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Cheapest and Best Car Insurance Companies in Richmond, CA


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Updated: Sep 26, 2023
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The cheapest provider may differ depending on your needs and driver profile. GEICO offers the lowest rates for full coverage and minimum coverage. National General is the cheapest for drivers with a ticket or DUI, while Capital Insurance Group is the most affordable company for those with an at-fault accident. USAA is ideal for military-affiliated drivers. Teen drivers fare best with Farmers. We recommend GEICO for the best combination of affordability and service quality.

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2023

Cheapest and Best Car Insurance in Richmond, CA

Cheapest Minimum Liability Car Insurance in Richmond

The cheapest car insurance companies for a minimum coverage policy in Richmond are:

  • GEICO: $361 per year
  • CSAA: $432 per year

National General charges the highest rates for minimum coverage, with premiums averaging $874 per year.

Company
Annual Premium
Monthly Premium

GEICO

$357

$30

GEICO

$361

$30

GEICO

$424

$35

State Farm

$425

$35

CSAA

$432

$36

CSAA

$439

$37

Progressive

$452

$38

Progressive

$456

$38

CSAA

$472

$39

Mercury

$494

$41

Kemper

$497

$41

Mercury

$506

$42

Progressive

$535

$45

Travelers

$552

$46

Travelers

$552

$46

State Farm

$562

$47

Nationwide

$569

$47

Kemper

$574

$48

State National

$581

$48

Farmers

$587

$49

Nationwide

$591

$49

Hartford

$598

$50

State National

$598

$50

Farmers

$605

$50

Capital Insurance Group

$606

$51

Mercury

$619

$52

Capital Insurance Group

$628

$52

Travelers

$631

$53

State Farm

$642

$53

Allstate

$657

$55

Allstate

$663

$55

Hartford

$682

$57

Farmers

$687

$57

Capital Insurance Group

$703

$59

State National

$707

$59

Allstate

$713

$59

Nationwide

$746

$62

Kemper

$756

$63

Chubb

$781

$65

Chubb

$804

$67

National General

$874

$73

Hartford

$876

$73

National General

$900

$75

GEICO

$976

$81

GEICO

$1,012

$84

State Farm

$1,037

$86

Progressive

$1,064

$89

Progressive

$1,069

$89

National General

$1,082

$90

Chubb

$1,118

$93

GEICO

$1,164

$97

Allstate

$1,198

$100

Mercury

$1,239

$103

Allstate

$1,263

$105

Mercury

$1,268

$106

Progressive

$1,283

$107

Capital Insurance Group

$1,285

$107

Hartford

$1,308

$109

CSAA

$1,318

$110

CSAA

$1,327

$111

State Farm

$1,329

$111

State National

$1,334

$111

Nationwide

$1,343

$112

Capital Insurance Group

$1,365

$114

National General

$1,398

$116

Allstate

$1,400

$117

National General

$1,420

$118

State National

$1,440

$120

Kemper

$1,454

$121

Nationwide

$1,463

$122

CSAA

$1,469

$122

Hartford

$1,499

$125

Travelers

$1,529

$127

Capital Insurance Group

$1,536

$128

Farmers

$1,552

$129

State Farm

$1,555

$130

Farmers

$1,590

$133

Travelers

$1,611

$134

Mercury

$1,643

$137

National General

$1,703

$142

State National

$1,776

$148

Kemper

$1,806

$150

Farmers

$1,886

$157

Nationwide

$1,912

$159

Travelers

$1,922

$160

Chubb

$1,922

$160

Hartford

$1,928

$161

Chubb

$1,982

$165

Kemper

$2,155

$180

Chubb

$2,828

$236

Liability limits for minimum coverage insurance are determined by the state and not by the city. In California, minimum coverage extends to bodily injury and property damage with these limits:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Your policy’s liability limits tell you how much your insurer will pay for injuries and damages to other drivers and their passengers if you’re found at fault in an accident. A bodily injury liability limit of $15,000 per person and $30,000 per accident means your insurer will cover medical bills of up to $15,000 per injured person but not exceeding $30,000 per incident, even if the accident injured more than two people. You’ll have to pay out of pocket for expenses exceeding the coverage limit.

