Compare Richmond, OH Car Insurance Rates (2021)

Car insurance in Richmond, OH averages $238 a month. Richmond, Ohio 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, OH.

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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 is American Family
  • The cheapest car insurance company in Richmond for teen drivers is American Family
  • Average car insurance rates in Richmond, OH are $2,860/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Richmond, Ohio car insurance rates to Cincinnati car insurance rates, Dayton car insurance rates, and Cleveland car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, OH car insurance rates? Every Richmond, Ohio 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, Ohio

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 $2,214 $2,214 $1,981 $2,122 $6,026 $6,899 $2,348 $2,524
American Family $954 $991 $868 $873 $2,901 $3,153 $1,178 $1,241
Farmers $1,734 $1,728 $1,530 $1,610 $7,397 $7,662 $1,942 $2,037
GEICO $1,398 $1,355 $1,299 $1,301 $3,716 $3,462 $1,556 $1,325
Liberty Mutual $1,996 $2,182 $1,538 $1,870 $10,098 $11,420 $2,134 $2,337
Nationwide $2,139 $2,157 $1,923 $1,946 $5,252 $6,826 $2,301 $2,694
Progressive $2,023 $1,906 $1,679 $1,738 $9,043 $10,199 $2,422 $2,509
State Farm $1,467 $1,467 $1,306 $1,306 $4,479 $5,630 $1,702 $1,952
Travelers $1,436 $1,458 $1,422 $1,415 $6,131 $9,682 $1,494 $1,714
USAA $1,118 $1,128 $1,057 $1,060 $3,465 $3,870 $1,506 $1,635

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Minimum Car Insurance in Richmond, OH

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

Minimum Required Car Insurance Coverage in Richmond, Ohio

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, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, OH. 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, Ohio

Insurance Company Poor Fair Good
Allstate $4,236 $3,069 $2,568
American Family $2,016 $1,377 $1,166
Farmers $3,640 $3,060 $2,914
GEICO $2,311 $1,927 $1,542
Liberty Mutual $6,026 $3,678 $2,886
Nationwide $3,806 $3,068 $2,591
Progressive $4,420 $3,824 $3,575
State Farm $3,440 $2,126 $1,676
Travelers $3,462 $3,010 $2,810
USAA $2,420 $1,701 $1,444

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

Annual Richmond, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,780 $3,348 $3,903 $3,133
American Family $1,456 $1,541 $1,541 $1,541
Farmers $2,644 $3,399 $3,315 $3,462
GEICO $1,315 $1,888 $2,708 $1,795
Liberty Mutual $3,533 $4,516 $4,627 $4,112
Nationwide $2,515 $3,217 $4,099 $2,788
Progressive $3,395 $4,620 $3,616 $4,128
State Farm $2,205 $2,622 $2,414 $2,414
Travelers $2,281 $2,968 $4,476 $2,650
USAA $1,423 $1,908 $2,510 $1,578

Cheapest Richmond, OH Car Insurance for Teen Drivers

Teen car insurance in Richmond, OH 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, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,026 $6,899
American Family $2,901 $3,153
Farmers $7,397 $7,662
GEICO $3,716 $3,462
Liberty Mutual $10,098 $11,420
Nationwide $5,252 $6,826
Progressive $9,043 $10,199
State Farm $4,479 $5,630
Travelers $6,131 $9,682
USAA $3,465 $3,870

Cheapest Richmond, OH Car Insurance for Seniors

Take a look at Richmond, OH 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, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,981 $2,122
American Family $868 $873
Farmers $1,530 $1,610
GEICO $1,299 $1,301
Liberty Mutual $1,538 $1,870
Nationwide $1,923 $1,946
Progressive $1,679 $1,738
State Farm $1,306 $1,306
Travelers $1,422 $1,415
USAA $1,057 $1,060

Cheapest Richmond, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,903
American Family $1,541
Farmers $3,315
GEICO $2,708
Liberty Mutual $4,627
Nationwide $4,099
Progressive $3,616
State Farm $2,414
Travelers $4,476
USAA $2,510

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Cheapest Richmond, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,291 $3,291
American Family $1,502 $1,538
Farmers $3,205 $3,205
GEICO $1,892 $1,961
Liberty Mutual $4,197 $4,197
Nationwide $3,155 $3,155
Progressive $3,940 $3,940
State Farm $2,355 $2,472
Travelers $3,094 $3,094
USAA $1,784 $1,926

The Best Cheap Car Insurance Companies in Richmond, OH

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

Average Annual Car Insurance Rates by Company in Richmond, Ohio

Insurance Company Average Annual Rates
Allstate $3,291
American Family $1,520
Farmers $3,205
GEICO $1,927
Liberty Mutual $4,197
Nationwide $3,155
Progressive $3,940
State Farm $2,414
Travelers $3,094
USAA $1,855

Category Winners: Cheapest Car Insurance in Richmond, Ohio

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

Best Annual Car Insurance Rates by Company in Richmond, Ohio

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

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

Annual Car Insurance Rates by Coverage Level in Richmond, Ohio

Insurance Company Low Medium High
Allstate $3,198 $3,285 $3,390
American Family $1,497 $1,532 $1,532
Farmers $3,054 $3,160 $3,400
GEICO $1,871 $1,919 $1,990
Liberty Mutual $4,048 $4,217 $4,327
Nationwide $3,495 $3,057 $2,912
Progressive $3,778 $3,906 $4,135
State Farm $2,306 $2,420 $2,515
Travelers $3,011 $3,136 $3,136
USAA $1,783 $1,854 $1,929

What affects car insurance rates in Richmond, Ohio?

What factors can have an impact on Richmond, OH 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, Ohio.

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, OH is 29.7 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, OH traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, OH

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

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