Best Cheap Auto Insurance in Richmond, KY (2021)

The average Richmond, KY auto insurance rates are $329 per month. The minimum auto insurance in Richmond is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Richmond, Kentucky, 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: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Richmond, Kentucky is 25/50/25
  • The most expensive auto insurance company in Richmond for teen drivers is Allstate
  • Average auto insurance rates in Richmond, KY for senior drivers are $2,174 per year

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

Compare auto insurance in Richmond to other Kentucky cities, including Hopkinsville auto insurance rates, Owensboro auto insurance rates, and George auto insurance rates to see how Richmond, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Richmond, Kentucky

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

Minimum Required Auto Insurance Coverage in Richmond, Kentucky

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, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Richmond, Kentucky 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, Kentucky

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 $3,013 $2,961 $2,742 $2,921 $11,657 $13,090 $3,291 $3,459
GEICO $3,159 $2,921 $3,309 $2,996 $6,635 $7,852 $2,575 $2,215
Liberty Mutual $2,430 $2,622 $2,059 $2,294 $10,979 $12,142 $2,533 $2,623
Nationwide $3,068 $3,067 $2,775 $2,893 $7,042 $8,761 $3,493 $3,668
Progressive $1,967 $1,858 $1,777 $1,779 $9,849 $11,135 $2,435 $2,478
State Farm $1,629 $1,629 $1,458 $1,458 $4,645 $5,916 $1,814 $1,995
Travelers $1,775 $1,803 $1,756 $1,758 $8,554 $13,724 $1,860 $2,111
USAA $1,533 $1,527 $1,399 $1,410 $4,102 $4,299 $1,913 $2,078

Cheap Richmond, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richmond, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,657 $13,090
GEICO $6,635 $7,852
Liberty Mutual $10,979 $12,142
Nationwide $7,042 $8,761
Progressive $9,849 $11,135
State Farm $4,645 $5,916
Travelers $8,554 $13,724
USAA $4,102 $4,299

Cheap Richmond, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,742 $2,921
GEICO $3,309 $2,996
Liberty Mutual $2,059 $2,294
Nationwide $2,775 $2,893
Progressive $1,777 $1,779
State Farm $1,458 $1,458
Travelers $1,756 $1,758
USAA $1,399 $1,410

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

Annual Richmond, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,427 $5,837 $6,273 $5,030
GEICO $2,370 $4,198 $6,360 $2,904
Liberty Mutual $3,916 $6,053 $4,702 $4,170
Nationwide $3,469 $4,468 $5,633 $3,813
Progressive $3,439 $5,107 $3,921 $4,172
State Farm $2,359 $2,777 $2,568 $2,568
Travelers $3,639 $3,739 $5,398 $3,894
USAA $1,729 $2,428 $2,895 $2,079

Cheap Richmond, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richmond, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,273
GEICO $6,360
Liberty Mutual $4,702
Nationwide $5,633
Progressive $3,921
State Farm $2,568
Travelers $5,398
USAA $2,895

Cheap Richmond, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Richmond, Kentucky

Insurance Company Poor Fair Good
Allstate $7,127 $4,942 $4,106
GEICO $6,508 $3,249 $2,117
Liberty Mutual $6,706 $4,154 $3,270
Nationwide $5,260 $4,162 $3,616
Progressive $4,625 $4,060 $3,794
State Farm $3,695 $2,247 $1,762
Travelers $4,633 $3,942 $3,928
USAA $3,376 $1,910 $1,562

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Cheap Richmond, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richmond, Kentucky

ZIP Code Average Annual Rates
40475 $3,553

Cheap Richmond, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richmond, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,392 $5,392
GEICO $3,921 $3,995
Liberty Mutual $4,710 $4,710
Nationwide $4,346 $4,346
Progressive $4,160 $4,160
State Farm $2,502 $2,634
Travelers $4,168 $4,168
USAA $2,198 $2,367

Cheap Richmond, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Kentucky

Insurance Company Low Medium High
Allstate $4,999 $5,370 $5,807
GEICO $3,693 $3,940 $4,241
Liberty Mutual $4,478 $4,681 $4,972
Nationwide $4,367 $4,301 $4,370
Progressive $3,830 $4,111 $4,538
State Farm $2,375 $2,564 $2,765
Travelers $3,933 $4,188 $4,383
USAA $2,158 $2,276 $2,414

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Best By Category: Cheapest Auto Insurance in Richmond, Kentucky

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

Best Annual Auto Insurance Rates by Company in Richmond, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Richmond, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Kentucky

Insurance Company Average Annual Rates
Allstate $5,392
GEICO $3,958
Liberty Mutual $4,710
Nationwide $4,346
Progressive $4,160
State Farm $2,568
Travelers $4,168
USAA $2,283

What affects auto insurance rates in Richmond, Kentucky?

There are a lot of reasons why auto insurance rates in Richmond, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richmond, Kentucky. 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, Kentucky commute length is 20.2 minutes according to City-Data.

Richmond Traffic

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

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Compare Richmond, Kentucky Auto Insurance Quotes

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