Compare Richmond, KY Car Insurance Rates (2021)

Car insurance in Richmond, KY averages $329 a month. Richmond, Kentucky 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, KY.

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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, KY after a DUI are $4,719/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, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Richmond, KY is right here.

You’ll find Richmond car insurance rates, the cheapest Richmond, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Richmond, Kentucky car insurance rates to Florence car insurance rates, Richmond car insurance rates, and Hopkinsville car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, KY car insurance rates? Every Richmond, Kentucky 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, Kentucky

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 $3,013 $2,961 $2,742 $2,921 $11,657 $13,090 $3,291 $3,459
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,430 $2,622 $2,059 $2,294 $10,979 $12,142 $2,533 $2,623
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $1,967 $1,858 $1,777 $1,779 $9,849 $11,135 $2,435 $2,478
State Farm $1,629 $1,629 $1,458 $1,458 $4,645 $5,916 $1,814 $1,995
Travelers $1,775 $1,803 $1,756 $1,758 $8,554 $13,724 $1,860 $2,111
USAA $1,533 $1,527 $1,399 $1,410 $4,102 $4,299 $1,913 $2,078

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Minimum Car Insurance in Richmond, KY

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

Minimum Required Car Insurance Coverage in Richmond, Kentucky

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, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, KY. 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, Kentucky

Insurance Company Poor Fair Good
Allstate $7,127 $4,942 $4,106
GEICO $6,508 $3,249 $2,117
Liberty Mutual $6,706 $4,154 $3,270
Nationwide $5,260 $4,162 $3,616
Progressive $4,625 $4,060 $3,794
State Farm $3,695 $2,247 $1,762
Travelers $4,633 $3,942 $3,928
USAA $3,376 $1,910 $1,562

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

Annual Richmond, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,427 $5,837 $6,273 $5,030
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $3,916 $6,053 $4,702 $4,170
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,439 $5,107 $3,921 $4,172
State Farm $2,359 $2,777 $2,568 $2,568
Travelers $3,639 $3,739 $5,398 $3,894
USAA $1,729 $2,428 $2,895 $2,079

Cheapest Richmond, KY Car Insurance for Teen Drivers

Teen car insurance in Richmond, KY 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, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,657 $13,090
GEICO $6,635 $7,852
Liberty Mutual $10,979 $12,142
Nationwide $7,042 $8,761
Progressive $9,849 $11,135
State Farm $4,645 $5,916
Travelers $8,554 $13,724
USAA $4,102 $4,299

Cheapest Richmond, KY Car Insurance for Seniors

Take a look at Richmond, KY 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, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,742 $2,921
GEICO $3,309 $2,996
Liberty Mutual $2,059 $2,294
Nationwide $2,775 $2,893
Progressive $1,777 $1,779
State Farm $1,458 $1,458
Travelers $1,756 $1,758
USAA $1,399 $1,410

Cheapest Richmond, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,273
GEICO $6,360
Liberty Mutual $4,702
Nationwide $5,633
Progressive $3,921
State Farm $2,568
Travelers $5,398
USAA $2,895

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Cheapest Richmond, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,392 $5,392
GEICO $3,921 $3,995
Liberty Mutual $4,710 $4,710
Nationwide $4,346 $4,346
Progressive $4,160 $4,160
State Farm $2,502 $2,634
Travelers $4,168 $4,168
USAA $2,198 $2,367

The Best Cheap Car Insurance Companies in Richmond, KY

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

Average Annual Car Insurance Rates by Company in Richmond, Kentucky

Insurance Company Average Annual Rates
Allstate $5,392
GEICO $3,958
Liberty Mutual $4,710
Nationwide $4,346
Progressive $4,160
State Farm $2,568
Travelers $4,168
USAA $2,283

Category Winners: Cheapest Car Insurance in Richmond, Kentucky

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

Best Annual Car Insurance Rates by Company in Richmond, Kentucky

Category Insurance Company
Teenagers USAA
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, KY 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, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Richmond, Kentucky

Insurance Company Low Medium High
Allstate $4,999 $5,370 $5,807
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,478 $4,681 $4,972
Nationwide $4,367 $4,301 $4,370
Progressive $3,830 $4,111 $4,538
State Farm $2,375 $2,564 $2,765
Travelers $3,933 $4,188 $4,383
USAA $2,158 $2,276 $2,414

What affects car insurance rates in Richmond, Kentucky?

What factors can have an impact on Richmond, KY 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, Kentucky.

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, KY is 20.2 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, KY traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, KY

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

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