Cheapest Auto Insurance in Richmond, Kentucky (2025)
Auto-Owners has the cheapest liability insurance in Richmond, with a cost of $52 per month.
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Table of contents
The average cost of liability car insurance in Richmond is $117 per month, which is similar to the Kentucky state average of $132. Insurance premiums in Richmond and the state of Kentucky typically exceed national average costs. The average monthly cost of liability insurance in the U.S. is $105.
Kentucky drivers may face higher insurance costs because the state has a higher risk of tornadoes than other areas of the country. Insurers adjust for increased risk of property damage by charging higher premiums.
Here’s what you should know about finding cheap car insurance in Richmond, including how to compare quotes and coverage options.
Quick Facts
Kentucky is a no-fault state, so drivers must purchase basic personal injury protection (PIP) coverage.[1]
The cheapest car insurance companies in Richmond include Auto-Owners, State Farm, and GEICO.
On average, Richmond drivers pay $196 per month for full-coverage insurance.
3 of the cheapest car insurance companies in Richmond
When searching for car insurance, you should aim to find a company that offers excellent rates and coverage options that meet your needs.
The following insurers provide cost-effective options for drivers in the city, including teenagers and military personnel. The provided quotes reflect statewide average costs in Kentucky.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| National General | 6.8 | $151 | $93 | Cheap rates |
| State Farm | 9.3 | $105 | $61 | Teen drivers |
| USAA | 9.4 | $129 | $75 | Military members |
Best insurer for cheap rates: National General
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $134/mo |
3.4
A solid optionBased on 446 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (228)
Marsha
March 10, 2025
Verified Review
National General has become too expensive
The rates have become too expensive now.
Richard
March 9, 2025
Verified Review
Check out options
Check out options.
Darryl
March 8, 2025
Verified Review
Overcharged
National General takes advantage of drivers whose credit is under 700.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
National General offers the cheapest full-coverage policy in Richmond, as well as affordable liability rates. The insurer offers standard coverages like comprehensive and collision insurance, as well as a plethora of policy add-ons to provide you with extra protection on the road.
Pros
SR-22 certificates available to high-risk drivers
Variety of available policy endorsements
Cons
Gap insurance not available
High volume of online complaints
Best insurer for teen drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
4.1
Best choiceBased on 9,893 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,449)
K
March 12, 2025
Verified Review
Poor
I'm struggling financially because my insurance payments are too high.
Michael
March 12, 2025
Verified Review
Horribly Managed Company
Relentless, outrageous premium increases are par for the course with this company!
Jackie
March 12, 2025
Verified Review
Great, but the Rates are High
Aside from the fact that the rates for home and auto insurance keep increasing, they have been a great company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With budget-friendly rates, excellent customer service, and discounts for student drivers, you can count on State Farm for your teenager’s car insurance policy. The company has good student, driver training, and student away-at-school discounts, as well as savings opportunities through its Drive Safe & Save and Steer Clear programs.
Pros
Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
Rideshare insurance available
Cons
Gap insurance not available
Accident forgiveness not available
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.9
Best choiceBased on 1,774 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,017)
Rose
March 11, 2025
Verified Review
You would be paying for nothing
They are not truthful about covering your vehicle repairs. My vehicle was damaged by rubber on the road and required $2000 worth of repairs. They approved the repairs, but they were never carried out. Later, they claimed a check was paid but refused to provide proof or even the name of the payee. Meanwhile, I was left for 2 years with my car held together by zip ties instead of being repaired. Then they reported that I was in a preventable accident. A giant piece of tire rubber on the road at highway speeds at night with a car on either side of me, and it was my fault? They were not honest throughout the process.
Tina
March 11, 2025
Verified Review
USAA
I love USAA.
Lizy
March 10, 2025
Verified Review
Expensive
Fantastic, just expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Whether you’re an active or reserve military personnel, a veteran, or a family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving program, USAA SafePilot.
Pros
Affordable premiums
Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
Cons
Exclusively available to active military members, veterans, and their families
No 24/7 phone support
How to get the cheapest car insurance in Richmond
Your insurance rates will vary based on several factors, including your location, age, driving history, credit, and more. You can expect your insurance rates to increase if you demonstrate a higher risk in one of these areas.
