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Get Cheap Car Insurance in Richmond, Lehigh Acres, FL
We monitor insurance prices, helping the average driver in Richmond save up to 34.6% 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 Geico, followed by State Farm, Gainsco, and Bristol West.
| Richmond Insurer | Monthly Cost |
|---|---|
| Geico | $134 |
| State Farm | $142 |
| Gainsco | $186 |
| Bristol West | $186 |
Savings for Every Kind of Richmond Driver
Based on our extensive insurance data, we know the average Richmond driver will save about 29% 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 $822 per year by choosing the right vehicle insurance company. Some Richmond residents are paying out over $2,808 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, Lehigh Acres, FL Savings / Yr. |
|---|---|
$822 |
|
$1,206 |
|
$928 |
|
$918 |
|
$2,918 |
|
$797 |
|
$1,162 |
Richmond Car Insurance vs. Lehigh Acres
People living in Richmond pay an average of 6.29% more than the typical driver in the state. The average driver in Richmond can expect to pay about $2,564 per year, or $2,808 for full coverage.
Based on our analysis, Geico 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 $548 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,990 to a low of $2,442. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest 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, Geico is the best option, with annual savings of $822 over the average Richmond car insurance company.
The best car insurance provider for Richmond drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,206 over the competition.
The best car insurance company for Richmond drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $928 better than other car insurance companies.
The best auto insurance for Richmond drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $918 less each year.
The least expensive car insurance company for new and young drivers in Richmond
In Richmond, Geico costs young drivers $2,918 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Richmond
Geico gave the largest car insurance discounts to married couples, averaging $797 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
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The cheapest large national provider in Richmond
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Richmond driver can expect to pay about $156 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 accidents, and drivers with speeding tickets.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 neighborhood are influenced by the following factors:
- The average commute time in Richmond is 45 minutes, which is far more than average for a driver in the city.
- Florida 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 about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- 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 Richmond is $214 per month for minimum coverage and $234 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
- Harris: Insurance costs 4.45% less
- Sunshine: Insurance costs 2.74% more
- Arborwood: Insurance costs 14.85% less
- Tice: Insurance costs 2.74% more
- Winkler Safe Neighborhood: Insurance costs 6.91% less
- Fort Myers Villas: Insurance costs 8.83% less
- Mariner: Insurance costs 10.43% less
- Pelican: Insurance costs 11.75% less
- Orangetree: Insurance costs 14.00% less
- Summit Place in Naples: Insurance costs 12.78% less
Neighborhoods with Similar Populations
- Beverly: Insurance costs 60.43% less
- Wright Area: Insurance costs 28.13% less
- Windsor Park: Insurance costs 28.38% less
- Westside Community Betterment: Insurance costs 35.65% less
- West Sugar Creek: Insurance costs 49.18% less
- Water Catchment Area: Insurance costs 4.52% more
- Walker: Insurance costs 15.06% less
- Village de L'Est: Insurance costs 43.59% more
- Victoria: Insurance costs 24.43% less
- Southside: Insurance costs 43.80% less