Cheapest Full Coverage Car Insurance in Richmond

The cheapest car insurance companies for a full coverage policy in Richmond are:

  • GEICO: $1,012 per year
  • Progressive: $1,069 per year

The most expensive provider for full coverage is Chubb, with policies costing around $1,922 per year.

Company
Annual Premium
Monthly Premium

GEICO

$357

$30

GEICO

$361

$30

GEICO

$424

$35

State Farm

$425

$35

CSAA

$432

$36

CSAA

$439

$37

Progressive

$452

$38

Progressive

$456

$38

CSAA

$472

$39

Mercury

$494

$41

Kemper

$497

$41

Mercury

$506

$42

Progressive

$535

$45

Travelers

$552

$46

Travelers

$552

$46

State Farm

$562

$47

Nationwide

$569

$47

Kemper

$574

$48

State National

$581

$48

Farmers

$587

$49

Nationwide

$591

$49

Hartford

$598

$50

State National

$598

$50

Farmers

$605

$50

Capital Insurance Group

$606

$51

Mercury

$619

$52

Capital Insurance Group

$628

$52

Travelers

$631

$53

State Farm

$642

$53

Allstate

$657

$55

Allstate

$663

$55

Hartford

$682

$57

Farmers

$687

$57

Capital Insurance Group

$703

$59

State National

$707

$59

Allstate

$713

$59

Nationwide

$746

$62

Kemper

$756

$63

Chubb

$781

$65

Chubb

$804

$67

National General

$874

$73

Hartford

$876

$73

National General

$900

$75

GEICO

$976

$81

GEICO

$1,012

$84

State Farm

$1,037

$86

Progressive

$1,064

$89

Progressive

$1,069

$89

National General

$1,082

$90

Chubb

$1,118

$93

GEICO

$1,164

$97

Allstate

$1,198

$100

Mercury

$1,239

$103

Allstate

$1,263

$105

Mercury

$1,268

$106

Progressive

$1,283

$107

Capital Insurance Group

$1,285

$107

Hartford

$1,308

$109

CSAA

$1,318

$110

CSAA

$1,327

$111

State Farm

$1,329

$111

State National

$1,334

$111

Nationwide

$1,343

$112

Capital Insurance Group

$1,365

$114

National General

$1,398

$116

Allstate

$1,400

$117

National General

$1,420

$118

State National

$1,440

$120

Kemper

$1,454

$121

Nationwide

$1,463

$122

CSAA

$1,469

$122

Hartford

$1,499

$125

Travelers

$1,529

$127

Capital Insurance Group

$1,536

$128

Farmers

$1,552

$129

State Farm

$1,555

$130

Farmers

$1,590

$133

Travelers

$1,611

$134

Mercury

$1,643

$137

National General

$1,703

$142

State National

$1,776

$148

Kemper

$1,806

$150

Farmers

$1,886

$157

Nationwide

$1,912

$159

Travelers

$1,922

$160

Chubb

$1,922

$160

Hartford

$1,928

$161

Chubb

$1,982

$165

Kemper

$2,155

$180

Chubb

$2,828

$236

Full coverage insurance increases your liability limits and adds comprehensive and collision insurance to your policy.

  • Collision Insurance: Covers the costs to repair or replace your vehicle if it sustains damage in an at-fault accident, such as a collision with another vehicle or an object.
  • Comprehensive Insurance: Covers expenses to repair or replace your vehicle if it sustains damage in a non-accident incident like theft, vandalism or a weather-related event.

We recommend full coverage insurance if you have a newer or expensive car. If you have an older or low-value car, a full coverage policy may not be worth the added cost.

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Cheapest Car Insurance in Richmond After a Driving Offense

The cheapest car insurance companies for a full coverage policy after a driving violation in Richmond are:

  • Speeding ticket: National General ($1,468 per year)
  • At-fault accident: Capital Insurance Group ($1,610 per year)
  • DUI: National General ($1,468 per year)

Nationwide is the most expensive provider following a speeding ticket at $2,531 per year, Kemper after an at-fault accident at $3,189 per year and Hartford following a DUI at $5,423 per year. Compared to drivers with clean records, those with offenses typically pay higher rates. Don’t be surprised if even the cheapest company’s rates increase after a driving offense.

