Compare Richmond, VT Car Insurance Rates (2021)

Car insurance in Richmond, VT averages $267 a month. Richmond, Vermont car insurance requirements are 25/50/10, 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, VT.

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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, VT are $3,203/year
  • The cheapest car insurance company in Richmond is USAA
  • Average car insurance rates in Richmond, VT after a DUI are $3,641/year

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

You’ll find Richmond car insurance rates, the cheapest Richmond, VT car insurance companies, and information on Vermont car insurance laws. You can also compare Richmond, Vermont car insurance rates to Montpelier car insurance rates, Rutland car insurance rates, and Essex Junction car insurance rates.

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

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

How do age, gender, and marital status affect Richmond, VT car insurance rates? Every Richmond, Vermont 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, Vermont

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 $2,334 $2,334 $2,228 $2,228 $5,553 $7,311 $2,647 $2,905
GEICO $1,683 $1,564 $1,654 $1,507 $3,845 $4,483 $1,419 $1,390
Liberty Mutual $1,868 $2,020 $1,650 $1,852 $7,933 $8,821 $2,139 $2,266
Nationwide $1,414 $1,440 $1,272 $1,343 $3,435 $4,368 $1,621 $1,745
Progressive $3,319 $3,284 $2,974 $2,985 $10,323 $11,296 $3,391 $3,606
State Farm $2,563 $2,563 $2,288 $2,288 $7,549 $9,698 $2,855 $3,171
USAA $1,128 $1,133 $1,054 $1,049 $3,632 $3,797 $1,542 $1,611

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Minimum Car Insurance in Richmond, VT

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

Minimum Required Car Insurance Coverage in Richmond, Vermont

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Richmond, VT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richmond, VT. 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, Vermont

Insurance Company Poor Fair Good
Allstate $4,222 $3,223 $2,883
GEICO $3,548 $1,868 $1,163
Liberty Mutual $5,341 $3,055 $2,309
Nationwide $2,399 $1,992 $1,849
Progressive $5,909 $4,960 $4,573
State Farm $7,250 $3,092 $2,024
USAA $2,698 $1,612 $1,294

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

Annual Richmond, Vermont Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,854 $3,778 $3,884 $3,254
GEICO $1,411 $2,350 $3,272 $1,739
Liberty Mutual $3,140 $3,756 $3,987 $3,392
Nationwide $1,667 $2,137 $2,684 $1,831
Progressive $4,337 $6,285 $4,873 $5,094
State Farm $3,752 $4,492 $4,122 $4,122
USAA $1,425 $1,797 $2,668 $1,584

Cheapest Richmond, VT Car Insurance for Teen Drivers

Teen car insurance in Richmond, VT 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, Vermont

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,553 $7,311
GEICO $3,845 $4,483
Liberty Mutual $7,933 $8,821
Nationwide $3,435 $4,368
Progressive $10,323 $11,296
State Farm $7,549 $9,698
USAA $3,632 $3,797

Cheapest Richmond, VT Car Insurance for Seniors

Take a look at Richmond, VT 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, Vermont

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,228 $2,228
GEICO $1,654 $1,507
Liberty Mutual $1,650 $1,852
Nationwide $1,272 $1,343
Progressive $2,974 $2,985
State Farm $2,288 $2,288
USAA $1,054 $1,049

Cheapest Richmond, VT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Vermont

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,884
GEICO $3,272
Liberty Mutual $3,987
Nationwide $2,684
Progressive $4,873
State Farm $4,122
USAA $2,668

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Cheapest Richmond, VT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richmond, Vermont

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,375 $3,511
GEICO $2,162 $2,224
Liberty Mutual $3,569 $3,569
Nationwide $2,080 $2,080
Progressive $5,147 $5,147
State Farm $3,991 $4,253
USAA $1,846 $1,891

The Best Cheap Car Insurance Companies in Richmond, VT

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

Average Annual Car Insurance Rates by Company in Richmond, Vermont

Insurance Company Average Annual Rates
Allstate $3,443
GEICO $2,193
Liberty Mutual $3,569
Nationwide $2,080
Progressive $5,147
State Farm $4,122
USAA $1,868

Category Winners: Cheapest Car Insurance in Richmond, Vermont

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

Best Annual Car Insurance Rates by Company in Richmond, Vermont

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

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

Annual Car Insurance Rates by Coverage Level in Richmond, Vermont

Insurance Company Low Medium High
Allstate $3,361 $3,438 $3,529
GEICO $2,114 $2,194 $2,271
Liberty Mutual $3,366 $3,559 $3,781
Nationwide $2,131 $2,087 $2,022
Progressive $4,885 $5,082 $5,475
State Farm $3,901 $4,142 $4,323
USAA $1,808 $1,866 $1,931

What affects car insurance rates in Richmond, Vermont?

What factors can have an impact on Richmond, VT 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, Vermont.

Car Theft in Richmond

High levels of vehicle theft can make car insurance more expensive. Richmond, VT car theft statistics from the FBI indicate 1,168 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, VT is 20.7 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, VT traffic data from INRIX ranks Richmond as the 690th-most congested in the world.

Compare Car Insurance Quotes in Richmond, VT

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

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