Best Cheap Auto Insurance in Richmond, MA (2021)

The average Richmond, MA auto insurance rates are $209 per month. The minimum auto insurance in Richmond is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Richmond, Massachusetts, 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

  • Average auto insurance rates in Richmond, MA for senior drivers are $1,564 per year
  • The minimum auto insurance required in Richmond, Massachusetts is 20/40/5
  • The cheapest auto insurance company in Richmond is State Farm

Richmond, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts 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, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Richmond to other Massachusetts cities, including Worcester auto insurance rates, Lynn auto insurance rates, and New Bedford auto insurance rates to see how Richmond, Massachusetts auto insurance rates stack up.

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

Minimum Auto Insurance in Richmond, Massachusetts

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

Minimum Required Auto Insurance Coverage in Richmond, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Auto insurance rates in Richmond, Massachusetts 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, Massachusetts

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 $1,805 $1,805 $1,805 $1,805 $6,389 $6,389 $2,019 $2,019
GEICO $1,585 $1,585 $1,457 $1,457 $4,691 $4,691 $1,639 $1,639
Liberty Mutual $2,218 $2,218 $1,934 $1,934 $7,380 $7,380 $2,319 $2,319
Progressive $1,908 $1,908 $1,830 $1,830 $7,114 $7,114 $2,069 $2,069
State Farm $740 $740 $740 $740 $2,110 $2,110 $740 $740
Travelers $2,323 $2,323 $2,065 $2,065 $4,644 $4,644 $2,559 $2,559
USAA $1,133 $1,133 $1,117 $1,117 $2,604 $2,604 $1,251 $1,251

Cheap Richmond, Massachusetts Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richmond, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,389 $6,389
GEICO $4,691 $4,691
Liberty Mutual $7,380 $7,380
Progressive $7,114 $7,114
State Farm $2,110 $2,110
Travelers $4,644 $4,644
USAA $2,604 $2,604

Cheap Richmond, Massachusetts Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,805 $1,805
GEICO $1,457 $1,457
Liberty Mutual $1,934 $1,934
Progressive $1,830 $1,830
State Farm $740 $740
Travelers $2,065 $2,065
USAA $1,117 $1,117

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

Annual Richmond, Massachusetts Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,337 $3,453 $3,889 $2,337
GEICO $1,878 $2,573 $2,943 $1,978
Liberty Mutual $2,733 $3,719 $4,485 $2,914
Progressive $2,722 $3,816 $3,035 $3,349
State Farm $859 $1,166 $1,388 $918
Travelers $2,272 $3,117 $3,333 $2,869
USAA $1,092 $1,412 $2,381 $1,219

Cheap Richmond, Massachusetts Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richmond, Massachusetts

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,889
GEICO $2,943
Liberty Mutual $4,485
Progressive $3,035
State Farm $1,388
Travelers $3,333
USAA $2,381

Cheap Richmond, Massachusetts Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richmond, Massachusetts

ZIP Code Average Annual Rates
1254 $2,507

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Cheap Richmond, Massachusetts Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richmond, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,909 $3,099
GEICO $2,297 $2,389
Liberty Mutual $3,327 $3,598
Progressive $3,230 $3,230
State Farm $1,058 $1,108
Travelers $2,761 $3,034
USAA $1,484 $1,568

Cheap Richmond, Massachusetts Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Massachusetts

Insurance Company Low Medium High
Allstate $2,788 $3,052 $3,172
GEICO $2,166 $2,385 $2,477
Liberty Mutual $3,248 $3,507 $3,633
Progressive $2,976 $3,295 $3,419
State Farm $990 $1,101 $1,157
Travelers $2,628 $2,954 $3,111
USAA $1,418 $1,551 $1,609

Best By Category: Cheapest Auto Insurance in Richmond, Massachusetts

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

Best Annual Auto Insurance Rates by Company in Richmond, Massachusetts

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

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The Cheapest Richmond, Massachusetts Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Massachusetts

Insurance Company Average Annual Rates
Allstate $3,004
GEICO $2,343
Liberty Mutual $3,463
Progressive $3,230
State Farm $1,083
Travelers $2,898
USAA $1,526

What affects auto insurance rates in Richmond, Massachusetts?

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

Richmond Traffic

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

Compare Richmond, Massachusetts Auto Insurance Quotes

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