Richmond, CA Car Insurance

The Zebra
July 25, 2019

Car Insurance in Richmond

Understanding premium costs while insuring a vehicle in Richmond is crucial because premiums in California are recognized for being expensive. They are generally 20% higher than the national average. Let’s get started on how to save on car insurance in Richmond.

  • City Average: $1,845
  • State Average: $1,713
  • National Average: $1,427

Richmond Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your premiums? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving charge in Richmond need to spend nearly triple the average for the city to insure their vehicle. Nobody plans on getting into an accident, but things happen, so be aware of the effect one can have on your rates. In Richmond, individuals who are found at-fault in an accident spend 58% more than the city average on car insurance each year.

  • DUI: $5,243
  • Reckless Driving: $5,243
  • At-fault Accident (damages less than $1000): $2,912
  • At-fault Accident (damages greater than $2000): $2,912
  • Speeding Ticket (16-20 mph over speed limit): $2,515

Richmond Car Insurance by Gender and Marital Status

Car insurance premiums in Richmond are affected by driver attributes such as gender and marital status. However, premiums for men and women normally only deviate a bit, with women paying less. Individuals who are single spend roughly $80 more per year compared to those who are married. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,842
  • Male: $1,845
  • Single: $1,845
  • Married: $1,764
  • Divorced: $1,845
  • Widowed: $1,772

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Richmond Car Insurance by Age

When you look across all age groups, drivers in their 60s tend to have the lowest insurance rates. Their rates typically average $1,569 per year. However, those in their 50s ($1,616) have premiums that aren't much higher. With average car insurance payments of $6,912, teenage drivers have the highest rates of any age group. When drivers reach their 20s in Richmond, therefore moving out of the teenage age range, they pay 61% less in premiums. It is the largest gap between any age group. While car insurance premiums for drivers will continue to decrease through their 60s, they should anticipate a change when they turn 70.

  • Teenagers: $6,912
  • 20s: $2,718
  • 30s: $1,809
  • 40s: $1,747
  • 50s: $1,616
  • 60s: $1,569
  • 70s: $1,742

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.