Compare Richmond, KY Car Insurance Rates [2024]
Car insurance in Richmond, KY averages $329 a month. Richmond, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Richmond car insurance rates, compare quotes from the top car insurance companies in Richmond, KY.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Dec 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Richmond, KY after a DUI are $4,719/year
- The cheapest car insurance company in Richmond for teen drivers is USAA
- The cheapest car insurance company in Richmond is USAA
If you need to buy Richmond, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Richmond, KY is right here.
You’ll find Richmond car insurance rates, the cheapest Richmond, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Richmond, Kentucky car insurance rates to Florence car insurance rates, Richmond car insurance rates, and Hopkinsville car insurance rates.
Ready to find affordable Richmond, KY car insurance today? Enter your ZIP code for fast, free Richmond car insurance quotes.
Cheapest Richmond, KY Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Richmond, KY car insurance rates? Every Richmond, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,013 | $2,961 | $2,742 | $2,921 | $11,657 | $13,090 | $3,291 | $3,459 |
| Geico | $3,159 | $2,921 | $3,309 | $2,996 | $6,635 | $7,852 | $2,575 | $2,215 |
| Liberty Mutual | $2,430 | $2,622 | $2,059 | $2,294 | $10,979 | $12,142 | $2,533 | $2,623 |
| Nationwide | $3,068 | $3,067 | $2,775 | $2,893 | $7,042 | $8,761 | $3,493 | $3,668 |
| Progressive | $1,967 | $1,858 | $1,777 | $1,779 | $9,849 | $11,135 | $2,435 | $2,478 |
| State Farm | $1,629 | $1,629 | $1,458 | $1,458 | $4,645 | $5,916 | $1,814 | $1,995 |
| Travelers | $1,775 | $1,803 | $1,756 | $1,758 | $8,554 | $13,724 | $1,860 | $2,111 |
| USAA | $1,533 | $1,527 | $1,399 | $1,410 | $4,102 | $4,299 | $1,913 | $2,078 |
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Minimum Car Insurance in Richmond, KY
Every driver must carry the minimum car insurance required by the state in Richmond, KY. Take a look at the Kentucky car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Richmond, KY Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Richmond, KY. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Richmond from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,127 | $4,942 | $4,106 |
| Geico | $6,508 | $3,249 | $2,117 |
| Liberty Mutual | $6,706 | $4,154 | $3,270 |
| Nationwide | $5,260 | $4,162 | $3,616 |
| Progressive | $4,625 | $4,060 | $3,794 |
| State Farm | $3,695 | $2,247 | $1,762 |
| Travelers | $4,633 | $3,942 | $3,928 |
| USAA | $3,376 | $1,910 | $1,562 |
Cheapest Richmond, KY Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Richmond, KY to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,427 | $5,837 | $6,273 | $5,030 |
| Geico | $2,370 | $4,198 | $6,360 | $2,904 |
| Liberty Mutual | $3,916 | $6,053 | $4,702 | $4,170 |
| Nationwide | $3,469 | $4,468 | $5,633 | $3,813 |
| Progressive | $3,439 | $5,107 | $3,921 | $4,172 |
| State Farm | $2,359 | $2,777 | $2,568 | $2,568 |
| Travelers | $3,639 | $3,739 | $5,398 | $3,894 |
| USAA | $1,729 | $2,428 | $2,895 | $2,079 |
Cheapest Richmond, KY Car Insurance for Teen Drivers
Teen car insurance in Richmond, KY can be expensive. Take a look at rates from the top car insurance companies in Richmond for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,657 | $13,090 |
| Geico | $6,635 | $7,852 |
| Liberty Mutual | $10,979 | $12,142 |
| Nationwide | $7,042 | $8,761 |
| Progressive | $9,849 | $11,135 |
| State Farm | $4,645 | $5,916 |
| Travelers | $8,554 | $13,724 |
| USAA | $4,102 | $4,299 |
Cheapest Richmond, KY Car Insurance for Seniors
Take a look at Richmond, KY rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,742 | $2,921 |
| Geico | $3,309 | $2,996 |
| Liberty Mutual | $2,059 | $2,294 |
| Nationwide | $2,775 | $2,893 |
| Progressive | $1,777 | $1,779 |
| State Farm | $1,458 | $1,458 |
| Travelers | $1,756 | $1,758 |
| USAA | $1,399 | $1,410 |
Cheapest Richmond, KY Car Insurance Rates After a DUI
A DUI in Richmond, KY increases car insurance rates. Compare Richmond, Kentucky car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,273 |
| Geico | $6,360 |
| Liberty Mutual | $4,702 |
| Nationwide | $5,633 |
| Progressive | $3,921 |
| State Farm | $2,568 |
| Travelers | $5,398 |
| USAA | $2,895 |
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Cheapest Richmond, KY Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Richmond, KY by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,392 | $5,392 |
