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Get Cheap Car Insurance in Richland County, OH

We monitor insurance prices, helping the average driver in Richland County save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Richland County

The chart below shows the cheapest car insurance company in Richland County 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 State Farm, followed by Safeco Insurance, Travelers, and Mile Auto.

 
Richland County Insurer Monthly Cost
State Farm $45
Safeco Insurance $48
Travelers $48
Mile Auto $50

Savings for Every Kind of Richland County Driver

The table shows how much the average auto insurance customer in Richland County might save by following our recommendations.

Based on our extensive insurance data, we know the average Richland County driver will save about 26% 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, credit score, marital status, and age. The average driver will find themselves saving $294 per year by choosing the right vehicle insurance company. Some Richland County residents are paying out over $1,114 extra every year for auto insurance in Richland County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Richland County, OH Savings / Yr.
Drivers with good records
$294
Drivers with accidents
$500
Drivers with speeding tickets
$423
Drivers with a DUI conviction
$452
Young drivers
$1,081
Married drivers
$307
Drivers with bad credit
$431

Richland County Car Insurance vs. Ohio

People living in Richland County pay an average of 0.91% less than the typical driver in the state. The average driver in Richland County can expect to pay about $752 per year, or $1,114 for full coverage.

Based on our analysis, Mile Auto will be the cheapest provider in Richland County for most people.

Car Insurance Prices by Richland County Neighborhood

Richland County, OH map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Richland County?

The map shows insurance prices in and around Richland County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $222 per year within the county boundaries, with insurance premiums ranging from a high of $1,276 to a low of $1,054. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Richland County.

Pick the Best Car Insurance Company for You in Richland County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Richland County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Richland County

For drivers with clean driving records and no major strikes, Mile Auto is the best option, with annual savings of $294 over the average Richland County car insurance company.

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We use the average good driver, paying $68 per month, as our baseline for pricing in Richland County. Mile Auto, Clearcover, and Gainsco are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Richland County drivers with accidents on their records

In Richland County getting into an accident will raise premiums an average 38% for a yearly cost of $1,794. That's $680 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Gainsco, and Mile Auto are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $500 over the competition.

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The best car insurance company for Richland County drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $423 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Richland County, tickets raise premiums on new quotes about $480. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Gainsco for savings that beat the average insurance cost of $1,593 per year.

The best auto insurance for Richland County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,644 per year in auto insurance premiums, which was $530 more than a driver with no major issues. Gainsco, Mile Auto, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $452 less each year.

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The least expensive car insurance company for new and young drivers in Richland County

In Richland County, Geico costs young drivers $1,081 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Richland County. With an average cost of $3,896 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Richland County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $48. State Farm, Geico, and Progressive provided the largest discounts to couples living in Richland County.

State Farm gave the largest car insurance discounts to married couples, averaging $307 saved each year compared to an average Richland County couple's premiums.

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The cheapest car insurance in Richland County for drivers with bad credit

People with poor credit saved an average of $431 with Clearcover.

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Many people are surprised that their poor credit score can cost them an average of $570 every year. Premiums for people with poor credit were about $1,684 in Richland County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Clearcover.

The best Richland County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Richland County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Richland County.

Nationwide was the best company for customer service in Richland County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Richland County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Richland County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Richland County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Richland County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Richland County driver can expect to pay about $76 per month.

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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 Richland County, USAA has the best prices for young drivers, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Richland County

What Influences the Cost of Car Insurance in Richland County?

On average, car insurance in Richland County is actually less expensive than the rest of the state. These low 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 county are influenced by the following factors:

  • The average commute time in Richland County is 27 minutes, which is a little less than average for a driver in the state.
  • Ohio state insurance regulations may allow for lower prices.
  • An average of 13 to 14 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Richland County are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Richland County is a lightly populated area in the state. The county’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Richland County is $63 per month for minimum coverage and $93 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 Counties

Counties with Similar Populations

* Who is the average Richland County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Richland County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.