Compare Richmond, LA Car Insurance Rates (2021)

Car insurance in Richmond, LA averages $407 a month. Richmond, Louisiana car insurance requirements are 15/30/25, 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, LA.

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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 State Farm
  • The cheapest car insurance company in Richmond is State Farm
  • Average car insurance rates in Richmond, LA are $4,889/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Richmond, Louisiana car insurance rates to Shreveport car insurance rates, Houma car insurance rates, and Alexandria car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, LA car insurance rates? Every Richmond, Louisiana 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, Louisiana

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 $4,011 $4,011 $4,136 $4,136 $8,830 $11,169 $4,439 $4,817
GEICO $2,930 $3,377 $3,439 $4,159 $11,099 $11,819 $2,853 $2,811
Progressive $3,202 $2,997 $2,681 $2,880 $13,004 $14,477 $3,689 $3,822
State Farm $2,236 $2,236 $2,035 $2,035 $6,434 $8,074 $2,488 $2,799
USAA $2,490 $2,453 $2,411 $2,400 $7,454 $8,779 $3,080 $3,386

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Minimum Car Insurance in Richmond, LA

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

Minimum Required Car Insurance Coverage in Richmond, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Richmond, LA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, LA. 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, Louisiana

Insurance Company Poor Fair Good
Allstate $7,497 $5,125 $4,458
GEICO $6,316 $5,482 $4,135
Progressive $6,601 $5,661 $5,270
State Farm $4,913 $3,161 $2,553
USAA $5,616 $3,574 $2,980

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

Annual Richmond, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,514 $6,860 $6,109 $5,291
GEICO $3,615 $5,841 $7,146 $4,641
Progressive $4,866 $6,547 $6,269 $5,694
State Farm $3,261 $3,824 $3,542 $3,542
USAA $3,092 $4,284 $5,161 $3,690

Cheapest Richmond, LA Car Insurance for Teen Drivers

Teen car insurance in Richmond, LA 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, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,830 $11,169
GEICO $11,099 $11,819
Progressive $13,004 $14,477
State Farm $6,434 $8,074
USAA $7,454 $8,779

Cheapest Richmond, LA Car Insurance for Seniors

Take a look at Richmond, LA 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, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,136 $4,136
GEICO $3,439 $4,159
Progressive $2,681 $2,880
State Farm $2,035 $2,035
USAA $2,411 $2,400

Cheapest Richmond, LA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,109
GEICO $7,146
Progressive $6,269
State Farm $3,542
USAA $5,161

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Cheapest Richmond, LA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,694 $5,694
GEICO $5,210 $5,411
Progressive $5,844 $5,844
State Farm $3,453 $3,631
USAA $3,933 $4,180

The Best Cheap Car Insurance Companies in Richmond, LA

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

Average Annual Car Insurance Rates by Company in Richmond, Louisiana

Insurance Company Average Annual Rates
Allstate $5,694
GEICO $5,311
Progressive $5,844
State Farm $3,542
USAA $4,056

Category Winners: Cheapest Car Insurance in Richmond, Louisiana

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

Best Annual Car Insurance Rates by Company in Richmond, Louisiana

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

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

Annual Car Insurance Rates by Coverage Level in Richmond, Louisiana

Insurance Company Low Medium High
Allstate $4,968 $5,795 $6,318
GEICO $4,545 $5,329 $6,059
Progressive $5,017 $5,802 $6,713
State Farm $3,119 $3,534 $3,974
USAA $3,573 $4,112 $4,484

What affects car insurance rates in Richmond, Louisiana?

What factors can have an impact on Richmond, LA 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, Louisiana.

Car Theft in Richmond

High levels of vehicle theft can make car insurance more expensive. Richmond, LA car theft statistics from the FBI indicate 0 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, LA is 14.2 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, LA traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, LA

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

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