Cheapest Auto Insurance in Richmond, Kentucky (2026)
Progressive has the cheapest liability insurance in Richmond, with a cost of $58 per month.
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ 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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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
The average cost of liability car insurance in Richmond is $115 per month, which is similar to the Kentucky state average of $120. 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 $98.
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 Progressive, National General, and Auto-Owners.
On average, Richmond drivers pay $175 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 | 7.0 | $125 | $73 | Cheap rates |
| State Farm | 9.3 | $130 | $78 | Teen drivers |
| USAA | 9.1 | $160 | $95 | Military members |
Best insurer for cheap rates: National General
| User Reviews | 3.7 |
|---|---|
| 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. | 7 /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. | $69/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 |
3.7
A solid option in Richmond, KYBased on 1,250 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond for
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Showing 3 Kentucky reviews for Richmond drivers - See all 400 National General reviews
Rosy
Verified Review
Good
Reviewed in Kentucky on March 14, 2026
The price is way too high for an almost 20-year-old car.
Steven
Verified Review
Insurance costs too much
Reviewed in Kentucky on February 14, 2026
Be cautious about getting pulled over or being involved in an accident, and pay attention to the district or area in the city where you live. Redlining still exists.
Sonja
Verified Review
Great insurance company
Reviewed in Kentucky on September 19, 2025
They are one of the most inexpensive insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.25A.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 | 4.0 |
|---|---|
| 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. | $73/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. | $121/mo |
4.0
Best choice in Richmond, KYBased on 17,962 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond for
Customer service
Competitive rates
Discounts for safe drivers
Showing 37 Kentucky reviews for Richmond drivers - See all 7,527 State Farm reviews
Connie
Verified Review
State Farm Satisfied Customer
Reviewed in Kentucky on May 3, 2026
I have only had two claims in the past thirty years or so. In both instances (one auto and one home), I could not have asked for a better response to my claims.
Joan
Verified Review
State Farm
Reviewed in Kentucky on April 28, 2026
I was given one amount, and the second bill doubled with State Farm.
Randall
Verified Review
Insurance for Kentucky is way overpriced
Reviewed in Kentucky on April 17, 2026
Need cheaper rates! We are retired and need all the financial help we can receive.
Melissa
Verified Review
State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.
Reviewed in Kentucky on April 13, 2026
State Farm has always been a great car insurance company. They have helped me when I needed it in any situation.
Sherry
Verified Review
Too Expensive
Reviewed in Kentucky on April 13, 2026
State Farm is such a great insurance company. I have nothing really bad to say about them except my rate was too high. I'm 55 and disabled, and there's no way I should have been paying over $300 a month for full coverage insurance for my 2012 Equinox. So I started searching around and was more specific with my search and found a cheaper rate with the same perks and options. Cheaper, but I think State Farm is still a good company.
Jessica
Verified Review
Drive Safe and Save... Yourself the Headache
Reviewed in Kentucky on April 9, 2026
Due to the lack of insurance adjusters and their use of artificial intelligence through third parties to process claims, you are looking at a total loss in the event of an accident, with them keeping the vehicle to auction and recover some of their money. Vehicles are grossly undervalued with this company.
Pamela
Verified Review
No transparency
Reviewed in Kentucky on April 7, 2026
Premium hike and no explanation of why.
Kimberly
Verified Review
Great customer service
Reviewed in Kentucky on March 20, 2026
Super easy to deal with. Cheapest price around. Great customer service.
Gracie
Verified Review
Too High
Reviewed in Kentucky on March 14, 2026
I would say it's a good insurance company if you can afford the price. It's way too high for me.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.1 /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. | $89/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. | $149/mo |
4.9
Best choice in Richmond, KYBased on 3,607 verified driver 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond 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.
Based on analysis of verified reviews collected by Insurify
Best in Richmond for
Members of the military community
Outstanding customer service
Competitive rates
Showing 4 Kentucky reviews for Richmond drivers - See all 1,571 USAA reviews
Maria
Verified Review
Excellent
Reviewed in Kentucky on March 12, 2026
Ussa is outstanding insurance but too expensive.
James
Verified Review
Great service and well laid out.
Reviewed in Kentucky on January 19, 2026
I had them before and I can’t remember why I left. But I'm happy to be back.
Yolande
Verified Review
It was easy to complete
Reviewed in Kentucky on December 10, 2025
It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.
Lisa
Verified Review
Rough on Life Changes
Reviewed in Kentucky on October 15, 2025
Until my divorce, USAA had been wonderful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 $58 per month
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Cheapest liability-only car insurance in Richmond: Progressive
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 $115 per month for liability insurance. Here are the cheapest companies offering liability-only coverage in Richmond.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $58 |
| National General | $69 |
| Auto-Owners | $70 |
| State Farm | $73 |
| GEICO | $82 |
| Safeco | $85 |
| Allstate | $105 |
| The General | $106 |
| State Auto | $108 |
| Liberty Mutual | $116 |
| Bristol West | $118 |
| Travelers | $118 |
| Nationwide | $155 |
| Shelter | $190 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Richmond: National General
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 $175 per month. Here are the cheapest average rates for full-coverage insurance in Richmond.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| National General | $116 |
| Auto-Owners | $117 |
| Safeco | $118 |
| Progressive | $119 |
| State Farm | $121 |
| CSAA | $130 |
| GEICO | $137 |
| Liberty Mutual | $174 |
| Allstate | $177 |
| State Auto | $180 |
| Travelers | $196 |
| Bristol West | $231 |
| The General | $238 |
| Nationwide | $259 |
| Shelter | $317 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond 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 $137 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
Recent Richmond, Kentucky car insurance prices for Nissan, Toyota, Subaru, and more.