Company
Annual Premium
Monthly Premium

CSAA

$535

$45

CSAA

$535

$45

GEICO

$543

$45

CSAA

$545

$45

CSAA

$545

$45

GEICO

$549

$46

CSAA

$587

$49

CSAA

$587

$49

Mercury

$635

$53

GEICO

$640

$53

GEICO

$646

$54

State Farm

$647

$54

GEICO

$648

$54

Mercury

$652

$54

Kemper

$661

$55

Capital Insurance Group

$669

$56

State Farm

$675

$56

Capital Insurance Group

$694

$58

Capital Insurance Group

$706

$59

Capital Insurance Group

$732

$61

GEICO

$761

$63

Kemper

$763

$64

Capital Insurance Group

$780

$65

Mercury

$795

$66

Farmers

$799

$67

Farmers

$799

$67

Mercury

$800

$67

Progressive

$806

$67

Progressive

$816

$68

Mercury

$816

$68

Capital Insurance Group

$822

$69

State National

$823

$69

Farmers

$823

$69

State National

$823

$69

Farmers

$823

$69

Travelers

$847

$71

State National

$847

$71

State National

$847

$71

Travelers

$848

$71

GEICO

$853

$71

State Farm

$854

$71

Hartford

$859

$72

Hartford

$859

$72

GEICO

$862

$72

Nationwide

$879

$73

Mercury

$884

$74

Progressive

$887

$74

State Farm

$891

$74

Progressive

$899

$75

Mercury

$908

$76

Nationwide

$913

$76

Allstate

$918

$76

National General

$924

$77

National General

$924

$77

Allstate

$927

$77

Farmers

$935

$78

Farmers

$935

$78

Travelers

$941

$78

Travelers

$942

$78

National General

$953

$79

National General

$953

$79

Progressive

$964

$80

Progressive

$965

$80

State Farm

$975

$81

Travelers

$977

$81

Nationwide

$978

$82

Progressive

$980

$82

Hartford

$993

$83

Hartford

$993

$83

Farmers

$999

$83

Mercury

$1,002

$84

Allstate

$1,002

$84

State National

$1,005

$84

State National

$1,005

$84

Chubb

$1,005

$84

Kemper

$1,009

$84

GEICO

$1,016

$85

Nationwide

$1,017

$85

State Farm

$1,018

$85

Chubb

$1,027

$86

Farmers

$1,028

$86

Capital Insurance Group

$1,050

$88

Allstate

$1,058

$88

Progressive

$1,064

$89

Allstate

$1,068

$89

Travelers

$1,085

$90

Capital Insurance Group

$1,090

$91

Mercury

$1,116

$93

Kemper

$1,128

$94

Kemper

$1,128

$94

Travelers

$1,136

$95

Travelers

$1,138

$95

National General

$1,145

$95

National General

$1,145

$95

Nationwide

$1,158

$97

Allstate

$1,158

$97

Progressive

$1,161

$97

Farmers

$1,167

$97

Chubb

$1,220

$102

Capital Insurance Group

$1,223

$102

Chubb

$1,244

$104

Nationwide

$1,291

$108

Hartford

$1,303

$109

Hartford

$1,303

$109

Travelers

$1,319

$110

National General

$1,320

$110

State Farm

$1,330

$111

Chubb

$1,342

$112

National General

$1,361

$113

Kemper

$1,371

$114

Kemper

$1,371

$114

GEICO

$1,459

$122

National General

$1,468

$122

National General

$1,468

$122

Capital Insurance Group

$1,470

$123

CSAA

$1,477

$123

State National

$1,484

$124

National General

$1,493

$124

National General

$1,493

$124

CSAA

$1,506

$126

GEICO

$1,512

$126

Capital Insurance Group

$1,514

$126

State National

$1,530

$128

State Farm

$1,539

$128

Nationwide

$1,553

$129

Chubb

$1,559

$130

Capital Insurance Group

$1,564

$130

Chubb

$1,581

$132

Chubb

$1,603

$134

Capital Insurance Group

$1,610

$134

State Farm

$1,614

$135

Nationwide

$1,617

$135

CSAA

$1,625

$135

GEICO

$1,628

$136

Mercury

$1,631

$136

National General

$1,638

$137

CSAA

$1,666

$139

CSAA

$1,666

$139

Mercury

$1,672

$139

CSAA

$1,676

$140

CSAA

$1,676

$140

GEICO

$1,683

$140

Kemper

