Buy Cheap Richmond, CA Auto Insurance (2021)

Richmond, CA auto insurance rates average $338 a month. Minimum auto insurance requirements in Richmond, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Richmond, CA, compare Richmond auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Richmond, CA are $338/month
  • Average auto insurance rates in Richmond, CA after a DUI are $5,703/year
  • The most expensive auto insurance company in Richmond is Farmers

Finding affordable Richmond, California auto insurance can be challenging, but everything you need to know to buy cheap Richmond, CA auto insurance with confidence is right here. Auto insurance rates in Richmond are affected by local factors as well as personal ones like your driving record.

See how Richmond, CA car insurance rates compare to San Francisco auto insurance rates, San Jose auto insurance rates, and Long Beach auto insurance rates before you read more about the cost of auto insurance in Richmond.

Don’t buy Richmond, CA auto insurance until you’ve compared rates. Get free Richmond, California auto insurance quotes when you enter your ZIP code above.

Richmond, CA Minimum Auto Insurance Requirements

The required auto insurance in Richmond, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Richmond, California is outlined here.

Minimum Required Auto Insurance Coverage in Richmond, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Richmond, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Richmond, California auto insurance rates? Find out how car insurance rates in Richmond, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Richmond, California

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 $3,167 $3,171 $2,303 $2,328 $8,818 $11,102 $4,066 $4,476
Farmers $2,968 $2,968 $2,666 $2,666 $9,492 $15,652 $3,519 $3,920
GEICO $1,880 $1,882 $1,770 $1,770 $5,722 $5,824 $2,701 $2,764
Liberty Mutual $2,507 $2,382 $2,321 $2,253 $5,528 $5,848 $2,840 $2,851
Nationwide $3,420 $3,267 $2,981 $2,811 $8,693 $9,594 $4,089 $4,047
Progressive $1,910 $1,967 $1,616 $1,923 $5,086 $6,143 $2,755 $2,964
State Farm $3,950 $3,950 $3,527 $3,527 $7,249 $8,981 $4,374 $4,511
Travelers $2,869 $2,781 $2,524 $2,496 $5,938 $6,860 $3,756 $3,682
USAA $2,091 $1,983 $2,040 $2,051 $4,749 $4,798 $2,914 $2,755

Buy Cheap Richmond, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Richmond can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Richmond, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Richmond, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,818 $11,102
Farmers $9,492 $15,652
GEICO $5,722 $5,824
Liberty Mutual $5,528 $5,848
Nationwide $8,693 $9,594
Progressive $5,086 $6,143
State Farm $7,249 $8,981
Travelers $5,938 $6,860
USAA $4,749 $4,798

Buy Cheap Richmond, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Richmond, California by comparing Richmond senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Richmond, CA here.

Annual Auto Insurance Rates for Senior Drivers in Richmond, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,303 $2,328
Farmers $2,666 $2,666
GEICO $1,770 $1,770
Liberty Mutual $2,321 $2,253
Nationwide $2,981 $2,811
Progressive $1,616 $1,923
State Farm $3,527 $3,527
Travelers $2,524 $2,496
USAA $2,040 $2,051

Find Cheap Auto Insurance Rates in Richmond, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Richmond, California auto insurance. Compare Richmond, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Richmond, California

Insurance Company Low Medium High
Allstate $4,669 $4,971 $5,146
Farmers $5,143 $5,518 $5,784
GEICO $2,801 $3,072 $3,244
Liberty Mutual $3,113 $3,344 $3,492
Nationwide $4,392 $4,945 $5,250
Progressive $2,744 $3,133 $3,258
State Farm $4,557 $5,088 $5,381
Travelers $3,421 $3,960 $4,209
USAA $2,684 $2,973 $3,111

Find Cheap Richmond, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Richmond. Compare auto insurance rates in Richmond, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Richmond, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,443 $5,415
Farmers $4,974 $5,988
GEICO $2,761 $3,318
Liberty Mutual $3,045 $3,587
Nationwide $4,293 $5,433
Progressive $2,763 $3,328
State Farm $4,828 $5,189
Travelers $3,466 $4,261
USAA $2,695 $3,150

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Find Cheap Richmond, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Richmond, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Richmond, CA to see how much where you live in Richmond affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Richmond, California

ZIP Code Average Annual Rates
94801 $5,898
94803 $5,369
94804 $5,610
94805 $5,515
94850 $5,473

Find Cheap Richmond, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Richmond, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Richmond, CA, take a look at the average cost for various violations versus rates for a clean driving record in Richmond.

Annual Richmond, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,962 $5,003 $7,858 $3,893
Farmers $4,044 $5,515 $6,885 $5,482
GEICO $2,127 $3,275 $4,117 $2,639
Liberty Mutual $2,878 $3,858 $3,478 $3,049
Nationwide $3,392 $4,347 $7,365 $4,347
Progressive $1,993 $3,386 $3,930 $2,872
State Farm $3,572 $4,261 $8,054 $4,147
Travelers $2,567 $4,190 $4,908 $3,788
USAA $1,940 $2,889 $4,736 $2,126

Find Cheap Richmond, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Richmond, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Richmond for less when you shop around and compare rates from multiple Richmond, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Richmond, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,858
Farmers $6,885
GEICO $4,117
Liberty Mutual $3,478
Nationwide $7,365
Progressive $3,930
State Farm $8,054
Travelers $4,908
USAA $4,736

Winners by Category: Where to Buy Cheap Auto Insurance in Richmond, CA

Compare rates from the cheapest auto insurance companies in Richmond, CA for your needs. Take a look at how Richmond, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Richmond, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Richmond, California Auto Insurance Companies

If you’re looking for the cheapest Richmond, CA auto insurance companies overall, you can compare them here. Find the best price for Richmond, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Richmond, California

Insurance Company Average Annual Rates
Allstate $4,929
Farmers $5,481
GEICO $3,039
Liberty Mutual $3,316
Nationwide $4,863
Progressive $3,045
State Farm $5,009
Travelers $3,863
USAA $2,923

What affects Richmond, California auto insurance rates?

Local factors affect auto insurance rates in Richmond, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Richmond auto insurance rates.

Auto Theft in Richmond

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Richmond, CA auto theft show a total of 1,685 vehicle thefts annually.

Commute Times in Richmond

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Richmond, CA is 35.6 minutes according to City-Data.

Traffic in Richmond

How is traffic in Richmond, California? Inrix data shows that Richmond, CA traffic makes it the 690th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Richmond, CA

You can buy cheap Richmond, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Richmond, California auto insurance quotes from top companies.

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