Richmond, CA Car Insurance

The typical auto insurance policy costs $174 per month in Richmond. If you're paying too much, compare rates today.

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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.

 
CAR INSURANCE: RICHMOND RATES VS. STATE + NATIONAL AVERAGES
Richmond Average (annual)California AverageU.S. Average
$2,091$1,868$1,548
 
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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 insurance in Richmond. Don't forget to get car insurance quotes based on your unique driving profile.

 
RICHMOND CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$1,393
AAA$1,575
Mercury$1,731
CSAA$2,185
Allstate$2,239

 

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.

 
RICHMOND CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage 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.

 
RICHMOND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage 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.

 
AVERAGE RICHMOND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage 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. 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.