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 $241 per month for liability insurance.
Drivers with a clean record tend to earn the most affordable insurance rates.[4]
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 $253 per month for liability insurance. Compare liability insurance quotes from several insurance companies below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|
| Auto-Owners | $57 | $73 |
|---|
| State Farm | $60 | $76 |
|---|
| GEICO | $68 | $87 |
|---|
| National General | $71 | $90 |
|---|
| Safeco | $83 | $107 |
|---|
| Allstate | $87 | $111 |
|---|
| State Auto | $88 | $122 |
|---|
| Travelers | $97 | $125 |
|---|
| Progressive | $98 | $125 |
|---|
| Clearcover | $107 | $138 |
|---|
| Liberty Mutual | $110 | $154 |
|---|
| Nationwide | $127 | $163 |
|---|
| CSAA | $142 | $185 |
|---|
| Shelter | $156 | $207 |
|---|
| Bristol West | $166 | $210 |
|---|
| The General | $233 | $301 |
|---|
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 $256 per month.
Here are some of the cheapest liability insurance rates in the city.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With Accident |
|---|
| Auto-Owners | $57 | $75 |
|---|
| State Farm | $60 | $79 |
|---|
| GEICO | $68 | $90 |
|---|
| National General | $71 | $94 |
|---|
| Safeco | $83 | $106 |
|---|
| Allstate | $87 | $115 |
|---|
| State Auto | $88 | $127 |
|---|
| Travelers | $97 | $129 |
|---|
| Progressive | $98 | $131 |
|---|
| Clearcover | $107 | $151 |
|---|
| Liberty Mutual | $110 | $158 |
|---|
| Nationwide | $127 | $169 |
|---|
| CSAA | $142 | $196 |
|---|
| Shelter | $156 | $214 |
|---|
| Bristol West | $166 | $216 |
|---|
| The General | $233 | $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.
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 $293 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: Monday, July 1 at 12:00 PM PDT.
| Insurance Company | Clean Driving Record | With DUI |
|---|
| Auto-Owners | $57 | $93 |
|---|
| State Farm | $60 | $98 |
|---|
| GEICO | $68 | $111 |
|---|
| National General | $71 | $116 |
|---|
| Safeco | $83 | $136 |
|---|
| Allstate | $87 | $143 |
|---|
| State Auto | $88 | $144 |
|---|
| Travelers | $97 | $159 |
|---|
| Progressive | $98 | $161 |
|---|
| Clearcover | $107 | $175 |
|---|
| Liberty Mutual | $110 | $180 |
|---|
| Nationwide | $127 | $208 |
|---|
| CSAA | $142 | $233 |
|---|
| Shelter | $156 | $256 |
|---|
| Bristol West | $166 | $272 |
|---|
| The General | $233 | $382 |
|---|
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.
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