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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Cheapest recent rates near Richmond, Virginia
Recent Richmond, Virginia car insurance prices for Honda , and more.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The overall average cost of car insurance in Richmond is $155 per month, which is higher than the state average of $133 per month. Rates may be higher because of Richmond’s location near the coast and status as Virginia’s capital.
But your rates may vary depending on your age, driving history, and other factors. And you can compare quotes to find affordable coverage in the city. Here’s what you need to know before shopping for car insurance.
Quick Facts
The average cost of car insurance in Richmond is $115 per month for liability coverage and $196 for full coverage.
Auto-Owners is the cheapest full-coverage insurer in Richmond, with rates starting at $84 per month.
Starting in 2025, Virginia’s minimum-liability coverage requirements will increase considerably.[1]
3 of the cheapest car insurance companies in Richmond
Narrowing down the best auto insurance company for you will depend heavily on your personal preferences and what’s important to you. The quotes you receive will be affected by your age, driving history, level of coverage, and more.
Here’s an in-depth look at some of the cheapest insurance options based on different situations and needs such as liability-only coverage, an accident on record, and young drivers.
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
Auto-Owners
8.5
$72
$38
Liability coverage
GEICO
9.0
$99
$53
Drivers with a speeding ticket
State Farm
9.3
$73
$39
Teen drivers
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
8.5/10
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.
$44/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.
$84/mo
Auto-Owners has some of the lowest rates for liability-only auto insurance in Richmond. Auto-Owners also offers gap coverage and roadside assistance and multiple discounts for multiple policies, getting a quote in advance, and making on-time payments for 36 months.
Pros
Higher-than-average customer satisfaction in J.D. Power's 2023 U.S. Auto Claims Satisfaction Study
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.
9.0/10
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.
$62/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.
$115/mo
GEICO offers personalized auto coverage based on your needs. If you have a speeding ticket on your record, your rates may go up, but GEICO allows you to get a quote online and utilize discounts to save, especially after completing an approved defensive driving course or bundling your insurance policies, such as home and auto.
Pros
High customer ratings
Several discount options, including savings for completing an approved defensive driving course
Cons
Gap coverage for rideshare insurance not available
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.
$45/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.
$85/mo
State Farm, the largest U.S. auto insurer by market share, has some of the cheapest auto insurance rates in Richmond and offers several ways for teens to save on their premiums. Students who report good grades can save up to 25% on their premiums, and drivers younger than 25 can also enroll in the Steer Clear driver safety telematics program to receive a discount.
Pros
Variety of coverage options, including emergency roadside assistance and rental car coverage
Several discounts for young drivers
Cons
Gap insurance not available
Accident forgiveness only available to long-time customers
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
How to get the cheapest car insurance in Richmond
Finding the cheapest car insurance in Richmond depends on factors including your age, ZIP code, driving history, and desired level of coverage. While some of these factors are outside of your control, you can still do a few specific things to lower your insurance costs, including:
Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll maintain a clean driving record.
Improve your credit. Car insurance companies can consider your credit history to predict how likely you are to file a claim, so it’s important to maintain good credit to keep your rates lower.
Ask about discounts. Insurers offer several discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.
Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price.
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Cheapest liability-only car insurance in Richmond: Auto-Owners
If you’re at fault for an accident, liability-only car insurance covers damage to the other person’s vehicle and their medical expenses. In Richmond, drivers pay an average of $115 per month for liability coverage.
If you drive an older car or a car that’s already been paid off, liability-only car insurance may be an option for you. Here are some of the cheapest liability-only car insurance rates in Richmond.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$44
State Farm
$45
GEICO
$62
USAA
$62
Mercury
$64
Chubb
$68
Clearcover
$70
Erie
$70
Nationwide
$80
Midvale Home & Auto
$82
Safeco
$90
Direct Auto
$94
Progressive
$96
Allstate
$97
Elephant
$99
State Auto
$103
National General
$112
GAINSCO
$121
AssuranceAmerica
$122
Dairyland
$125
Travelers
$129
CSAA
$139
Liberty Mutual
$148
Bristol West
$153
The General
$181
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.
Keep in Mind
Insurance professionals generally recommend buying more than your state’s minimum required amount of liability insurance. Higher liability coverage limits provide better financial protection in case of an at-fault accident.
Cheapest full-coverage car insurance in Richmond: Auto-Owners
Full-coverage auto insurance includes liability, but it also includes collision insurance to cover damage to your vehicle or your medical expenses after an accident, and comprehensive coverage, which pays for non-accident damage to your car. If you have a car loan or lease, your leasing company and lender likely already require you to carry full-coverage insurance.
