Cheapest Car Insurance Quotes in East Richmond Heights

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East Richmond Heights Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in East Richmond Heights

The car insurance rate in East Richmond Heights is $1320 for a six-month policy, which is $75 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $681, making it a popular choice for budget-conscious drivers. Rates in East Richmond Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in East Richmond Heights

$1320

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in East Richmond Heights

1st place: CSAA

At $681 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1090 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1108 for six months, making it the third cheapest auto insurance company in East Richmond Heights.

East Richmond Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in East Richmond Heights, CA is CSAA, offering policies at just $681 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1090.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1454 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help East Richmond Heights drivers find the best deals.

Cheap Car Insurance Companies in East Richmond Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$681	$114
Mercury	$1090	$183
AAA NorCal	$1108	$189
Progressive	$1108	$187
Wawanesa	$1159	$195
USAA	$1178	$198
Auto Club	$1208	$206
Allstate	$1347	$227
AAA SoCal	$1423	$242
Kemper	$1505	$251
State Farm	$1612	$271
Travelers	$1801	$300
Farmers	$1807	$307
AAA	$1454	$243

Key Takeaways

Way's key takeaways about car insurance in East Richmond Heights

The auto insurance costs in East Richmond Heights fall around $681 for six months.
The cheapest auto insurance company in East Richmond Heights is CSAA.
Teen drivers pay the highest rate in East Richmond Heights at $639 per month.

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Cheapest Minimum Liability Car Insurance in East Richmond Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in East Richmond Heights are given below.

CSAA provides the cheapest minimum car insurance coverage in East Richmond Heights. Their Average 6 Month Premium is $163. Travelers is the most expensive at $692 for the same period.

Cheapest Liability Coverage in East Richmond Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$163	$28
AAA NorCal	$270	$46
USAA	$308	$52
Progressive	$366	$61
Auto Club	$371	$61
Wawanesa	$390	$66
AAA	$447	$74
AAA SoCal	$454	$77
Mercury	$454	$76
State Farm	$497	$84
Allstate	$573	$96
Farmers	$617	$105
Travelers	$692	$116

Cheapest Full Coverage Car Insurance in East Richmond Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in East Richmond Heights is CSAA at $114 per month and $681 for six months.

Cheapest Full Coverage Car Insurance Quotes in East Richmond Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$681	$114
Mercury	$1090	$183
AAA NorCal	$1108	$189
Progressive	$1108	$187
Wawanesa	$1159	$195
USAA	$1178	$198
Auto Club	$1208	$206
Allstate	$1347	$227
AAA SoCal	$1423	$242
Kemper	$1505	$251
State Farm	$1612	$271
Travelers	$1801	$300
Farmers	$1807	$307
AAA	$1454	$243

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Average Car Insurance in East Richmond Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in East Richmond Heights, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in East Richmond Heights, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, East Richmond Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in East Richmond Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$636
30s	Wawanesa	$513
40s	Wawanesa	$513
50s	Wawanesa	$513
60s	Wawanesa	$513
70s	Wawanesa	$502

Cheapest Car Insurance Rates for Teen Drivers in East Richmond Heights,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the East Richmond Heights at $75 per month. At $3834 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$441	$75
Capital Insurance Group	$554	$92
USAA	$1442	$243
Wawanesa	$1473	$246
Progressive	$1688	$284
Mercury	$1750	$295
CSAA	$1857	$313
Auto Club	$2726	$455
State Farm	$2783	$469
Allstate	$3236	$545
AAA SoCal	$3425	$582
AAA NorCal	$3469	$578
Travelers	$3602	$613
Farmers	$3834	$639

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in East Richmond Heights.

As young drivers face the highest rates in East Richmond Heights, Wawanesa offers the cheapest auto insurance rates at $636 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in East Richmond Heights.