If you’re in the market for cheap car insurance in Richmond, the following tips can help you get the best rates on your policy:
Compare quotes. The Insurance Information Institute recommends gathering quotes from at least three insurers. Make sure the quotes you compare are for the same types of coverage for the most accurate comparisons.
Seek out discounts. Insurance companies offer deals for good driving, bundling insurance products, being a member of an affiliated group, and more. You can even stack discounts for additional savings on your policy.
Maintain a good driving record. Whether you have a speeding ticket or a DUI, incidents can cause your rates to increase substantially. Try to avoid incidents, as insurers offer the best rates to people with a clean driving record.
Increase your deductible. Choosing a higher deductible can lower your overall premiums. Be sure you can pay for the deductible so you can get coverage.
Drive a safe car. The type of car you drive can influence your rates. Insuring a motor vehicle with advanced safety features can qualify you for discounts or rate reductions.
Find Cheap Car Insurance in Richmond
Liability quotes start at $52 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Richmond: Auto-Owners
If you cause an accident, liability-only insurance covers the costs incurred by the other person’s property damage and bodily injury. Since this policy only covers the basics, you can expect your premiums to remain low, but you may face high out-of-pocket costs after filing a claim.[2]
On average, Richmond drivers pay $117 per month for liability insurance. Here are the cheapest companies offering liability-only coverage in Richmond.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $52 |
| State Farm | $54 |
| GEICO | $62 |
| Allstate | $79 |
| State Auto | $81 |
| National General | $82 |
| Travelers | $88 |
| Progressive | $90 |
| Safeco | $99 |
| CSAA | $111 |
| Clearcover | $114 |
| Nationwide | $115 |
| Bristol West | $132 |
| Shelter | $142 |
| Liberty Mutual | $151 |
| The General | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Richmond: Auto-Owners
Liability-only insurance only covers the other party’s car repairs and medical costs if you’re at fault in an accident. Full-coverage policies handle the costs of your vehicle damages as well, regardless of fault.
A full-coverage policy includes liability, collision, and comprehensive coverage. Collision coverage pays for your vehicle repairs after an accident, and a comprehensive auto policy will compensate you for losses and damages from theft, weather-related damages, and other non-collision incidents.
You may want a full-coverage policy if you drive frequently or live in a high-risk location. If you have a lease or loan on your car, your lender will likely require you to purchase this coverage.
The average cost of full-coverage insurance in Richmond is $196 per month. Here are the cheapest average rates for full-coverage insurance in Richmond.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $91 |
| State Farm | $95 |
| GEICO | $107 |
| National General | $134 |
| Allstate | $137 |
| State Auto | $140 |
| Safeco | $145 |
| Travelers | $153 |
| Progressive | $155 |
| CSAA | $165 |
| Clearcover | $169 |
| Nationwide | $201 |
| Liberty Mutual | $247 |
| Shelter | $247 |
| Bristol West | $270 |
| The General | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Kentucky
Kentucky drivers must carry a minimum amount of bodily injury and property damage liability coverage.[3]
Because Kentucky is a “choice no-fault state,” you must file a claim with your insurer after an accident, regardless of fault. Therefore, you must also obtain personal injury protection (PIP) coverage. Through your PIP coverage, your insurer will cover medical payments, lost wages, and more for you and your passengers following an accident.
You’ll find the minimum state requirements in Kentucky below:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 per accident |
Purchasing these additional coverages can bolster your protection on the road:
Collision coverage
In the event of an accident, collision insurance covers the costs of your vehicle damage.
Comprehensive coverage
Comprehensive insurance covers costs associated with non-collision incidents, including theft, severe weather, falling objects, and more.
Uninsured/underinsured motorist coverage
If the at-fault party doesn’t have enough insurance, uninsured/underinsured motorist insurance will cover the gaps.
Rental car reimbursement coverage
A rental car can help you get around while your vehicle is at the shop for repairs, and this coverage can pay for some of these costs.
Cheapest car insurance for drivers with an incident
Driving incidents such as speeding tickets, driving under the influence, or at-fault accidents can cause your rates to increase. As your risk as a driver increases, insurers adjust rates accordingly.