Full-coverage insurance may be a good option for you if you can’t afford to pay for vehicle repairs out of pocket. In Richmond, drivers pay an average of $196 per month for full coverage. Here are some of the cheapest full-coverage car insurance rates in Richmond.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$84
State Farm
$85
GEICO
$115
USAA
$115
Clearcover
$122
Chubb
$126
Erie
$132
Mercury
$140
Midvale Home & Auto
$140
Safeco
$140
Nationwide
$149
Direct Auto
$165
State Auto
$168
Elephant
$178
Allstate
$179
Progressive
$183
AssuranceAmerica
$202
National General
$218
CSAA
$220
Travelers
$240
Liberty Mutual
$244
GAINSCO
$286
Bristol West
$301
Dairyland
$305
The General
$347
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 recent rates near Richmond, Virginia
Recent Richmond, Virginia car insurance prices for Honda , and more.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Richmond, Virginia within the last 10 days. Last updated on July 25, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Most states require drivers to have minimum or liability-only insurance. Virginia will increase its minimum requirements on Jan. 1, 2025, to $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability. Here are the current car insurance requirements that Virginia drivers must have:[1]
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$20,000 per accident
Virginia also requires insurers to include uninsured motorist coverage in policies, but you can opt out of this coverage by notifying the insurer in writing. These are just minimum requirements. You might consider adding these coverages to their policies for more protection:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as severe weather damaging your car, theft, vandalism, and more.
Collision coverage
Collision coverage pays for car repairs after you hit a stationary object or another car, regardless of fault.
Gap coverage
Also called guaranteed asset protection, gap insurance pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Roadside assistance coverage
Roadside assistance helps cover the costs of towing, labor, and other services if your car breaks down.
Cheapest car insurance for drivers with an incident
Your driving history is one of the biggest factors that affects your car insurance rates. An at-fault accident can cause your insurance rates to go up for several years, as will other infractions like speeding tickets and driving under the influence.[2]
In the sections that follow, you’ll see how each infraction affects your rates differently.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you receive a citation for speeding, it can show up on your driving record and, depending on your insurer, could increase your rates. Richmond drivers pay an overall average of $216 per month for coverage with a speeding ticket.
Here are some of the average monthly quotes from insurers in Richmond when you have a speeding ticket on your record.
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
$44
$57
State Farm
$45
$57
GEICO
$62
$80
USAA
$62
$79
Mercury
$64
$88
Chubb
$68
$89
Clearcover
$70
$91
Erie
$70
$92
Nationwide
$80
$104
Midvale Home & Auto
$82
$109
Safeco
$90
$117
Direct Auto
$94
$121
Progressive
$96
$123
Allstate
$97
$124
Elephant
$99
$139
State Auto
$103
$143
National General
$112
$143
GAINSCO
$121
$170
AssuranceAmerica
$122
$159
Dairyland
$125
$161
Travelers
$129
$167
CSAA
$139
$183
Liberty Mutual
$148
$208
Bristol West
$153
$195
The General
$181
$235
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
Accidents can be dangerous, scary, and costly. In addition to having to repair your car after an accident, your insurance rates will likely go up. An accident can also stay on your driving record for three to five years, creating risk for insurers, which is why they may quote you a higher price.
Richmond drivers pay an overall average of $221 per month for coverage after an at-fault accident. Here are some monthly quotes from insurers in Richmond when you have an at-fault accident on your record.
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
$44
$59
State Farm
$45
$60
GEICO
$62
$83
USAA
$62
$83
Mercury
$64
$91
Chubb
$68
$92
Clearcover
$70
$100
Erie
$70
$95
Nationwide
$80
$108
Midvale Home & Auto
$82
$116
Safeco
$90
$117
Direct Auto
$94
$128
Progressive
$96
$130
Allstate
$97
$130
Elephant
$99
$130
State Auto
$103
$151
National General
$112
$151
GAINSCO
$121
$156
AssuranceAmerica
$122
$163
Dairyland
$125
$167
Travelers
$129
$174
CSAA
$139
$194
Liberty Mutual
$148
$216
Bristol West
$153
$202
The General
$181
$247
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
Driving under the influence is a serious offense that stays on your driving record for 11 years in Virginia. Having a DUI on your motor vehicle record is a major red flag for insurers, and they may raise your rates significantly or refuse to renew your policy. They may even cancel your policy mid-term, depending on the severity of the DUI infraction.