$1,726

$144

Kemper

$1,726

$144

GEICO

$1,741

$145

Allstate

$1,742

$145

State Farm

$1,759

$147

Capital Insurance Group

$1,763

$147

National General

$1,790

$149

National General

$1,790

$149

Capital Insurance Group

$1,815

$151

State National

$1,825

$152

Allstate

$1,842

$154

CSAA

$1,858

$155

CSAA

$1,858

$155

State National

$1,895

$158

State National

$1,895

$158

Allstate

$1,898

$158

Chubb

$1,917

$160

Allstate

$1,921

$160

Kemper

$1,930

$161

GEICO

$1,940

$162

Hartford

$1,947

$162

Hartford

$1,947

$162

State Farm

$1,975

$165

Progressive

$2,003

$167

State Farm

$2,009

$167

Progressive

$2,013

$168

Mercury

$2,040

$170

State National

$2,046

$170

State National

$2,046

$170

Hartford

$2,046

$170

Allstate

$2,050

$171

Nationwide

$2,060

$172

State Farm

$2,068

$172

Nationwide

$2,081

$173

National General

$2,082

$173

Allstate

$2,088

$174

Mercury

$2,091

$174

National General

$2,117

$176

Farmers

$2,142

$179

Farmers

$2,142

$179

Allstate

$2,166

$181

Mercury

$2,176

$181

Progressive

$2,179

$182

Mercury

$2,182

$182

Progressive

$2,184

$182

Farmers

$2,197

$183

Farmers

$2,197

$183

Mercury

$2,228

$186

Hartford

$2,242

$187

Hartford

$2,242

$187

Nationwide

$2,270

$189

Capital Insurance Group

$2,299

$192

Allstate

$2,301

$192

GEICO

$2,304

$192

State Farm

$2,308

$192

Travelers

$2,319

$193

Nationwide

$2,319

$193

GEICO

$2,387

$199

Kemper

$2,400

$200

Hartford

$2,404

$200

State Farm

$2,417

$201

Progressive

$2,428

$202

Travelers

$2,435

$203

Capital Insurance Group

$2,447

$204

Progressive

$2,484

$207

Progressive

$2,488

$207

Chubb

$2,522

$210

State National

$2,527

$211

State National

$2,527

$211

Nationwide

$2,531

$211

National General

$2,541

$212

Allstate

$2,570

$214

Travelers

$2,577

$215

Chubb

$2,582

$215

Farmers

$2,605

$217

Farmers

$2,605

$217

Progressive

$2,639

$220

Farmers

$2,678

$223

Travelers

$2,698

$225

Mercury

$2,719

$227

Farmers

$2,745

$229

GEICO

$2,751

$229

Capital Insurance Group

$2,760

$230

Kemper

$2,866

$239

Mercury

$2,896

$241

Hartford

$2,906

$242

Hartford

$2,906

$242

Travelers

$2,928

$244

Nationwide

$2,978

$248

Progressive

$3,012

$251

Chubb

$3,101

$258

Chubb

$3,160

$263

State Farm

$3,184

$265

Kemper

$3,189

$266

Kemper

$3,189

$266

Hartford

$3,236

$270

Travelers

$3,237

$270

Travelers

$3,252

$271

Farmers

$3,256

$271

Nationwide

$3,326

$277

Travelers

$3,406

$284

Chubb

$3,427

$286

State National

$3,534

$294

Nationwide

$3,693

$308

Allstate

$3,806

$317

State National

$3,821

$318

Chubb

$4,010

$334

Nationwide

$4,036

$336

Allstate

$4,040

$337

Kemper

$4,061

$338

Kemper

$4,061

$338

Chubb

$4,064

$339

State Farm

$4,085

$340

Travelers

$4,127

$344

Chubb

$4,128

$344

Allstate

$4,513

$376

Hartford

$4,666

$389

CSAA

$4,702

$392

CSAA

$4,734

$394

State National

$4,737

$395

Kemper

$4,745

$395

Kemper

$4,745

$395

State Farm

$4,772

$398

Chubb

$4,977

$415

CSAA

$5,257

$438

Nationwide

$5,319

$443

Hartford

$5,423

$452

Hartford

$7,143

$595

A severe violation can cause your insurance rates to skyrocket. In Richmond, the average premium increases by around $574 per year after a speeding ticket and $1,961 after a DUI. You can still find affordable car insurance with a bad driving record if you shop around.