Insurers associate incidents on your driving record with an increased likelihood of having an accident and filing a claim. Richmond drivers with a past incident pay an average of $145 per month for liability insurance.
Drivers with a clean record tend to earn the most affordable insurance rates.[4]
Cheapest recent rates near Richmond, Kentucky
Drivers using Insurify have found quotes as cheap as $61/mo for liability only and $102/mo for full coverage in Richmond and other Kentucky cities.
*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on March 12, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on March 12, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you exceed the speed limit and get pulled over, you’ll typically face an initial fine and an increase in your insurance rates. Other incidents can make your insurance rates increase more than a single speeding ticket.
On average, Richmond drivers with a speeding ticket pay $164 per month for liability insurance. Compare liability insurance quotes from several insurance companies below.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $52 | $69 |
| State Farm | $54 | $70 |
| GEICO | $62 | $81 |
| Allstate | $79 | $103 |
| State Auto | $81 | $116 |
| National General | $82 | $107 |
| Travelers | $88 | $116 |
| Progressive | $90 | $117 |
| Safeco | $99 | $132 |
| CSAA | $111 | $148 |
| Clearcover | $114 | $149 |
| Nationwide | $115 | $151 |
| Bristol West | $132 | $174 |
| Shelter | $142 | $193 |
| Liberty Mutual | $151 | $210 |
| The General | $197 | $266 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Without sufficient insurance coverage after an accident, you may have to pay out of pocket for vehicle repairs and medical expenses, depending on the accident. Additionally, an accident can result in a substantial increase in your premiums, particularly if you caused it.
But if you have an at-fault accident on your record, you can still find affordable coverage on your auto insurance policy. The average cost of liability car insurance for Richmond drivers with a past accident is $165 per month.
Here are some of the cheapest liability insurance rates in the city.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $52 | $70 |
| State Farm | $54 | $72 |
| GEICO | $62 | $83 |
| Allstate | $79 | $106 |
| State Auto | $81 | $118 |
| National General | $82 | $109 |
| Travelers | $88 | $119 |
| Progressive | $90 | $123 |
| Safeco | $99 | $136 |
| CSAA | $111 | $155 |
| Clearcover | $114 | $166 |
| Nationwide | $115 | $156 |
| Bristol West | $132 | $177 |
| Shelter | $142 | $202 |
| Liberty Mutual | $151 | $215 |
| The General | $197 | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
A DUI can result in serious legal and financial consequences due to the severity of the offense. Insurers adjust rates for high-risk drivers and may even choose not to offer coverage in some cases.
On average, Richmond drivers with a DUI pay $189 per month for liability car insurance. The following insurance companies offer insurance to Richmond drivers with a DUI.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $52 | $84 |
| State Farm | $54 | $88 |
| GEICO | $62 | $100 |
| Allstate | $79 | $128 |
| State Auto | $81 | $131 |
| National General | $82 | $133 |
| Travelers | $88 | $143 |
| Progressive | $90 | $146 |
| Safeco | $99 | $153 |
| CSAA | $111 | $164 |
| Clearcover | $114 | $185 |
| Nationwide | $115 | $186 |
| Bristol West | $132 | $214 |
| Shelter | $142 | $208 |
| Liberty Mutual | $151 | $245 |
| The General | $197 | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
You can expect better auto rates as you age and have more experience behind the wheel. Rates decrease significantly between the ages of 25 and 35 and continue trending downward with age. But you may see a slight increase again around age 70, as age-related conditions can make senior drivers more susceptible to accidents on the road.
Senior drivers in Richmond pay $96 per month for liability insurance and $160 for full-coverage insurance, on average. The following auto insurers offer affordable coverage to senior drivers in Richmond.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $56 | $32 |
| Auto-Owners | $56 | $32 |
| GEICO | $69 | $40 |
| Progressive | $81 | $47 |
| National General | $82 | $50 |
| Allstate | $89 | $51 |
| State Auto | $92 | $53 |
| CSAA | $95 | $64 |
| Travelers | $96 | $55 |
| Safeco | $112 | $76 |
| Nationwide | $113 | $65 |
| Shelter | $134 | $77 |
| Clearcover | $138 | $93 |
| Liberty Mutual | $171 | $105 |
| Bristol West | $181 | $88 |
| The General | $208 | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Insurers typically charge young drivers higher rates to offset the risk of their lack of driving experience. As such, teenagers generally pay the highest rates for auto insurance. Young drivers can earn better rates by staying on their parents’ policy, driving a safe vehicle, or earning good grades to get a policy discount.
