insurance for Teen Drivers

Teen car insurance in Richmond, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,911 $8,729
American Family $6,259 $9,073
Farmers $8,319 $8,886
GEICO $4,040 $3,755
Liberty Mutual $8,383 $12,656
Nationwide $4,277 $5,551
Progressive $8,819 $9,915
State Farm $4,311 $5,512
Travelers $7,064 $11,100
USAA $2,544 $2,852

Cheapest Richmond, IN Car Insurance for Seniors

Take a look at Richmond, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,979 $2,165
American Family $2,048 $2,048
Farmers $1,366 $1,526
GEICO $1,280 $1,327
Liberty Mutual $3,522 $3,522
Nationwide $1,303 $1,391
Progressive $1,361 $1,369
State Farm $1,253 $1,253
Travelers $1,082 $1,079
USAA $852 $859

Cheapest Richmond, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,926
American Family $5,054
Farmers $3,693
GEICO $2,823
Liberty Mutual $8,085
Nationwide $2,544
Progressive $3,152
State Farm $2,248
Travelers $3,759
USAA $1,773

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Cheapest Richmond, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,635 $3,635
American Family $3,590 $3,677
Farmers $3,446 $3,446
GEICO $1,974 $2,041
Liberty Mutual $5,455 $5,752
Nationwide $2,394 $2,394
Progressive $3,522 $3,522
State Farm $2,239 $2,368
Travelers $3,159 $3,159
USAA $1,419 $1,457

The Best Cheap Car Insurance Companies in Richmond, IN

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

Average Annual Car Insurance Rates by Company in Richmond, Indiana

Insurance Company Average Annual Rates
Allstate $3,635
American Family $3,634
Farmers $3,446
GEICO $2,007
Liberty Mutual $5,604
Nationwide $2,394
Progressive $3,522
State Farm $2,303
Travelers $3,159
USAA $1,438

Category Winners: Cheapest Car Insurance in Richmond, Indiana

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

Best Annual Car Insurance Rates by Company in Richmond, Indiana

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

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

Annual Car Insurance Rates by Coverage Level in Richmond, Indiana

Insurance Company Low Medium High
Allstate $3,451 $3,620 $3,833
American Family $3,603 $3,754 $3,544
Farmers $3,324 $3,440 $3,573
GEICO $1,887 $2,001 $2,134
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,438 $2,375 $2,371
Progressive $3,332 $3,469 $3,766
State Farm $2,197 $2,302 $2,410
Travelers $3,104 $3,188 $3,184
USAA $1,392 $1,434 $1,487

What affects car insurance rates in Richmond, Indiana?

What factors can have an impact on Richmond, IN 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, Indiana.

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, IN is 28.1 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, IN traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, IN

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

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Average Monthly Car Insurance Rates by State