Best Cheap Auto Insurance in Richmond, MI (2021)

The average Richmond, MI auto insurance rates are $893 per month. The minimum auto insurance in Richmond is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Richmond, Michigan, 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, MI for senior drivers are $7,085 per year
  • The minimum auto insurance required in Richmond, Michigan is 20/40/10
  • The average commute length in Richmond is 26.7 minutes

Richmond, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Richmond to other Michigan cities, including Warren auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates to see how Richmond, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Richmond, Michigan

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

Minimum Required Auto Insurance Coverage in Richmond, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Richmond, Michigan 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, Michigan

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 $16,785 $16,785 $15,596 $15,596 $41,715 $41,715 $17,683 $17,683
Farmers $4,770 $4,770 $4,443 $4,443 $10,873 $10,873 $5,379 $5,379
GEICO $4,245 $4,245 $4,366 $4,366 $12,082 $12,082 $4,054 $4,054
Liberty Mutual $17,478 $17,478 $17,307 $17,307 $40,779 $40,779 $17,478 $17,478
Nationwide $4,828 $4,828 $4,288 $4,288 $13,055 $13,055 $5,313 $5,313
Progressive $3,636 $3,318 $3,208 $3,647 $13,277 $13,937 $4,217 $3,768
State Farm $7,671 $7,671 $7,142 $7,142 $27,306 $27,306 $9,021 $9,021
Travelers $5,380 $5,380 $4,626 $4,626 $16,180 $16,180 $5,842 $5,842
USAA $2,818 $2,661 $2,651 $2,494 $7,028 $6,669 $3,442 $3,292

Cheap Richmond, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richmond, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,715 $41,715
Farmers $10,873 $10,873
GEICO $12,082 $12,082
Liberty Mutual $40,779 $40,779
Nationwide $13,055 $13,055
Progressive $13,277 $13,937
State Farm $27,306 $27,306
Travelers $16,180 $16,180
USAA $7,028 $6,669

Cheap Richmond, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richmond, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,596 $15,596
Farmers $4,443 $4,443
GEICO $4,366 $4,366
Liberty Mutual $17,307 $17,307
Nationwide $4,288 $4,288
Progressive $3,208 $3,647
State Farm $7,142 $7,142
Travelers $4,626 $4,626
USAA $2,651 $2,494

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

Annual Richmond, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,118 $14,873 $50,181 $15,607
Farmers $5,336 $6,821 $6,727 $6,581
GEICO $2,129 $4,602 $14,025 $3,992
Liberty Mutual $15,941 $19,502 $36,967 $20,633
Nationwide $5,868 $7,875 $7,128 $6,613
Progressive $5,145 $6,855 $6,149 $6,355
State Farm $8,039 $9,690 $21,246 $12,166
Travelers $5,416 $7,736 $12,473 $6,404
USAA $3,116 $3,902 $5,111 $3,399

Cheap Richmond, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richmond, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $50,181
Farmers $6,727
GEICO $14,025
Liberty Mutual $36,967
Nationwide $7,128
Progressive $6,149
State Farm $21,246
Travelers $12,473
USAA $5,111

Cheap Richmond, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Richmond, Michigan

Insurance Company Poor Fair Good
Allstate $34,833 $19,279 $14,723
Farmers $8,363 $5,580 $5,156
GEICO $7,959 $5,847 $4,754
Liberty Mutual $36,823 $21,248 $11,712
Nationwide $8,615 $6,491 $5,506
Progressive $7,109 $5,952 $5,317
State Farm $20,746 $10,490 $7,119
Travelers $8,206 $7,958 $7,858
USAA $5,820 $3,311 $2,514

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Cheap Richmond, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richmond, Michigan

ZIP Code Average Annual Rates
48062 $7,480

Cheap Richmond, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richmond, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,945 $22,945
Farmers $6,366 $6,366
GEICO $6,049 $6,325
Liberty Mutual $22,469 $24,053
Nationwide $6,871 $6,871
Progressive $6,126 $6,126
State Farm $12,440 $13,130
Travelers $7,961 $8,053
USAA $3,837 $3,926

Cheap Richmond, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richmond, Michigan

Insurance Company Low Medium High
Allstate $22,319 $23,001 $23,515
Farmers $6,222 $6,353 $6,523
GEICO $5,769 $6,130 $6,662
Liberty Mutual $22,737 $23,210 $23,835
Nationwide $7,180 $6,758 $6,675
Progressive $5,921 $6,133 $6,324
State Farm $12,131 $12,865 $13,359
Travelers $7,920 $8,016 $8,086
USAA $3,768 $3,891 $3,986

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Best By Category: Cheapest Auto Insurance in Richmond, Michigan

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

Best Annual Auto Insurance Rates by Company in Richmond, Michigan

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

The Cheapest Richmond, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richmond, Michigan

Insurance Company Average Annual Rates
Allstate $22,945
Farmers $6,366
GEICO $6,187
Liberty Mutual $23,261
Nationwide $6,871
Progressive $6,126
State Farm $12,785
Travelers $8,007
USAA $3,882

What affects auto insurance rates in Richmond, Michigan?

There are a lot of reasons why auto insurance rates in Richmond, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richmond, Michigan. 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, Michigan auto theft statistics, there have been 1 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, Michigan commute length is 26.7 minutes according to City-Data.

Richmond Traffic

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

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Compare Richmond, Michigan Auto Insurance Quotes

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