Teens can also shop for insurance companies that offer competitive rates for their age group, such as the ones below. On average, teens in Richmond pay $234 per month for liability insurance and $391 for full-coverage insurance.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $167 | $95 |
| State Farm | $181 | $103 |
| GEICO | $191 | $111 |
| Allstate | $271 | $156 |
| State Auto | $273 | $158 |
| National General | $285 | $174 |
| CSAA | $290 | $195 |
| Progressive | $295 | $171 |
| Safeco | $302 | $206 |
| Travelers | $305 | $175 |
| Clearcover | $331 | $223 |
| Nationwide | $391 | $224 |
| Shelter | $450 | $259 |
| Liberty Mutual | $459 | $281 |
| Bristol West | $499 | $244 |
| The General | $548 | $345 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Richmond
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Richmond car insurance quotes by credit tier
Insurance companies in Kentucky can use your credit history to assign your policy premiums. An excellent or good credit score indicates that you’re less likely to file a claim, which can result in lower rates. Meanwhile, a poor credit score indicates that you’re more likely to file a claim and can result in increased premiums.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Richmond?
Richmond drivers pay higher premiums than the national average rate of $105 per month for liability coverage and $197 for full coverage. Rates can vary by city and ZIP code within Kentucky, but drivers in the state pay $218 per month, on average, for full-coverage insurance and $132 for liability coverage.
Kentucky drivers face higher rates due to a risk of tornadoes in the area that increases the chance of property damage. And car insurance tends to cost more in no-fault states because each driver’s insurer must cover costs following an auto accident, regardless of fault.
Drivers in Kentucky cities with high crime rates and traffic congestion may pay higher premiums than Richmond drivers. For example, drivers in Louisville pay significantly higher rates for car insurance than in Richmond.
More cities in Kentucky
On average, drivers in Richmond pay $117 per month for liability car insurance and $196 for full-coverage insurance. Compare the average cost of car insurance for drivers in other Kentucky cities.
City | Liability Only | Full Coverage |
|---|---|---|
| Bowling Green | $122 | $197 |
| Elizabethtown | $119 | $225 |
| Florence | $96 | $157 |
| Henderson | $116 | $219 |
| Lexington | $130 | $209 |
| Louisville | $208 | $311 |
| Madisonville | $91 | $181 |
| Owensboro | $99 | $161 |
| Paducah | $125 | $207 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Richmond car insurance FAQs
Looking for the right amount of coverage from the best insurer for you can feel overwhelming. The information below should help you navigate the process of finding car insurance in Richmond.
How much is car insurance in Richmond?
On average, Richmond drivers pay $196 per month for full coverage and $117 for liability coverage. Your specific rate depends on your driving record, age, credit history, chosen coverage, and more.
Which company has the cheapest car insurance in Richmond?
Auto-Owners has the cheapest liability insurance in Richmond, with a rate of $52 per month. State Farm and GEICO also offer cheap car insurance in Richmond, with respective monthly liability insurance rates of $54 and $62.
What are the best car insurance companies in Richmond?
State Farm is the best car insurance company in Richmond, due to its Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and affordable coverage. Other top insurers include USAA, GEICO, and Auto-Owners.
What causes rates to increase in Kentucky?
Location-based factors like population, traffic congestion, crime rates, and weather can affect rates in different Kentucky cities and ZIP codes. Unfortunately, the state is prone to tornadoes, so insurers likely account for the added risk when determining premiums for Kentucky drivers.
Is Kentucky a no-fault state?
Yes. Kentucky is one of three “choice no-fault states.” This means drivers must purchase basic PIP coverage, and all drivers in the state have accepted tort rights — limitations on their rights to sue and be sued — unless rejected in writing and filed with the Kentucky Department of Insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Kentucky Transportation Cabinet. "Mandatory Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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