Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The cheapest car insurance company in Richlands for teen drivers is Liberty Mutual
  • Average car insurance rates in Richlands, NC for senior drivers are $2,827/year
  • The cheapest car insurance company in Richlands after a DUI is Liberty Mutual

Average car insurance rates in Richlands, North Carolina are $311 a month. But with a little research you can get a great deal from the top car insurance companies in Richlands, NC. Before you buy Richlands, North Carolina car insurance, make sure your coverage meets or exceeds the North Carolina minimum of 30/60/25.

It may even be helpful to compare Richlands car insurance rates with Fayetteville car insurance rates, Winston-Salem car insurance rates, or High Point car insurance rates to make sure you’re getting the best Richlands, NC car insurance quotes available.

Need affordable Richlands, NC car insurance? Enter your ZIP code to compare Richlands car insurance quotes from multiple car insurance companies near you.

Richlands, NC Minimum Car Insurance Coverage

Richlands, North Carolina law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Richlands, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Richlands, NC Car Insurance Rates by Coverage Level

Some Richlands drivers can get by with the North Carolina minimum coverage of 30/60/25. Other drivers may need more. See how much your Richlands, North Carolina car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Richlands, North Carolina

Insurance Company Low Medium High
Allstate $7,118 $7,367 $7,696
GEICO $2,864 $2,998 $3,161
Liberty Mutual $2,448 $2,550 $2,694
Nationwide $3,277 $3,395 $3,559
Progressive $2,713 $2,833 $2,998
State Farm $3,107 $3,226 $3,392
Travelers $3,538 $3,667 $3,847

Richlands, NC Car Insurance Rates by Age, Gender, and Marital Status

Richlands, North Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Richlands, NC car insurance, get quotes from multiple car insurance companies in the Richlands area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richlands, North Carolina

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 $5,631 $5,631 $4,620 $4,620 $13,580 $13,580 $5,742 $5,742
GEICO $2,600 $2,558 $2,575 $2,535 $4,598 $4,561 $2,323 $2,312
Liberty Mutual $2,130 $2,130 $2,205 $2,205 $3,791 $3,791 $2,130 $2,130
Nationwide $2,898 $2,898 $2,898 $2,898 $4,946 $4,946 $2,898 $2,898
Progressive $2,149 $2,149 $1,968 $1,968 $4,904 $4,904 $2,371 $2,371
State Farm $2,832 $2,832 $2,449 $2,449 $4,184 $4,184 $3,501 $3,501
Travelers $3,116 $3,116 $3,091 $3,091 $5,332 $5,332 $3,198 $3,198

Richlands, NC Car Insurance Rates for Teens

How much is Richlands, North Carolina car insurance for teens? Compare rates from top Richlands car insurance companies below to help find the cheapest teen car insurance in Richlands, NC.

Annual Car Insurance Rates for Teen Drivers in Richlands, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,580 $13,580
GEICO $4,598 $4,561
Liberty Mutual $3,791 $3,791
Nationwide $4,946 $4,946
Progressive $4,904 $4,904
State Farm $4,184 $4,184
Travelers $5,332 $5,332

Richlands, NC Car Insurance Rates for Seniors

Before seniors buy Richlands, North Carolina car insurance, they should make sure to shop around. Some Richlands, NC car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Richlands, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,620 $4,620
GEICO $2,575 $2,535
Liberty Mutual $2,205 $2,205
Nationwide $2,898 $2,898
Progressive $1,968 $1,968
State Farm $2,449 $2,449
Travelers $3,091 $3,091

Richlands, NC Car Insurance Rates by Credit History

How does your credit history affect Richlands, NC car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Richlands, North Carolina

Insurance Company Poor Fair Good
Allstate $9,992 $6,495 $5,693
GEICO $3,223 $2,996 $2,805
Liberty Mutual $2,564 $2,564 $2,564
Nationwide $3,410 $3,410 $3,410
Progressive $3,185 $2,780 $2,580
State Farm $4,554 $2,910 $2,260
Travelers $3,935 $3,581 $3,536

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Richlands, NC Car Insurance Rates by Driver History

How does a single speeding ticket affect your Richlands, North Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Richlands.

Annual Richlands, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,011 $7,053 $13,092 $5,418
GEICO $1,448 $2,281 $6,174 $2,129
Liberty Mutual $1,527 $1,961 $4,808 $1,961
Nationwide $2,006 $2,594 $6,447 $2,594
Progressive $1,356 $1,978 $6,144 $1,914
State Farm $1,721 $2,497 $6,252 $2,497
Travelers $2,183 $2,877 $6,848 $2,828

Richlands, NC Car Insurance Rates With a DUI

Even a single DUI can increase your Richlands, NC car insurance rates. Compare rates below to see which Richlands car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Richlands, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,092
GEICO $6,174
Liberty Mutual $4,808
Nationwide $6,447
Progressive $6,144
State Farm $6,252
Travelers $6,848

Richlands, NC Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Richlands, NC car insurance rates may be. Let’s take a look at average car insurance rates from top Richlands companies based on commute time.

Annual Car Insurance Rates by Commute Length in Richlands, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,393 $7,393
GEICO $3,008 $3,008
Liberty Mutual $2,564 $2,564
Nationwide $3,410 $3,410
Progressive $2,848 $2,848
State Farm $3,232 $3,251
Travelers $3,684 $3,684

Richlands, NC Cheapest Car Insurance Rates

How do the top Richlands, North Carolina car insurance companies’ average rates stack up against the Richlands average monthly car insurance rates of $311? Take a look and see.

Best Annual Car Insurance Rates by Company in Richlands, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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Richlands, NC Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Richlands, North Carolina car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Richlands, North Carolina

Insurance Company Average Annual Rates
Allstate $7,393
GEICO $3,008
Liberty Mutual $2,564
Nationwide $3,410
Progressive $2,848
State Farm $3,242
Travelers $3,684

Other Factors Affecting Richlands, NC Car Insurance Rates

Before you buy Richlands, North Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Richlands, NC Commute Time

How does your Richlands, NC commute time compare with the average driver? In Richlands, the average commute is 32.5 minutes.

Richlands, NC Car Insurance Quotes

Compare Richlands, NC car insurance quotes from multiple companies by entering your ZIP code now.