| Geico | $3,921 | $3,995 |
| Liberty Mutual | $4,710 | $4,710 |
| Nationwide | $4,346 | $4,346 |
| Progressive | $4,160 | $4,160 |
| State Farm | $2,502 | $2,634 |
| Travelers | $4,168 | $4,168 |
| USAA | $2,198 | $2,367 |
The Best Cheap Car Insurance Companies in Richmond, KY
Take a look at a side-by-side comparison of the top car insurance companies in Richmond, KY to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,392 |
| Geico | $3,958 |
| Liberty Mutual | $4,710 |
| Nationwide | $4,346 |
| Progressive | $4,160 |
| State Farm | $2,568 |
| Travelers | $4,168 |
| USAA | $2,283 |
Category Winners: Cheapest Car Insurance in Richmond, Kentucky
Find the cheapest car insurance companies in Richmond, KY for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Cheapest Richmond, KY Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Richmond car insurance rates. Find the cheapest Richmond, KY car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,999 | $5,370 | $5,807 |
| Geico | $3,693 | $3,940 | $4,241 |
| Liberty Mutual | $4,478 | $4,681 | $4,972 |
| Nationwide | $4,367 | $4,301 | $4,370 |
| Progressive | $3,830 | $4,111 | $4,538 |
| State Farm | $2,375 | $2,564 | $2,765 |
| Travelers | $3,933 | $4,188 | $4,383 |
| USAA | $2,158 | $2,276 | $2,414 |
What affects car insurance rates in Richmond, Kentucky?
What are the factors that affect car insurance rates in Richmond, KY car insurance? There are several reasons why Richmond car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Richmond, Kentucky.
Commute Time in Richmond
The more time you spend in your car the higher the risk of an accident. The average commute length in Richmond, KY is 20.2 minutes according to City-Data.
Traffic in Richmond
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Richmond, KY traffic data from INRIX ranks Richmond as the 690th-most congested in the world.
Compare Car Insurance Quotes in Richmond, KY
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Frequently Asked Questions
What factors can affect car insurance rates in Richmond, KY?
Several factors can impact car insurance rates in Richmond, KY. These factors include the driver’s age, gender, driving record, credit score, type of vehicle, coverage limits, deductible amount, and the level of insurance competition in the area.
Are car insurance rates in Richmond, KY higher than the national average?
Car insurance rates can vary widely depending on various factors. While Richmond, KY may have rates higher or lower than the national average, it’s important to compare quotes from different insurance providers to get an accurate understanding of the rates in the area.
What are the pros of car insurance rates in Richmond, KY?
- Competitive market: Richmond, KY benefits from a competitive insurance market, which can lead to lower rates due to increased competition among insurance providers.
- Local insurance agents: Having local insurance agents in the area can provide personalized service and guidance when choosing car insurance coverage.
- Availability of discounts: Many insurance companies offer discounts based on factors such as safe driving records, bundling policies, or installing anti-theft devices.
What are the cons of car insurance rates in Richmond, KY?
- Regional factors: The specific regional factors, such as weather conditions, accident rates, or crime rates, can influence car insurance rates in Richmond, KY. These factors may increase insurance premiums.
- Personal circumstances: Individual factors like age, driving history, or credit score can significantly impact car insurance rates, which may or may not be specific to Richmond, KY.
- Limited options: While Richmond, KY may have a competitive insurance market, the available options might still be limited compared to larger cities.
How can I find affordable car insurance rates in Richmond, KY?
To find affordable car insurance rates in Richmond, KY, consider the following tips:
- Compare quotes: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Review coverage limits: Adjusting coverage limits and deductibles can help find a balance between affordability and adequate coverage.
- Look for discounts: Inquire about available discounts for safe driving, bundled policies, or other factors that may apply to your situation.
- Improve driving record: Maintaining a clean driving record can help lower insurance premiums over time.
- Consider local agents: Seek assistance from local insurance agents who can provide personalized advice and recommendations.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.