*Quotes generated for Insurify users in and around Richmond, Kentucky within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with a speeding ticket: Progressive
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 $146 per month for liability insurance. Compare liability insurance quotes from several insurance companies below.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $58 | $73 |
| National General | $69 | $87 |
| Auto-Owners | $70 | $92 |
| State Farm | $73 | $93 |
| GEICO | $82 | $108 |
| Safeco | $85 | $112 |
| Allstate | $105 | $137 |
| The General | $106 | $143 |
| State Auto | $108 | $144 |
| Liberty Mutual | $116 | $149 |
| Bristol West | $118 | $150 |
| Travelers | $118 | $154 |
| Nationwide | $155 | $202 |
| Shelter | $190 | $254 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
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 $152 per month.
Here are some of the cheapest liability insurance rates in the city.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $58 | $76 |
| National General | $69 | $92 |
| Auto-Owners | $70 | $93 |
| State Farm | $73 | $97 |
| GEICO | $82 | $108 |
| Safeco | $85 | $118 |
| Allstate | $105 | $141 |
| The General | $106 | $146 |
| State Auto | $108 | $148 |
| Liberty Mutual | $116 | $154 |
| Bristol West | $118 | $156 |
| Travelers | $118 | $159 |
| Nationwide | $155 | $209 |
| Shelter | $190 | $258 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
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 $143 per month for liability car insurance. The following insurance companies offer insurance to Richmond drivers with a DUI.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $58 | $72 |
| National General | $69 | $92 |
| Auto-Owners | $70 | $94 |
| State Farm | $73 | $98 |
| GEICO | $82 | $109 |
| Safeco | $85 | $121 |
| Allstate | $105 | $141 |
| The General | $106 | $137 |
| State Auto | $108 | $138 |
| Liberty Mutual | $116 | $155 |
| Bristol West | $118 | $158 |
| Travelers | $118 | $158 |
| Nationwide | $155 | $208 |
| Shelter | $190 | $257 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
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 $101 per month for liability insurance and $153 for full-coverage insurance, on average. The following auto insurers offer affordable coverage to senior drivers in Richmond.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $74 | $44 |
| State Farm | $74 | $45 |
| National General | $76 | $45 |
| GEICO | $89 | $53 |
| Safeco | $94 | $68 |
| Progressive | $96 | $47 |
| State Auto | $111 | $66 |
| Allstate | $118 | $70 |
| Liberty Mutual | $124 | $82 |
| Travelers | $131 | $79 |
| Nationwide | $155 | $93 |
| Shelter | $165 | $99 |
| Bristol West | $168 | $86 |
| The General | $183 | $82 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
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 $196 per month for liability insurance and $298 for full-coverage insurance.
The below rates in Richmond, KY, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Progressive | $203 | $99 |
| National General | $226 | $134 |
| State Farm | $228 | $138 |
| Auto-Owners | $232 | $139 |
| Safeco | $233 | $168 |
| GEICO | $240 | $144 |
| Liberty Mutual | $295 | $197 |
| Allstate | $341 | $202 |
| Bristol West | $397 | $203 |
| Travelers | $398 | $240 |
| The General | $414 | $185 |
| State Auto | $428 | $257 |
| Nationwide | $491 | $294 |
| Shelter | $615 | $369 |
Disclaimer: Table data sourced from real-time Richmond car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Richmond may vary based on the policy buyer's unique driver profile.
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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 $98 per month for liability coverage and $187 for full coverage. Rates can vary by city and ZIP code within Kentucky, but drivers in the state pay $190 per month, on average, for full-coverage insurance and $120 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 $115 per month for liability car insurance and $175 for full-coverage insurance. Compare the average cost of car insurance for drivers in other Kentucky cities.
City | Liability Only | Full Coverage |
|---|---|---|
| Bowling Green | $114 | $184 |
| Elizabethtown | $117 | $179 |
| Florence | $104 | $164 |
| Henderson | $113 | $179 |
| Lexington | $122 | $187 |
| Louisville | $194 | $272 |
| Madisonville | $96 | $199 |
| Owensboro | $104 | $171 |
| Paducah | $116 | $194 |
Disclaimer: Table data is based on real-time Richmond quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $175 per month for full coverage and $115 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?
Progressive has the cheapest liability insurance in Richmond, with a rate of $58 per month. National General and Auto-Owners also offer cheap car insurance in Richmond, with respective monthly liability insurance rates of $69 and $70.
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 10, 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 190 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 500+ 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.
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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 AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.