Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Richmond, CA
We monitor insurance prices, helping the average driver in Richmond save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Richmond
The chart below shows the cheapest car insurance company in 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.
| Richmond Insurer | Monthly Cost |
|---|---|
| Metromile | $58 |
| Geico | $66 |
| Progressive | $70 |
| Travelers | $73 |
Savings for Every Kind of Richmond Driver
Based on our extensive insurance data, we know the average 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 $742 per year by choosing the right vehicle insurance company. Some Richmond residents are paying out over $2,319 extra every year for auto insurance in Richmond. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Richmond, CA Savings / Yr. |
|---|---|
$742 |
|
$1,358 |
|
$1,074 |
|
$1,887 |
|
$969 |
|
$420 |
|
$0 |
Richmond Car Insurance vs. California
People living in Richmond pay an average of 15.50% more than the typical driver in the state. The average driver in Richmond can expect to pay about $1,086 per year, or $2,319 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Richmond for most people.
Car Insurance Prices by Richmond Neighborhood
Insurance Prices
Where is insurance cheapest within Richmond?
The map shows insurance prices in and around Richmond, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $640 per year within the city boundaries, with insurance premiums ranging from a high of $2,684 to a low of $2,044. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Richmond.Pick the Best Car Insurance Company for You in Richmond
The best car insurance provider for most drivers in Richmond
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $742 over the average Richmond car insurance company.
The best car insurance provider for 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 $1,358 over the competition.
The best car insurance company for Richmond drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,074 better than other car insurance companies.
The best auto insurance for Richmond drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,887 less each year.
The least expensive car insurance company for new and young drivers in Richmond
In Richmond, State Farm costs young drivers $969 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Richmond
Progressive gave the largest car insurance discounts to married couples, averaging $420 saved each year compared to an average Richmond couple's premiums.
The cheapest car insurance in Richmond for drivers with bad credit
The best Richmond car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Richmond, which was better than other insurers.
The cheapest large national provider in Richmond
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average 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 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 Richmond
What Influences the Cost of Car Insurance in Richmond?
On average, car insurance in 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 city are influenced by the following factors:
- The average commute time in Richmond is 42 minutes, which is a little more than average for a driver in the state.
- 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 Richmond are among the lowest 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.
- Richmond 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 Richmond is $90 per month for minimum coverage and $193 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
- North Richmond: Insurance costs 1.51% less
- El Cerrito: Insurance costs 6.30% less
- San Pablo: Insurance costs 0.99% less
- El Sobrante: Insurance costs 6.21% less
- Albany: Insurance costs 8.71% less
- Pinole: Insurance costs 6.30% less
- Berkeley: Insurance costs 7.68% less
- Hercules: Insurance costs 6.47% less
- Orinda Village: Insurance costs 14.58% less
- Emeryville: Insurance costs 1.42% more
Cities with Similar Populations
- Medford: Insurance costs 36.96% less
- Mechanicsburg: Insurance costs 45.67% less
- Memphis: Insurance costs 34.07% less
- Melbourne: Insurance costs 8.28% more
- Merced: Insurance costs 10.65% less
- Meridian: Insurance costs 53.17% less
- Metairie: Insurance costs 42.48% more
- Mesquite: Insurance costs 15.09% less
- Modesto: Insurance costs 9.10% less
- Mission: Insurance costs 19.28% less