Buy Cheap Richmond, IN Auto Insurance (2021)

Richmond, IN auto insurance rates average $260 a month. Minimum auto insurance requirements in Richmond, Indiana are 25/50/25 to comply with Indiana laws. To buy cheap auto insurance in Richmond, IN, 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 ...

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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, IN are $260/month
  • Average auto insurance rates in Richmond, IN after a DUI are $3,706/year
  • Average auto insurance rates in Richmond, IN for teens drivers are $6,093/year

Finding affordable Richmond, Indiana auto insurance can be challenging, but everything you need to know to buy cheap Richmond, IN 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, IN car insurance rates compare to Indianapolis auto insurance rates, Fishers auto insurance rates, and Bloomington auto insurance rates before you read more about the cost of auto insurance in Richmond.

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

Richmond, IN Minimum Auto Insurance Requirements

The required auto insurance in Richmond, IN is 25/50/25 according to the auto insurance laws in Indiana. The minimum auto insurance in Richmond, Indiana is outlined here.

Minimum Required Auto Insurance Coverage in Richmond, Indiana

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

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Find Cheap Richmond, IN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Richmond, IN. Take a look at Richmond, Indiana auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Richmond, Indiana

Insurance Company Poor Fair Good
Allstate $4,500 $3,354 $3,051
American Family $4,970 $3,229 $2,702
Farmers $4,024 $3,278 $3,035
GEICO $2,413 $2,007 $1,602
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,724 $2,304 $2,154
Progressive $3,882 $3,440 $3,244
State Farm $3,356 $2,002 $1,552
Travelers $3,519 $2,980 $2,977
USAA $1,943 $1,277 $1,093

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

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

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

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 $2,247 $2,299 $1,979 $2,165 $6,911 $8,729 $2,275 $2,469
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,589 $1,569 $1,366 $1,526 $8,319 $8,886 $2,072 $2,239
GEICO $1,362 $1,359 $1,280 $1,327 $4,040 $3,755 $1,562 $1,375
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,483 $1,518 $1,303 $1,391 $4,277 $5,551 $1,735 $1,897
Progressive $1,500 $1,419 $1,361 $1,369 $8,819 $9,915 $1,878 $1,917
State Farm $1,404 $1,404 $1,253 $1,253 $4,311 $5,512 $1,554 $1,735
Travelers $1,150 $1,169 $1,082 $1,079 $7,064 $11,100 $1,218 $1,408
USAA $919 $905 $852 $859 $2,544 $2,852 $1,240 $1,329

Buy Cheap Richmond, IN 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, IN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Richmond, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,911 $8,729
American Family $6,259 $9,073
Farmers $8,319 $8,886
GEICO $4,040 $3,755
Liberty Mutual $8,383 $12,656
Nationwide $4,277 $5,551
Progressive $8,819 $9,915
State Farm $4,311 $5,512
Travelers $7,064 $11,100
USAA $2,544 $2,852

Buy Cheap Richmond, IN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,979 $2,165
American Family $2,048 $2,048
Farmers $1,366 $1,526
GEICO $1,280 $1,327
Liberty Mutual $3,522 $3,522
Nationwide $1,303 $1,391
Progressive $1,361 $1,369
State Farm $1,253 $1,253
Travelers $1,082 $1,079
USAA $852 $859

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

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Indiana

Insurance Company Low Medium High
Allstate $3,451 $3,620 $3,833
American Family $3,603 $3,754 $3,544
Farmers $3,324 $3,440 $3,573
GEICO $1,887 $2,001 $2,134
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,438 $2,375 $2,371
Progressive $3,332 $3,469 $3,766
State Farm $2,197 $2,302 $2,410
Travelers $3,104 $3,188 $3,184
USAA $1,392 $1,434 $1,487

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Find Cheap Richmond, IN 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, IN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Richmond, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,635 $3,635
American Family $3,590 $3,677
Farmers $3,446 $3,446
GEICO $1,974 $2,041
Liberty Mutual $5,455 $5,752
Nationwide $2,394 $2,394
Progressive $3,522 $3,522
State Farm $2,239 $2,368
Travelers $3,159 $3,159
USAA $1,419 $1,457

Find Cheap Richmond, IN Auto Insurance Rates by Driving Record

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

Annual Richmond, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,903 $4,261 $3,926 $3,447
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,091 $3,590 $3,693 $3,408
GEICO $1,315 $2,074 $2,823 $1,818
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,062 $2,652 $2,544 $2,320
Progressive $2,645 $4,623 $3,152 $3,669
State Farm $2,248 $2,469 $2,248 $2,248
Travelers $2,681 $3,318 $3,759 $2,876
USAA $1,087 $1,544 $1,773 $1,346

Find Cheap Richmond, IN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Richmond, Indiana 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, IN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Richmond, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,926
American Family $5,054
Farmers $3,693
GEICO $2,823
Liberty Mutual $8,085
Nationwide $2,544
Progressive $3,152
State Farm $2,248
Travelers $3,759
USAA $1,773

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

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

Best Annual Auto Insurance Rates by Company in Richmond, Indiana

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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Find Cheap Richmond, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Indiana

Insurance Company Average Annual Rates
Allstate $3,635
American Family $3,634
Farmers $3,446
GEICO $2,007
Liberty Mutual $5,604
Nationwide $2,394
Progressive $3,522
State Farm $2,303
Travelers $3,159
USAA $1,438

What affects Richmond, Indiana auto insurance rates?

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

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, IN is 28.1 minutes according to City-Data.

Traffic in Richmond

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

Compare Auto Insurance Quotes in Richmond, IN

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

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