Compare Richmond, MN Car Insurance Rates (2021)

Car insurance in Richmond, MN averages $371 a month. Richmond, Minnesota car insurance requirements are 30/60/10, 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, MN.

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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, MN are $4,455/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Richmond, Minnesota car insurance rates to Duluth car insurance rates, St. Cloud car insurance rates, and St. Paul car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, MN car insurance rates? Every Richmond, Minnesota 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, Minnesota

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 $3,062 $3,062 $2,942 $2,942 $6,903 $9,988 $3,720 $3,911
American Family $2,344 $2,344 $2,122 $2,122 $6,383 $9,279 $2,344 $2,650
Farmers $2,150 $2,144 $2,071 $2,186 $6,128 $6,160 $2,806 $2,716
GEICO $2,791 $2,768 $2,666 $2,591 $5,874 $7,453 $2,614 $2,712
Liberty Mutual $8,952 $8,952 $8,863 $8,863 $17,660 $26,524 $8,952 $12,481
Nationwide $1,986 $1,996 $1,766 $1,876 $5,038 $6,127 $2,328 $2,421
State Farm $1,466 $1,466 $1,305 $1,305 $3,164 $3,904 $1,695 $1,400
USAA $1,896 $1,873 $1,730 $1,726 $4,968 $5,411 $2,463 $2,611

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Minimum Car Insurance in Richmond, MN

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

Minimum Required Car Insurance Coverage in Richmond, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Richmond, MN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, MN. 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, Minnesota

Insurance Company Poor Fair Good
Allstate $6,702 $3,627 $3,369
American Family $5,039 $3,356 $2,701
Farmers $4,129 $2,977 $2,780
GEICO $4,422 $3,616 $3,012
Liberty Mutual $17,646 $11,407 $8,915
Nationwide $3,501 $2,822 $2,504
State Farm $2,862 $1,750 $1,277
USAA $4,423 $2,183 $1,898

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

Annual Richmond, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,337 $4,815 $5,761 $4,352
American Family $2,492 $4,449 $5,030 $2,825
Farmers $2,816 $3,559 $3,615 $3,191
GEICO $2,445 $3,887 $5,782 $2,620
Liberty Mutual $9,312 $12,745 $18,523 $10,043
Nationwide $2,331 $3,100 $3,571 $2,767
State Farm $1,807 $2,119 $1,963 $1,963
USAA $2,110 $2,682 $4,033 $2,514

Cheapest Richmond, MN Car Insurance for Teen Drivers

Teen car insurance in Richmond, MN 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, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,903 $9,988
American Family $6,383 $9,279
Farmers $6,128 $6,160
GEICO $5,874 $7,453
Liberty Mutual $17,660 $26,524
Nationwide $5,038 $6,127
State Farm $3,164 $3,904
USAA $4,968 $5,411

Cheapest Richmond, MN Car Insurance for Seniors

Take a look at Richmond, MN 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, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,942 $2,942
American Family $2,122 $2,122
Farmers $2,071 $2,186
GEICO $2,666 $2,591
Liberty Mutual $8,863 $8,863
Nationwide $1,766 $1,876
State Farm $1,305 $1,305
USAA $1,730 $1,726

Cheapest Richmond, MN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,761
American Family $5,030
Farmers $3,615
GEICO $5,782
Liberty Mutual $18,523
Nationwide $3,571
State Farm $1,963
USAA $4,033

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Cheapest Richmond, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,566 $4,566
American Family $3,655 $3,742
Farmers $3,295 $3,295
GEICO $3,634 $3,733
Liberty Mutual $12,283 $13,028
Nationwide $2,942 $2,942
State Farm $1,910 $2,016
USAA $2,797 $2,872

The Best Cheap Car Insurance Companies in Richmond, MN

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

Average Annual Car Insurance Rates by Company in Richmond, Minnesota

Insurance Company Average Annual Rates
Allstate $4,566
American Family $3,699
Farmers $3,295
GEICO $3,683
Liberty Mutual $12,656
Nationwide $2,942
State Farm $1,963
USAA $2,835

Category Winners: Cheapest Car Insurance in Richmond, Minnesota

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

Best Annual Car Insurance Rates by Company in Richmond, Minnesota

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

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

Annual Car Insurance Rates by Coverage Level in Richmond, Minnesota

Insurance Company Low Medium High
Allstate $4,502 $4,563 $4,633
American Family $3,694 $3,801 $3,601
Farmers $3,167 $3,309 $3,410
GEICO $3,563 $3,682 $3,805
Liberty Mutual $12,350 $12,666 $12,951
Nationwide $2,785 $2,962 $3,080
State Farm $1,879 $1,970 $2,039
USAA $2,752 $2,833 $2,919

What affects car insurance rates in Richmond, Minnesota?

What factors can have an impact on Richmond, MN 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, Minnesota.

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, MN is 22.1 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, MN traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, MN

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

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