Best Cheap Auto Insurance in Richmond, KS (2021)

The average Richmond, KS auto insurance rates are $276 per month. The minimum auto insurance in Richmond is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Richmond, Kansas, 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 most expensive auto insurance company in Richmond for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Richmond is American Family
  • The average commute length in Richmond is 35.6 minutes

Richmond, Kansas auto insurance requirements are 25/50/25 according to Kansas 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, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Richmond to other Kansas cities, including Salina auto insurance rates, Wichita auto insurance rates, and Manhattan auto insurance rates to see how Richmond, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Richmond, Kansas

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

Minimum Required Auto Insurance Coverage in Richmond, Kansas

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

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

Auto insurance rates in Richmond, Kansas 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, Kansas

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 $2,921 $2,846 $2,594 $2,670 $7,834 $8,726 $3,015 $3,133
American Family $1,591 $1,591 $1,437 $1,437 $3,089 $3,707 $1,591 $1,789
Farmers $2,526 $2,508 $2,257 $2,355 $6,815 $7,056 $2,851 $3,006
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,400 $2,594 $2,276 $2,539 $10,892 $12,164 $2,635 $2,855
Nationwide $1,699 $1,747 $1,516 $1,629 $3,608 $4,415 $1,992 $2,118
Progressive $2,317 $2,213 $1,868 $1,948 $8,471 $9,568 $2,742 $2,942
State Farm $1,765 $1,765 $1,538 $1,538 $4,579 $5,853 $1,981 $2,232
Travelers $1,983 $2,018 $1,936 $1,959 $8,048 $12,563 $2,032 $2,394
USAA $1,280 $1,292 $1,184 $1,180 $4,598 $4,783 $1,699 $1,754

Cheap Richmond, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richmond, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,089 $3,707
Farmers $6,815 $7,056
GEICO $4,439 $5,960
Liberty Mutual $10,892 $12,164
Nationwide $3,608 $4,415
Progressive $8,471 $9,568
State Farm $4,579 $5,853
Travelers $8,048 $12,563
USAA $4,598 $4,783

Cheap Richmond, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,437 $1,437
Farmers $2,257 $2,355
GEICO $2,443 $2,273
Liberty Mutual $2,276 $2,539
Nationwide $1,516 $1,629
Progressive $1,868 $1,948
State Farm $1,538 $1,538
Travelers $1,936 $1,959
USAA $1,184 $1,180

Cheap Richmond, Kansas 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, Kansas compared to the annual auto insurance rates with a clean record in Richmond, Kansas.

Annual Richmond, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,650 $4,252 $4,882 $4,085
American Family $1,992 $2,142 $1,992 $1,992
Farmers $3,094 $3,979 $3,878 $3,735
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,624 $5,432 $5,337 $4,785
Nationwide $1,772 $2,032 $3,540 $2,019
Progressive $3,707 $4,325 $3,869 $4,134
State Farm $2,473 $2,840 $2,657 $2,657
Travelers $2,999 $3,915 $5,395 $4,157
USAA $1,619 $2,199 $3,209 $1,858

Cheap Richmond, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richmond, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,882
American Family $1,992
Farmers $3,878
GEICO $4,922
Liberty Mutual $5,337
Nationwide $3,540
Progressive $3,869
State Farm $2,657
Travelers $5,395
USAA $3,209

Cheap Richmond, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Richmond, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,649 $1,874 $1,564
Farmers $4,328 $3,441 $3,246
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,794 $4,794 $4,794
Nationwide $2,588 $2,295 $2,139
Progressive $4,602 $3,860 $3,564
State Farm $3,868 $2,312 $1,790
Travelers $4,754 $3,874 $3,722
USAA $3,019 $1,997 $1,648

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Cheap Richmond, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richmond, Kansas

ZIP Code Average Annual Rates
66080 $3,498

Cheap Richmond, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richmond, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,217 $4,217
American Family $2,003 $2,055
Farmers $3,672 $3,672
GEICO $3,027 $3,159
Liberty Mutual $4,794 $4,794
Nationwide $2,341 $2,341
Progressive $4,009 $4,009
State Farm $2,591 $2,722
Travelers $4,117 $4,117
USAA $2,159 $2,283

Cheap Richmond, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $2,048 $2,132 $1,908
Farmers $3,528 $3,652 $3,835
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,689 $4,784 $4,910
Nationwide $2,458 $2,315 $2,248
Progressive $3,799 $3,978 $4,249
State Farm $2,566 $2,663 $2,740
Travelers $3,907 $4,124 $4,319
USAA $2,142 $2,216 $2,307

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Best By Category: Cheapest Auto Insurance in Richmond, Kansas

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

Best Annual Auto Insurance Rates by Company in Richmond, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Richmond, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $2,029
Farmers $3,672
GEICO $3,093
Liberty Mutual $4,794
Nationwide $2,341
Progressive $4,009
State Farm $2,657
Travelers $4,117
USAA $2,221

What affects auto insurance rates in Richmond, Kansas?

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

Richmond Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Richmond, Kansas auto theft statistics, there have been 81 auto thefts in the city.

Richmond Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Richmond, Kansas commute length is 35.6 minutes according to City-Data.

Richmond Traffic

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

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Compare Richmond, Kansas Auto Insurance Quotes

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