Richmond drivers pay an overall average of $252 per month for coverage with a DUI conviction on their records. Here are some of the rates Richmond insurers are offering for 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 Accident
Auto-Owners
$44
$73
State Farm
$45
$75
GEICO
$62
$103
USAA
$62
$103
Mercury
$64
$96
Chubb
$68
$113
Clearcover
$70
$116
Erie
$70
$116
Nationwide
$80
$133
Midvale Home & Auto
$82
$136
Safeco
$90
$149
Direct Auto
$94
$156
Progressive
$96
$159
Allstate
$97
$161
Elephant
$99
$164
State Auto
$103
$171
National General
$112
$186
GAINSCO
$121
$200
AssuranceAmerica
$122
$202
Dairyland
$125
$207
Travelers
$129
$214
CSAA
$139
$230
Liberty Mutual
$148
$245
Bristol West
$153
$253
The General
$181
$300
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
Generally, seniors have the cheapest car insurance rates of any age group. But rates typically rise for senior drivers around age 70 because of a heightened risk of accidents. This is, in part, due to slower reflexes but also to the increased risk of costly medical claims in the event of an accident.[3]
But if you’re a senior driver, you can still find cheap insurance rates if you keep a clean driving record and take advantage of discounts. Senior drivers in Richmond pay an overall average of $113 per month for car insurance.
Here are some of the best monthly insurance quotes for seniors in Richmond.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Auto-Owners
$62
$33
State Farm
$62
$33
GEICO
$86
$47
USAA
$86
$47
Chubb
$87
$47
Clearcover
$92
$53
Erie
$92
$49
Mercury
$100
$46
Midvale Home & Auto
$101
$59
Nationwide
$105
$56
Safeco
$108
$69
Direct Auto
$120
$68
State Auto
$121
$74
Progressive
$123
$64
Elephant
$133
$74
Allstate
$136
$73
AssuranceAmerica
$143
$87
National General
$160
$82
CSAA
$161
$102
Travelers
$177
$95
Liberty Mutual
$185
$112
GAINSCO
$223
$94
Bristol West
$227
$115
Dairyland
$229
$94
The General
$267
$139
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
Young drivers and teens also pay higher insurance rates than the general population. This is because insurers find that drivers younger than 25 get into more accidents and are more likely to engage in risky driving habits.[4] Richmond teen drivers pay an overall average of $276 per month for car insurance.
Some insurers offer discounts for student-age drivers who earn good grades or who complete a driver safety program. Young drivers may also save by staying on their parents’ insurance. Drivers younger than 18 won't be able to buy their own policies without the written consent of a parent or guardian.
Here are the cheapest insurers for teen drivers in Richmond.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Auto-Owners
$144
$75
State Farm
$144
$76
GEICO
$181
$98
USAA
$191
$103
Erie
$222
$118
Chubb
$233
$126
Clearcover
$236
$136
Midvale Home & Auto
$241
$141
Mercury
$254
$116
Nationwide
$255
$137
Safeco
$289
$186
Elephant
$293
$163
State Auto
$298
$182
Direct Auto
$300
$171
Allstate
$314
$170
Progressive
$329
$173
CSAA
$359
$227
AssuranceAmerica
$374
$226
National General
$420
$216
Travelers
$431
$232
Liberty Mutual
$447
$271
GAINSCO
$506
$214
Dairyland
$507
$208
Bristol West
$511
$260
The General
$559
$292
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.
Virginia is one of many states that allow insurers to use your credit history as a factor when calculating insurance rates. An excellent credit score is considered anything above 720, and the higher your credit, the better chances you’ll have a lower insurance rate.
But it’s important to note that a lower credit score doesn’t always guarantee you’ll have higher insurance rates. It all depends on the insurer and how it weighs other factors like your age, driving history, and location.
Here are the average monthly quotes for Richmond based on your credit tier.
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?
The overall average cost of car insurance in Richmond is $155 per month, which is a little higher than the average cost for the state of Virginia of $133 per month. Insurance in Richmond is much higher than in other large Virginia cities like Arlington and Alexandria.
Drivers in larger cities with more traffic may pay higher car insurance rates, especially if there are more accidents or higher vehicle repair costs.
More cities in Virginia
Here’s how average monthly car insurance quotes differ in other Virginia cities compared to Richmond.
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 more information about securing the best car insurance rates in Richmond? Consult the answers below.
How much is car insurance in Richmond?
The average cost of car insurance in Richmond is $115 per month for liability coverage and $196 for full coverage.
What are the best car insurance companies in Richmond?
Auto-Owners, State Farm, and GEICO are the top insurers in Richmond. Each has a high IQ Score, and Auto-Owners and GEICO offer several discounts. State Farm’s customer service is continually ranked among the industry’s best.
What are the cheapest car insurance companies in Richmond?
Auto-Owners, State Farm, and GEICO are the cheapest liability auto insurance companies in Richmond. These insurers have rates as low as $44, $45, and $62 per month, respectively.
What’s the Virginia minimum car insurance coverage?
Drivers in Virginia must maintain coverage that amounts to at least $30,000 for injury or death of one person and $60,000 for injury or death of two or more. They must also maintain property damage coverage of $20,000. But on Jan. 1, 2025, these numbers will climb to $50,000, $100,000, and $25,000, respectively. Insurers also must include uninsured motorist coverage in auto policies, but you can decline the coverage by sending a letter to your insurer.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Auto-Owners
GEICO
State Farm
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