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Get Cheap Car Insurance in Point Richmond, Richmond, CA
We monitor insurance prices, helping the average driver in Point Richmond save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Point Richmond
The chart below shows the cheapest car insurance company in Point Richmond for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Point Richmond Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Point Richmond Driver
Based on our extensive insurance data, we know the average Point Richmond driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $702 per year by choosing the right vehicle insurance company. Some Point Richmond residents are paying out over $2,196 extra every year for auto insurance in Point Richmond. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Point Richmond, Richmond, CA Savings / Yr. |
|---|---|
$702 |
|
$1,286 |
|
$1,017 |
|
$1,787 |
|
$918 |
|
$398 |
|
$0 |
Point Richmond Car Insurance vs. Richmond
People living in Point Richmond pay an average of 9.36% more than the typical driver in the state. The average driver in Point Richmond can expect to pay about $1,028 per year, or $2,196 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Point Richmond for most people.
Car Insurance Prices by Point Richmond Neighborhood
Insurance Prices
Where is insurance cheapest within Point Richmond?
The map shows insurance prices in and around Point Richmond, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $111 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,265 to a low of $2,154. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Point Richmond.Pick the Best Car Insurance Company for You in Point Richmond
The best car insurance provider for most drivers in Point Richmond
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $702 over the average Point Richmond car insurance company.
The best car insurance provider for Point Richmond drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,286 over the competition.
The best car insurance company for Point Richmond drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,017 better than other car insurance companies.
The best auto insurance for Point Richmond drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,787 less each year.
The least expensive car insurance company for new and young drivers in Point Richmond
In Point Richmond, State Farm costs young drivers $918 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Point Richmond
Progressive gave the largest car insurance discounts to married couples, averaging $398 saved each year compared to an average Point Richmond couple's premiums.
The cheapest car insurance in Point Richmond for drivers with bad credit
The best Point Richmond car insurance company for customer service
Nationwide was the best company for customer service in Point Richmond according to the NAIC.
Recent price drops
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The cheapest large national provider in Point Richmond
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Point Richmond driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Point Richmond, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Point Richmond
What Influences the Cost of Car Insurance in Point Richmond?
On average, car insurance in Point Richmond is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Point Richmond is 43 minutes, which is far more than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Point Richmond are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Point Richmond is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Point Richmond is $86 per month for minimum coverage and $183 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Atchison Woods: Insurance costs 9.24% more
- Coronado: Insurance costs 9.52% more
- Iron Triangle: Insurance costs 9.47% more
- Belding Woods: Insurance costs 7.47% more
- Cortez-Stege: Insurance costs 9.79% more
- North and East: Insurance costs 4.28% more
- East Richmond: Insurance costs 0.87% more
- Richmond Annex: Insurance costs 0.09% less
- Fairmede-Hilltop: Insurance costs 8.38% more
- Northwest Berkeley: Insurance costs 0.82% less
Neighborhoods with Similar Populations
- Southwood: Insurance costs 35.20% less
- Holly Hills: Insurance costs 5.37% less
- Jefferson: Insurance costs 7.51% more
- Lake Park: Insurance costs 26.18% less
- South Abbott: Insurance costs 7.01% more
- South Flagstaff: Insurance costs 18.58% less
- South Park: Insurance costs 12.70% less
- South Wedge: Insurance costs 11.52% more
- Southern Orchards: Insurance costs 34.47% less
- Southwest Quadrant: Insurance costs 40.80% less