Compare Richmond, UT Car Insurance Rates (2021)

Car insurance in Richmond, UT averages $294 a month. Richmond, Utah car insurance requirements are 25/65/15, 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, UT.

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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, UT after a DUI are $3,991/year
  • Average car insurance rates in Richmond, UT are $3,525/year
  • The cheapest car insurance company in Richmond is USAA

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

You’ll find Richmond car insurance rates, the cheapest Richmond, UT car insurance companies, and information on Utah car insurance laws. You can also compare Richmond, Utah car insurance rates to Ogden car insurance rates, West Valley City car insurance rates, and Salt Lake City car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, UT car insurance rates? Every Richmond, Utah 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, Utah

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 $2,100 $1,951 $1,905 $1,905 $6,383 $7,106 $2,233 $2,220
American Family $1,979 $1,979 $1,815 $1,815 $7,096 $9,328 $1,979 $2,345
Farmers $2,092 $2,069 $1,850 $1,967 $8,751 $9,019 $2,364 $2,445
GEICO $1,888 $2,097 $2,066 $2,393 $5,587 $5,959 $1,639 $1,647
Liberty Mutual $2,381 $2,563 $1,972 $2,198 $9,313 $10,346 $2,512 $2,669
Nationwide $1,864 $1,887 $1,666 $1,755 $5,056 $6,433 $2,153 $2,308
Progressive $2,299 $2,139 $1,884 $2,003 $9,424 $10,503 $2,659 $2,800
State Farm $2,757 $2,757 $2,508 $2,508 $8,477 $10,539 $3,127 $3,587
USAA $1,352 $1,329 $1,214 $1,215 $4,700 $5,495 $1,645 $1,797

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Minimum Car Insurance in Richmond, UT

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

Minimum Required Car Insurance Coverage in Richmond, Utah

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$65,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Richmond, UT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, UT. 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, Utah

Insurance Company Poor Fair Good
Allstate $4,316 $2,892 $2,468
American Family $4,451 $3,337 $2,838
Farmers $4,369 $3,635 $3,455
GEICO $4,433 $2,456 $1,839
Liberty Mutual $6,053 $3,733 $2,947
Nationwide $3,575 $2,706 $2,389
Progressive $4,760 $4,082 $3,799
State Farm $7,376 $3,713 $2,509
USAA $3,359 $2,142 $1,530

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

Annual Richmond, Utah Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,734 $3,288 $3,807 $3,071
American Family $2,928 $3,646 $4,307 $3,286
Farmers $3,251 $4,225 $4,102 $3,700
GEICO $2,117 $3,282 $3,784 $2,455
Liberty Mutual $3,327 $4,559 $4,910 $4,180
Nationwide $2,296 $3,088 $3,617 $2,560
Progressive $3,567 $5,386 $3,730 $4,172
State Farm $4,119 $4,947 $4,533 $4,533
USAA $1,845 $2,329 $3,133 $2,067

Cheapest Richmond, UT Car Insurance for Teen Drivers

Teen car insurance in Richmond, UT 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, Utah

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,383 $7,106
American Family $7,096 $9,328
Farmers $8,751 $9,019
GEICO $5,587 $5,959
Liberty Mutual $9,313 $10,346
Nationwide $5,056 $6,433
Progressive $9,424 $10,503
State Farm $8,477 $10,539
USAA $4,700 $5,495

Cheapest Richmond, UT Car Insurance for Seniors

Take a look at Richmond, UT 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, Utah

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,905 $1,905
American Family $1,815 $1,815
Farmers $1,850 $1,967
GEICO $2,066 $2,393
Liberty Mutual $1,972 $2,198
Nationwide $1,666 $1,755
Progressive $1,884 $2,003
State Farm $2,508 $2,508
USAA $1,214 $1,215

Cheapest Richmond, UT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Utah

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,807
American Family $4,307
Farmers $4,102
GEICO $3,784
Liberty Mutual $4,910
Nationwide $3,617
Progressive $3,730
State Farm $4,533
USAA $3,133

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Cheapest Richmond, UT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Utah

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,225 $3,225
American Family $3,539 $3,544
Farmers $3,820 $3,820
GEICO $2,859 $2,960
Liberty Mutual $4,175 $4,314
Nationwide $2,890 $2,890
Progressive $4,214 $4,214
State Farm $4,418 $4,647
USAA $2,317 $2,369

The Best Cheap Car Insurance Companies in Richmond, UT

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

Average Annual Car Insurance Rates by Company in Richmond, Utah

Insurance Company Average Annual Rates
Allstate $3,225
American Family $3,542
Farmers $3,820
GEICO $2,910
Liberty Mutual $4,244
Nationwide $2,890
Progressive $4,214
State Farm $4,533
USAA $2,343

Category Winners: Cheapest Car Insurance in Richmond, Utah

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

Best Annual Car Insurance Rates by Company in Richmond, Utah

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, UT 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, UT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Richmond, Utah

Insurance Company Low Medium High
Allstate $3,075 $3,218 $3,382
American Family $3,455 $3,588 $3,582
Farmers $3,506 $3,769 $4,184
GEICO $2,705 $2,898 $3,125
Liberty Mutual $4,032 $4,228 $4,473
Nationwide $3,169 $2,746 $2,756
Progressive $3,842 $4,051 $4,748
State Farm $4,252 $4,545 $4,801
USAA $2,245 $2,344 $2,441

What affects car insurance rates in Richmond, Utah?

What factors can have an impact on Richmond, UT 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, Utah.

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, UT is 21.6 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, UT traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, UT

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

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