Cheapest Car Insurance in Richmond for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Richmond are:

  • Farmers: $2,958 per year for female and male teens
  • GEICO: $2,942 per year for female teens
  • State Farm: $3,031 per year for male teens

Nationwide is the most expensive provider for teens, with full coverage costing around $7,524 per year when a teen driver is added to a family policy. Male teens usually pay higher rates than females because they are considered high-risk drivers. However, Farmers charge male and female teens the same rate. Gender-specific rate differences drop off by early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,274

$2,038

GEICO

$1,304

$2,086

GEICO

$1,307

$2,297

GEICO

$1,321

$2,192

GEICO

$1,336

$2,137

GEICO

$1,343

$2,362

GEICO

$1,362

$2,495

GEICO

$1,380

$2,426

GEICO

$1,513

$2,251

GEICO

$1,563

$2,570

Progressive

$1,620

$2,569

Progressive

$1,620

$2,569

Capital Insurance Group

$1,706

$2,188

Capital Insurance Group

$1,706

$2,188

Progressive

$1,753

$2,781

Progressive

$1,753

$2,781

Allstate

$1,832

$2,981

Allstate

$1,832

$2,981

Nationwide

$1,842

$3,822

Nationwide

$1,842

$3,822

Kemper

$1,871

$3,756

Kemper

$1,871

$3,756

Progressive

$1,876

$3,437

Progressive

$1,876

$3,437

Allstate

$1,918

$3,120

Allstate

$1,918

$3,120

Capital Insurance Group

$1,942

$2,592

Capital Insurance Group

$1,942

$2,592

GEICO

$1,947

$3,272

Progressive

$1,964

$3,116

Progressive

$1,964

$3,116

Allstate

$1,967

$3,467

Allstate

$1,967

$3,467

Kemper

$1,976

$3,967

Kemper

$1,976

$3,967

Allstate

$1,987

$3,232

Allstate

$1,987

$3,232

Farmers

$2,007

$2,867

Farmers

$2,007

$2,867

Nationwide

$2,020

$4,191

Nationwide

$2,020

$4,191

Capital Insurance Group

$2,021

$2,592

Capital Insurance Group

$2,021

$2,592

Capital Insurance Group

$2,021

$2,592

Capital Insurance Group

$2,021

$2,592

GEICO

$2,024

$3,773

State Farm

$2,056

$3,021

State Farm

$2,056

$3,021

Kemper

$2,080

$4,664

Kemper

$2,080

$4,664

Nationwide

$2,084

$4,793

Nationwide

$2,084

$4,793

Allstate

$2,108

$3,482

Allstate

$2,108

$3,482

GEICO

$2,130

$3,168

State Farm

$2,139

$3,142

State Farm

$2,139

$3,142

Kemper

$2,149

$4,314

Kemper

$2,149

$4,314

Nationwide

$2,165

$4,492

Nationwide

$2,165

$4,492

State Farm

$2,176

$3,409

State Farm

$2,176

$3,409

State Farm

$2,189

$3,215

State Farm

$2,189

$3,215

GEICO

$2,214

$3,642

Farmers

$2,248

$3,325

Farmers

$2,248

$3,325

Capital Insurance Group

$2,255

$2,916

Capital Insurance Group

$2,255

$2,916

Progressive

$2,326

$3,770

Progressive

$2,326

$3,770

Farmers

$2,328

$3,325

Farmers

$2,328

$3,325

Farmers

$2,328

$3,325

Farmers

$2,328

$3,325

Travelers

$2,328

$3,171

Travelers

$2,328

$3,171

State Farm

$2,332

$3,475

State Farm

$2,332

$3,475

Capital Insurance Group

$2,338

$2,916

Capital Insurance Group

$2,338

$2,916

Kemper

$2,409

$4,945

Kemper

$2,409

$4,945

Travelers

$2,410

$3,282

Travelers

$2,410

$3,282

Allstate

$2,418

$4,439

Allstate

$2,418

$4,439

Nationwide

$2,440

$5,254

Nationwide

$2,440

$5,254

Allstate

$2,457

$4,059

Allstate

$2,457

