Cheapest and Best Car Insurance Companies in Richmond, CA

The latest quotes collected for 2023 show that GEICO offers the cheapest car insurance in Richmond, California. It’s also the best insurer overall, offering the optimal balance of service and affordability.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Margarita Barresi

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.

Cheapest + BestCar InsuranceRichmond

2023

Cheapest and Best Car Insurance in Richmond, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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).

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

Cheapest and Best Car Insurance Companies in Richmond, CA

On This Page:

Cheapest Minimum Liability Car Insurance in Richmond

Cheapest Full Coverage Car Insurance in Richmond

Cheapest Car Insurance in Richmond After a Driving Offense

Cheapest Car Insurance in Richmond for Teens and Their Families

Cheapest Car Insurance in Richmond for Military Drivers

How to Compare Cheap Richmond Car Insurance Quotes Online

Best Car Insurance in Richmond: Summary

Best Overall Car Insurance in Richmond

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Richmond for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Richmond

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Richmond