Best Cheap Auto Insurance in Richmond, IL (2021)

The average Richmond, IL auto insurance rates are $276 per month. The minimum auto insurance in Richmond is at least 25/50/20 in coverage to comply with Illinois auto insurance laws. To find the best cheap auto insurance in Richmond, Illinois, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Richmond is 33.3 minutes
  • The minimum auto insurance required in Richmond, Illinois is 25/50/20
  • Average auto insurance rates in Richmond, IL for senior drivers are $1,858 per year

Richmond, Illinois auto insurance requirements are 25/50/20 according to Illinois auto insurance laws. Finding cheap auto insurance in Richmond can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Richmond, Illinois, including driving record, credit, commute time, and more.

Compare auto insurance in Richmond to other Illinois cities, including Elgin auto insurance rates, Joliet auto insurance rates, and Champaign auto insurance rates to see how Richmond, Illinois auto insurance rates stack up.

Before you buy Richmond, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Richmond, Illinois auto insurance quotes.

Minimum Auto Insurance in Richmond, Illinois

Richmond, Illinois auto insurance laws require that you have at least the Illinois minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Richmond, Illinois.

Minimum Required Auto Insurance Coverage in Richmond, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Richmond, Illinois Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Richmond, Illinois are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

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 $3,431 $3,447 $3,601 $3,601 $9,027 $11,676 $4,123 $4,452
American Family $2,218 $2,218 $2,037 $2,037 $6,388 $8,804 $2,218 $2,866
Farmers $2,542 $2,540 $2,246 $2,384 $11,381 $11,879 $2,903 $3,019
GEICO $1,508 $1,549 $1,474 $1,647 $5,498 $5,672 $1,752 $1,814
Liberty Mutual $1,384 $1,490 $1,146 $1,279 $4,811 $5,345 $1,448 $1,524
Nationwide $1,678 $1,702 $1,500 $1,582 $4,576 $5,845 $1,952 $2,107
Progressive $2,070 $1,947 $1,711 $1,797 $7,599 $8,513 $2,462 $2,649
State Farm $1,556 $1,556 $1,409 $1,409 $4,930 $6,231 $1,764 $2,026
Travelers $1,728 $1,824 $1,605 $1,711 $5,321 $6,791 $1,825 $1,922
USAA $1,614 $1,639 $1,502 $1,477 $5,246 $5,777 $2,123 $2,329

Cheap Richmond, Illinois Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Richmond, Illinois is a challenge. Take a look at the annual teen auto insurance rates in Richmond, Illinois.

Annual Auto Insurance Rates for Teen Drivers in Richmond, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,027 $11,676
American Family $6,388 $8,804
Farmers $11,381 $11,879
GEICO $5,498 $5,672
Liberty Mutual $4,811 $5,345
Nationwide $4,576 $5,845
Progressive $7,599 $8,513
State Farm $4,930 $6,231
Travelers $5,321 $6,791
USAA $5,246 $5,777

Cheap Richmond, Illinois Auto Insurance for Seniors

What are senior auto insurance rates in Richmond, Illinois? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Richmond, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,601 $3,601
American Family $2,037 $2,037
Farmers $2,246 $2,384
GEICO $1,474 $1,647
Liberty Mutual $1,146 $1,279
Nationwide $1,500 $1,582
Progressive $1,711 $1,797
State Farm $1,409 $1,409
Travelers $1,605 $1,711
USAA $1,502 $1,477

Cheap Richmond, Illinois Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Richmond, Illinois compared to the annual auto insurance rates with a clean record in Richmond, Illinois.

Annual Richmond, Illinois Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,816 $6,642 $6,144 $5,077
American Family $2,644 $3,762 $4,990 $2,998
Farmers $4,102 $5,304 $5,172 $4,869
GEICO $1,750 $2,820 $3,833 $2,053
Liberty Mutual $1,915 $2,731 $2,393 $2,175
Nationwide $2,121 $2,728 $3,195 $2,427
Progressive $2,958 $4,402 $3,279 $3,736
State Farm $2,369 $2,851 $2,610 $2,610
Travelers $2,244 $2,959 $3,337 $2,824
USAA $1,932 $2,782 $3,808 $2,331

Cheap Richmond, Illinois Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Richmond, Illinois is not easy. Compare the annual rates for DUI auto insurance in Richmond, Illinois to find the best deal.