$4,059

Travelers

$2,459

$3,523

Travelers

$2,459

$3,523

State Farm

$2,475

$3,870

State Farm

$2,475

$3,870

State Farm

$2,498

$3,723

State Farm

$2,498

$3,723

Capital Insurance Group

$2,504

$3,238

Capital Insurance Group

$2,504

$3,238

Travelers

$2,512

$3,421

Travelers

$2,512

$3,421

Farmers

$2,514

$3,813

Farmers

$2,514

$3,813

Kemper

$2,610

$5,356

Kemper

$2,610

$5,356

Kemper

$2,632

$5,905

Kemper

$2,632

$5,905

GEICO

$2,690

$4,731

Farmers

$2,717

$4,391

Farmers

$2,717

$4,391

Farmers

$2,743

$4,159

Farmers

$2,743

$4,159

Travelers

$2,744

$3,697

Travelers

$2,744

$3,697

State Farm

$2,751

$4,907

State Farm

$2,751

$4,907

GEICO

$2,820

$5,499

Farmers

$2,861

$5,658

Farmers

$2,861

$5,658

GEICO

$2,883

$5,283

Progressive

$2,900

$5,335

Progressive

$2,900

$5,335

State Farm

$2,916

$5,203

State Farm

$2,916

$5,203

Farmers

$2,931

$5,918

Farmers

$2,931

$5,918

Farmers

$2,940

$5,815

Farmers

$2,940

$5,815

GEICO

$2,958

$5,202

Travelers

$2,978

$4,266

Travelers

$2,978

$4,266

State Farm

$2,978

$5,829

State Farm

$2,978

$5,829

Nationwide

$3,007

$7,264

Nationwide

$3,007

$7,264

Travelers

$3,024

$4,074

Travelers

$3,024

$4,074

GEICO

$3,040

$6,217

Progressive

$3,082

$4,995

Progressive

$3,082

$4,995

GEICO

$3,113

$6,072

Nationwide

$3,207

$6,907

Nationwide

$3,207

$6,907

Capital Insurance Group

$3,214

$4,007

Capital Insurance Group

$3,214

$4,007

Capital Insurance Group

$3,214

$4,007

Capital Insurance Group

$3,214

$4,007

Capital Insurance Group

$3,214

$4,007

Capital Insurance Group

$3,214

$4,007

Allstate

$3,226

$6,383

Allstate

$3,226

$6,383

Allstate

$3,341

$6,723

Allstate

$3,341

$6,723

Progressive

$3,347

$6,783

Progressive

$3,347

$6,783

Progressive

$3,369

$6,842

Progressive

$3,369

$6,842

Progressive

$3,382

$6,853

Progressive

$3,382

$6,853

Allstate

$3,398

$6,723

Allstate

$3,398

$6,723

Kemper

$3,970

$8,064

Kemper

$3,970

$8,064

Travelers

$3,979

$5,379

Travelers

$3,979

$5,379

Travelers

$4,157

$5,619

Travelers

$4,157

$5,619

Travelers

$4,167

$5,897

Travelers

$4,167

$5,897

Kemper

$4,350

$8,834

Kemper

$4,350

$8,834

Kemper

$4,389

$9,847

Kemper

$4,389

$9,847

Nationwide

$4,567

$9,820

Nationwide

$4,567

$9,820

Nationwide

$5,135

$11,041

Nationwide

$5,135

$11,041

Nationwide

$5,300

$13,326

Nationwide

$5,300

$13,326

If you have a teen driver, you can save on insurance by adding them to a family policy. For instance, the average 16-year-old male in Richmond would pay roughly $4,498 per year for an individual full coverage. Adding the same teen to a family policy costs $3,825, an annual savings of $673. Families can easily bank hundreds of dollars per year by making smart choices when purchasing the cheapest auto insurance for teens.

Cheapest Car Insurance in Richmond for Military Drivers

The cheapest car insurance companies for military families and veterans in Richmond for full coverage:

  • USAA: $916 per year
  • GEICO: $1,012 per year

For minimum coverage insurance, the same two companies top our list, but GEICO ($361) is the cheapest, followed by USAA ($388).

