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Get Cheap Car Insurance in Richland, TN
We monitor insurance prices, helping the average driver in Richland save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Richland
The chart below shows the cheapest car insurance company in Richland 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 Geico, Farmers Insurance, and Safeco Insurance.
| Richland Insurer | Monthly Cost |
|---|---|
| State Farm | $52 |
| Geico | $58 |
| Farmers Insurance | $59 |
| Safeco Insurance | $59 |
Savings for Every Kind of Richland Driver
Based on our extensive insurance data, we know the average Richland 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 $353 per year by choosing the right vehicle insurance company. Some Richland residents are paying out over $1,385 extra every year for auto insurance in Richland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Richland, TN Savings / Yr. |
|---|---|
$353 |
|
$638 |
|
$471 |
|
$539 |
|
$1,389 |
|
$334 |
|
$578 |
Richland Car Insurance vs. Tennessee
People living in Richland pay an average of 0.41% more than the typical driver in the state. The average driver in Richland can expect to pay about $872 per year, or $1,385 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Richland for most people.
Car Insurance Prices by Richland Neighborhood
Insurance Prices
Where is insurance cheapest within Richland?
The map shows insurance prices in and around Richland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $59 per year within the city boundaries, with insurance premiums ranging from a high of $1,400 to a low of $1,341. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Richland.Pick the Best Car Insurance Company for You in Richland
The best car insurance provider for most drivers in Richland
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $353 over the average Richland car insurance company.
The best car insurance provider for Richland drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $638 over the competition.
The best car insurance company for Richland drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $471 better than other car insurance companies.
The best auto insurance for Richland drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $539 less each year.
The least expensive car insurance company for new and young drivers in Richland
In Richland, State Farm costs young drivers $1,389 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Richland
State Farm gave the largest car insurance discounts to married couples, averaging $334 saved each year compared to an average Richland couple's premiums.
The cheapest car insurance in Richland for drivers with bad credit
The best Richland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Richland
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Richland driver can expect to pay about $95 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 Richland, USAA has the best prices for married couples, good drivers, drivers with accidents, drivers with bad credit, drivers with a DUI conviction, drivers with speeding tickets, and young drivers.Auto Insurance Prices in and Around Richland
What Influences the Cost of Car Insurance in Richland?
On average, car insurance in Richland 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 city are influenced by the following factors:
- The average commute time in Richland is 40 minutes, which is a little more than average for a driver in the state.
- Tennessee state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Richland are about 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 F according to CrimeGrade.org.
- Richland is a lightly populated area in the state. The city’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 is $73 per month for minimum coverage and $115 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 Cities
- Blaine: Insurance costs 1.30% less
- Perrin Hollow: Insurance costs 1.88% less
- Friends Station: Insurance costs 4.40% less
- Mascot: Insurance costs 2.89% less
- Mill Spring: Insurance costs 5.56% less
- Strawberry Plains: Insurance costs 2.96% less
- New Market: Insurance costs 2.17% less
- Powder Springs: Insurance costs 0.14% more
- Plainview: Insurance costs 0.72% more
- Luttrell: Insurance costs 0.58% less
Cities with Similar Populations
- Old Glory: Insurance costs 23.10% more
- Roseburg: Insurance costs 11.55% less
- Rose: Insurance costs 13.36% more
- Rose Bay: Insurance costs 10.04% less
- Roscoe: Insurance costs 64.40% more
- Roper: Insurance costs 12.20% more
- Romine: Insurance costs 50.90% more
- Riverview: Insurance costs 5.05% less
- Oldtown: Insurance costs 8.30% more
- Rosefield: Insurance costs 116.61% more