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 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Richmond for teen drivers is USAA
  • Average car insurance rates in Richmond, KY for senior drivers are $2,174/year
  • Average car insurance rates in Richmond, KY are $329/month

Average car insurance rates in Richmond, Kentucky are $329 a month. But with a little research you can get a great deal from the top car insurance companies in Richmond, KY. Before you buy Richmond, Kentucky car insurance, make sure your coverage meets or exceeds the Kentucky minimum of 25/50/25.

It may even be helpful to compare Richmond car insurance rates with Bowling Green car insurance rates, Nicholasville car insurance rates, or Covington car insurance rates to make sure you’re getting the best Richmond, KY car insurance quotes available.

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

Richmond, KY Minimum Car Insurance Coverage

Richmond, Kentucky law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Richmond, Kentucky

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

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Richmond, KY Car Insurance Rates by Coverage Level

Some Richmond drivers can get by with the Kentucky minimum coverage of 25/50/25. Other drivers may need more. See how much your Richmond, Kentucky car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Richmond, Kentucky

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

Richmond, KY Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richmond, Kentucky

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

Richmond, KY Car Insurance Rates for Teens

How much is Richmond, Kentucky car insurance for teens? Compare rates from top Richmond car insurance companies below to help find the cheapest teen car insurance in Richmond, KY.

Annual Car Insurance Rates for Teen Drivers in Richmond, Kentucky

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

Richmond, KY Car Insurance Rates for Seniors

Before seniors buy Richmond, Kentucky car insurance, they should make sure to shop around. Some Richmond, KY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Richmond, Kentucky

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

Richmond, KY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Richmond, Kentucky

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

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Richmond, KY Car Insurance Rates by Driver History

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

Annual Richmond, Kentucky Car Insurance Rates by Driving Record

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

Richmond, KY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Richmond, Kentucky

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

Richmond, KY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Richmond, Kentucky

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

Richmond, KY Cheapest Car Insurance Rates

How do the top Richmond, Kentucky car insurance companies’ average rates stack up against the Richmond average monthly car insurance rates of $329? Take a look and see.

Best Annual Car Insurance Rates by Company in Richmond, Kentucky

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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Richmond, KY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Richmond, Kentucky

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

Other Factors Affecting Richmond, KY Car Insurance Rates

Before you buy Richmond, Kentucky car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Richmond, KY Commute Time

How does your Richmond, KY commute time compare with the average driver? In Richmond, the average commute is 20.2 minutes.

Richmond, KY Traffic

Spending time in Richmond traffic can lead to higher car insurance rates. According to INRIX data, Richmond, KY ranks as the 690th-most congested with traffic in the world.

Richmond, KY Car Insurance Quotes

Compare Richmond, KY car insurance quotes from multiple companies by entering your ZIP code now.