Company
Annual Premium
Monthly Premium

GEICO

$357

$30

GEICO

$361

$30

USAA

$388

$32

USAA

$388

$32

GEICO

$424

$35

State Farm

$425

$35

CSAA

$432

$36

CSAA

$439

$37

Progressive

$452

$38

Progressive

$456

$38

USAA

$471

$39

CSAA

$472

$39

Mercury

$494

$41

Kemper

$497

$41

Mercury

$506

$42

Progressive

$535

$45

Travelers

$552

$46

Travelers

$552

$46

State Farm

$562

$47

Nationwide

$569

$47

Kemper

$574

$48

State National

$581

$48

Farmers

$587

$49

Nationwide

$591

$49

Hartford

$598

$50

State National

$598

$50

Farmers

$605

$50

Capital Insurance Group

$606

$51

Mercury

$619

$52

Capital Insurance Group

$628

$52

Travelers

$631

$53

State Farm

$642

$53

Allstate

$657

$55

Allstate

$663

$55

Hartford

$682

$57

Farmers

$687

$57

Capital Insurance Group

$703

$59

State National

$707

$59

Allstate

$713

$59

Nationwide

$746

$62

Kemper

$756

$63

Chubb

$781

$65

Chubb

$804

$67

National General

$874

$73

Hartford

$876

$73

USAA

$894

$75

National General

$900

$75

USAA

$916

$76

GEICO

$976

$81

GEICO

$1,012

$84

State Farm

$1,037

$86

Progressive

$1,064

$89

Progressive

$1,069

$89

National General

$1,082

$90

USAA

$1,099

$92

Chubb

$1,118

$93

GEICO

$1,164

$97

Allstate

$1,198

$100

Mercury

$1,239

$103

Allstate

$1,263

$105

Mercury

$1,268

$106

Progressive

$1,283

$107

Capital Insurance Group

$1,285

$107

Hartford

$1,308

$109

CSAA

$1,318

$110

CSAA

$1,327

$111

State Farm

$1,329

$111

State National

$1,334

$111

Nationwide

$1,343

$112

Capital Insurance Group

$1,365

$114

National General

$1,398

$116

Allstate

$1,400

$117

National General

$1,420

$118

State National

$1,440

$120

Kemper

$1,454

$121

Nationwide

$1,463

$122

CSAA

$1,469

$122

Hartford

$1,499

$125

Travelers

$1,529

$127

Capital Insurance Group

$1,536

$128

Farmers

$1,552

$129

State Farm

$1,555

$130

Farmers

$1,590

$133

Travelers

$1,611

$134

Mercury

$1,643

$137

National General

$1,703

$142

State National

$1,776

$148

Kemper

$1,806

$150

Farmers

$1,886

$157

Nationwide

$1,912

$159

Travelers

$1,922

$160

Chubb

$1,922

$160

Hartford

$1,928

$161

Chubb

$1,982

$165

Kemper

$2,155

$180

Chubb

$2,828

$236

How to Compare Cheap Richmond Car Insurance Quotes Online

Comparison shopping for rates is time-consuming, and you can spend 15 minutes or longer completing one company’s online forms.

MoneyGeek’s car insurance calculator gives you a quick ballpark figure of your auto insurance rate. Our database automatically scans thousands of quotes that we’ve collected from various insurers and gives you a reliable estimate based on your age, vehicle type, preferred coverage level and driving record.

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Best Car Insurance in Richmond: Summary

The best car insurance for you depends on how you value affordability, service quality and coverage options. The following are the best car insurance companies in Richmond, California, based on our study:

  • Best overall: GEICO (MoneyGeek 75 score out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company’s MoneyGeek scores can vary depending on how we weigh factors for each category. GEICO outperformed its competitors, becoming our top pick as the best overall auto insurer in Richmond and the best car insurance in California. With a MoneyGeek score of 85 out of 100, USAA is also worth considering if you have a military background.

Best Overall Car Insurance in Richmond

The best car insurance companies in Richmond that combine affordability and customer service are:

  • GEICO: MoneyGeek score 75 out of 100 ($1,012 per year)
  • Progressive: MoneyGeek score 72 out of 100 ($1,069 per year)

GEICO offers the cheapest rates out of 14 providers and above-average service. USAA also ranks highly, earning the highest score of 85 out of 100. It is a great option for military members at $916 per year.

How was this MoneyGeek score calculated?

GEICO

pros

Has the cheapest premiums out of 14 providers

Above-average customer service

Offers mechanical breakdown insurance and classic car insurance

cons

Weak claims management

Doesn’t offer a deductible modification, gap insurance or new car replacement coverage

COMPANY HIGHLIGHTS

GEICO offers a few rare coverages on top of essential ones. You won’t frequently find mechanical breakdown insurance (MBI) on the list of add-ons for most insurers. With GEICO’s MBI, policyholders will pay less out of pocket for any unexpected car repairs, including all parts and systems. You can also get your car repaired at a licensed repair shop of your choice. To qualify for MBI, your new or leased car must be less than 15 months old and have less than 15,000 miles on its odometer.

The company’s classic car insurance add-on is a must if you have a collectible car. It provides liability coverage, uninsured and underinsured motorist coverage, personal injury protection and medical payments coverage on top of the standard protection.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Richmond for Customer Service

The following companies offer the best customer service in Richmond when price is not a consideration:

  • Chubb: MoneyGeek score 76 out of 100 ($1,922 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,365 per year)

Chubb has a strong reputation for delivering exceptional service and claims processing. However, the insurer charges the highest premiums out of the 14 companies we studied in Richmond.

How was this MoneyGeek score calculated?

Chubb

pros

Excellent ratings on customer service – the second-highest out of 14 providers

Ranks first for claims management

Offers useful add-ons like rental car reimbursement, original equipment manufacturer (OEM) and diminished value coverages

cons

Limited range add-on coverages

Lacks common coverages such as roadside assistance and gap insurance

COMPANY HIGHLIGHTS

Chubb combines great value with top-notch service, making it our clear winner for this category. Although it only offers four add-on coverages, most of these are rarely offered by other insurers.

We highly recommend purchasing its original equipment manufacturer (OEM) coverage which pays for the cost of original parts and processes to repair your vehicle following damage due to a covered incident. OEM parts are made by your car manufacturer’s factory and designed specifically for your car, so they tend to fit perfectly compared to aftermarket parts.

Chubb also offers diminished value coverage which pays you for the agreed value of your car if it is totaled or stolen. The company’s classic car insurance is a must-have for drivers with collectible cars. To qualify for this insurance, your car must be at least 30 years old, part of a larger vehicle collection or a limited production model.

Best Cheap Car Insurance in Richmond

The best auto insurance companies in Richmond that meet California’s minimum coverage requirements are:

  • GEICO: MoneyGeek score 78 out of 100 ($361 per year)
  • Progressive: MoneyGeek score 71 out of 100 ($452 per year)

Minimum coverage is typically the most affordable option for most drivers. Before purchasing this type of policy, be aware that it provides the least liability protection and won’t cover expenses if your car is damaged in an accident.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $361 per year

Ranks first in affordability and fourth in customer satisfaction out of 14 providers

Offers discounts for bundling policies, insuring multiple cars and always using a seatbelt

cons

Below-average claims management

No discounts for going paperless or paying in full

COMPANY HIGHLIGHTS

GEICO is the ideal option for drivers who want good service at an affordable premium. Its minimum coverage insurance is the cheapest out of 14 providers in Richmond, and policy buyers can slash these rock-bottom rates further by taking advantage of discount opportunities.

GEICO boasts an impressive line-up of discounts, and most drivers will have little trouble qualifying for at least one. It offers common discounts like for insuring more than one car, being accident-free for at least five years and bundling an auto policy with a home, renters, condo or mobile home insurance.

This insurer is one of a handful that offers discounts to senior drivers, active or retired federal employees, teachers and military personnel on active duty and veterans. GEICO also rewards drivers who put safety first by providing discounts for always wearing a seatbelt and completing a driver’s education or defensive driving course.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Richmond

The average cost of car insurance in Richmond is $1,400 per year. MoneyGeek found that getting insured in Richmond costs $13 more than the cost of car insurance in California ($1,387) and $122 more than the national average ($1,265). These average rates are based on quotes for a sample full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Location is just one of many factors that influence insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.