Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

What is the average cost of car insurance in Richmond?


Car insurance costs an average of $2,091 per year in Richmond. That's more than the average in the state of California ($1,868) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Richmond.

Richmond Average (annual) California Average U.S. Average
$2,091 $1,868 $1,548
Jump to Richmond auto insurance rates by:


Richmond car insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Richmond, GEICO offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable auto insurance in Richmond. Don't forget to get car insurance quotes based on your unique driving profile.

Company Average Yearly Rate
GEICO $1,393
AAA $1,575
Mercury $1,731
CSAA $2,185
Allstate $2,239

Be sure to also check out our list of the best car insurance companies based in part on the results of the The Zebra's Customer Satisfaction Survey.


Richmond car insurance premiums by age

The best age for car insurance rates as a driver in Richmond is your 60s: drivers in this age group pay an average of $1,872 per year. Rates for Richmond drivers in their 50s are also relatively affordable, at just $1,878 per year.

Teen drivers pay Richmond's most expensive auto insurance rates. When drivers hit their 20s in Richmond and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Richmond is $4,607. That's the biggest gap in premiums between any pair of age brackets.

Age group Average Annual Rate
Teenagers $7,707
20s $3,100
30s $2,033
40s $1,964
50s $1,878
60s $1,872
70s $2,173

Learn more about the impact of driver age on car insurance premiums.


Richmond auto insurance costs by marital status and gender


Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Richmond pay $83 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Richmond, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Richmond, California, female drivers pay $3 per year more than do male drivers.

Gender/Marital Status Average Yearly Rate
Female $2,094
Male $2,091
Single $2,008
Married $2,008
Divorced $2,091
Widowed $2,036

Learn more about how gender and marital status have on auto insurance rates.


Richmond car insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Richmond drivers found guilty of reckless driving face insurance rate increases of $3,511 per year, compared to the citywide average. A DUI violation may lead to a $3,384 increase, while a citation for speeding leads to an $860 rate hike.

Incident/Violation Average Yearly Rate
DUI/DWI $5,475
Reckless Driving $5,602
At-fault Accident (damages less than $1,000) $2,101
At-fault Accident (damages greater than $2,000) $3,691
Speeding Ticket (16-20 mph over speed limit) $2,951

Get more info on how a bad driving history can impact your car insurance costs.


Richmond car insurance costs by credit level


In California, car insurance companies aren't allowed to use a driver's credit score to inform their auto insurance rates. 

Compare insurance rates today for free.

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.