Annual Auto Insurance Rates After a DUI in Richmond, Illinois

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,144
American Family $4,990
Farmers $5,172
GEICO $3,833
Liberty Mutual $2,393
Nationwide $3,195
Progressive $3,279
State Farm $2,610
Travelers $3,337
USAA $3,808

Cheap Richmond, Illinois Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Richmond, Illinois annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Richmond, Illinois

Insurance Company Poor Fair Good
Allstate $6,908 $4,983 $4,368
American Family $4,771 $3,261 $2,763
Farmers $5,504 $4,654 $4,427
GEICO $4,192 $2,051 $1,599
Liberty Mutual $3,249 $2,039 $1,622
Nationwide $3,117 $2,525 $2,211
Progressive $4,097 $3,473 $3,211
State Farm $3,793 $2,273 $1,764
Travelers $3,452 $2,803 $2,267
USAA $3,609 $2,483 $2,048

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Cheap Richmond, Illinois Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Richmond, Illinois can vary. Compare the annual cost of auto insurance by ZIP code in Richmond, Illinois to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Richmond, Illinois

ZIP Code Average Annual Rates
60071 $3,290

Cheap Richmond, Illinois Auto Insurance Rates By Commute

Commute length and annual mileage affect Richmond, Illinois auto insurance. Find the cheapest annual Richmond, Illinois auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Richmond, Illinois

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,420 $5,420
American Family $3,553 $3,644
Farmers $4,862 $4,862
GEICO $2,571 $2,658
Liberty Mutual $2,303 $2,303
Nationwide $2,618 $2,618
Progressive $3,594 $3,594
State Farm $2,543 $2,677
Travelers $2,728 $2,953
USAA $2,637 $2,789

Cheap Richmond, Illinois Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Richmond, Illinois? Check out the comparison of annual Richmond, Illinois auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Richmond, Illinois

Insurance Company Low Medium High
Allstate $5,213 $5,414 $5,632
American Family $3,447 $3,731 $3,617
Farmers $4,605 $4,736 $5,245
GEICO $2,364 $2,613 $2,866
Liberty Mutual $2,182 $2,299 $2,429
Nationwide $2,576 $2,643 $2,633
Progressive $3,285 $3,572 $3,923
State Farm $2,437 $2,614 $2,778
Travelers $2,623 $2,837 $3,063
USAA $2,528 $2,711 $2,902

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Best By Category: Cheapest Auto Insurance in Richmond, Illinois

Compare the cheapest auto insurance companies in Richmond, Illinois in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Richmond, Illinois

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Nationwide
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

The Cheapest Richmond, Illinois Auto Insurance Companies

What auto insurance companies in Richmond, Illinois are the cheapest? Compare the top Richmond, Illinois auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Richmond, Illinois

Insurance Company Average Annual Rates
Allstate $5,420
American Family $3,598
Farmers $4,862
GEICO $2,614
Liberty Mutual $2,303
Nationwide $2,618
Progressive $3,594
State Farm $2,610
Travelers $2,841
USAA $2,713

What affects auto insurance rates in Richmond, Illinois?

There are a lot of reasons why auto insurance rates in Richmond, Illinois are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richmond, Illinois. Many local factors may affect your Richmond auto insurance rates.

Richmond Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Richmond, Illinois commute length is 33.3 minutes according to City-Data.

Richmond Traffic

How does Richmond, Illinois rank for traffic? According to Inrix Richmond, Illinois is the 690th most congested worldwide.

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Compare Richmond, Illinois Auto Insurance Quotes

Before you buy Richmond, Illinois auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Richmond, Illinois auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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