Best Cheap Auto Insurance in Richmond, LA (2021)

The average Richmond, LA auto insurance rates are $407 per month. The minimum auto insurance in Richmond is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Richmond, Louisiana, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The cheapest auto insurance company in Richmond is State Farm
  • The most expensive auto insurance company in Richmond for teen drivers is Progressive
  • The average commute length in Richmond is 14.2 minutes

Richmond, Louisiana auto insurance requirements are 15/30/25 according to Louisiana 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, Louisiana, including driving record, credit, commute time, and more.

Compare auto insurance in Richmond to other Louisiana cities, including Lafayette auto insurance rates, Kenner auto insurance rates, and Bossier City auto insurance rates to see how Richmond, Louisiana auto insurance rates stack up.

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

Minimum Auto Insurance in Richmond, Louisiana

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

Minimum Required Auto Insurance Coverage in Richmond, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Richmond, Louisiana 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, Louisiana

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 $4,011 $4,011 $4,136 $4,136 $8,830 $11,169 $4,439 $4,817
GEICO $2,930 $3,377 $3,439 $4,159 $11,099 $11,819 $2,853 $2,811
Progressive $3,202 $2,997 $2,681 $2,880 $13,004 $14,477 $3,689 $3,822
State Farm $2,236 $2,236 $2,035 $2,035 $6,434 $8,074 $2,488 $2,799
USAA $2,490 $2,453 $2,411 $2,400 $7,454 $8,779 $3,080 $3,386

Cheap Richmond, Louisiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richmond, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,830 $11,169
GEICO $11,099 $11,819
Progressive $13,004 $14,477
State Farm $6,434 $8,074
USAA $7,454 $8,779

Cheap Richmond, Louisiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,136 $4,136
GEICO $3,439 $4,159
Progressive $2,681 $2,880
State Farm $2,035 $2,035
USAA $2,411 $2,400

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

Annual Richmond, Louisiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,514 $6,860 $6,109 $5,291
GEICO $3,615 $5,841 $7,146 $4,641
Progressive $4,866 $6,547 $6,269 $5,694
State Farm $3,261 $3,824 $3,542 $3,542
USAA $3,092 $4,284 $5,161 $3,690

Cheap Richmond, Louisiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richmond, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,109
GEICO $7,146
Progressive $6,269
State Farm $3,542
USAA $5,161

Cheap Richmond, Louisiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Richmond, Louisiana

Insurance Company Poor Fair Good
Allstate $7,497 $5,125 $4,458
GEICO $6,316 $5,482 $4,135
Progressive $6,601 $5,661 $5,270
State Farm $4,913 $3,161 $2,553
USAA $5,616 $3,574 $2,980

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Richmond, Louisiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richmond, Louisiana

ZIP Code Average Annual Rates
71282 $4,568

Cheap Richmond, Louisiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richmond, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,694 $5,694
GEICO $5,210 $5,411
Progressive $5,844 $5,844
State Farm $3,453 $3,631
USAA $3,933 $4,180

Cheap Richmond, Louisiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Louisiana

Insurance Company Low Medium High
Allstate $4,968 $5,795 $6,318
GEICO $4,545 $5,329 $6,059
Progressive $5,017 $5,802 $6,713
State Farm $3,119 $3,534 $3,974
USAA $3,573 $4,112 $4,484

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Richmond, Louisiana

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

Best Annual Auto Insurance Rates by Company in Richmond, Louisiana

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

The Cheapest Richmond, Louisiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Louisiana

Insurance Company Average Annual Rates
Allstate $5,694
GEICO $5,311
Progressive $5,844
State Farm $3,542
USAA $4,056

What affects auto insurance rates in Richmond, Louisiana?

There are a lot of reasons why auto insurance rates in Richmond, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richmond, Louisiana. 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, Louisiana auto theft statistics, there have been 0 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, Louisiana commute length is 14.2 minutes according to City-Data.

Richmond Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Richmond, Louisiana Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption