Why you can trust The Zebra
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 Average||U.S. Average|
Jump to Richmond auto insurance rates by:
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.
RICHMOND CAR INSURANCE RATES BY COMPANY
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.
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 group||Average Annual Rate|
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 Status||Average Yearly Rate|
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/Violation||Average Yearly Rate|
|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|
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.
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 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.