Car Insurance Rates with An Accident in East Richmond Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In East Richmond Heights, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in East Richmond Heights

The cheapest car insurance companies after an at-fault accident in East Richmond Heights include AAA and Capital Insurance Group, offering $396 and $579, respectively. Allstate is an expensive provider with an average six-month premium of $3658.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$396	$66
Capital Insurance Group	$579	$99
CSAA	$775	$130
USAA	$1272	$214
Mercury	$1392	$234
Progressive	$1454	$245
Wawanesa	$1637	$272
Auto Club	$1814	$308
Farmers	$1983	$334
AAA NorCal	$2248	$383
AAA SoCal	$2437	$406
State Farm	$2878	$484
Travelers	$3469	$578
Allstate	$3658	$616

East Richmond Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in East Richmond Heights CA. For example, the car insurance in East Richmond Heights after a DUI increases to $1845 for a six month policy. While the rate increases by $485 for a six-month policy in the case of a speeding ticket.

East Richmond Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
Not-at-fault accident	$1152	$196
One comp claim	$1152	$192
One Med/PIP claim	$1152	$196
Two comp claims	$1152	$192
Two Med/PIP claims	$1152	$196
At-fault accident - less than $1000	$1178	$196
Failure to show documents	$1518	$258
Driving with expired registration	$1549	$259
Driving without lights	$1549	$263
Failure to wear a seat belt	$1555	$260
Child safety restraint	$1568	$266
Speeding 11 - 15 MPH over limit	$1630	$271
Speeding 16 - 20 MPH over limit	$1630	$278
Driving too slowly	$1637	$272
Failure to stop at a red light	$1637	$279
Failure to yield	$1637	$272
Following too closely	$1637	$279
Illegal turn	$1637	$272
In 65 MPH zone	$1637	$279
Speeding 21 - 25 MPH over limit	$1637	$272
Speeding 6 - 10 MPH over limit	$1637	$279
Speeding in school zone	$1637	$272
Improper passing	$1643	$280
Cell phone violation	$1649	$275
Texting while driving	$1649	$281
Passing school bus	$1668	$278
Wrong way/wrong lane	$1951	$332
Operating a vehicle without permission	$1996	$333
At-fault accident - $1000-$2000	$2009	$341
At-fault accident - greater than $2000	$2009	$335
Open container	$2015	$342
Driving with a suspended license	$2336	$389
Reckless driving	$2846	$484
Racing	$2878	$479
Leaving scene of an accident/hit and run	$2890	$492
DUI	$2997	$499
Refusal to submit to a chemical test	$2997	$510

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in East Richmond Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in East Richmond Heights.

The cheapest car insurance premiums in East Richmond Heights are offered by Capital Insurance Group at $863 for a six-month policy. However, it can be as expensive as $793 with companies like AAA.

East Richmond Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$863	$144
Mercury	$1234	$208
Progressive	$1637	$276
Wawanesa	$1844	$314
Farmers	$2071	$349
CSAA	$2204	$371
USAA	$2273	$383
Travelers	$2581	$435
Auto Club	$3645	$607
AAA NorCal	$3986	$677
AAA SoCal	$4470	$745
State Farm	$5673	$955
Allstate	$5780	$973
AAA	$793	$135

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in East Richmond Heights are offered by CSAA at $101. However, it can be as expensive as $2771 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in East Richmond Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$101	$17
Capital Insurance Group	$554	$94
Mercury	$1190	$200
USAA	$1215	$207
Progressive	$1221	$206
AAA NorCal	$1405	$239
AAA SoCal	$1945	$324
Allstate	$2468	$420
Farmers	$2569	$428
State Farm	$2745	$466
Travelers	$2771	$462

Car Insurance Price Trends in East Richmond Heights, California

Car insurance rates in East Richmond Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the East Richmond Heights rose by $225 in January compared to $204 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the East Richmond Heights rose to $65 in January, compared to $58 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in East Richmond Heights?

The car insurance in East Richmond Heights is $28 per month, which is lower than the national average.

What is the cheapest car insurance in East Richmond Heights?

The cheapest car insurance in East Richmond Heights is $114 per month for full coverage.

How much is car insurance in East Richmond Heights for teenagers?

Car insurance for teenagers costs $441 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in East Richmond Heights?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $222 per month to insure your car in East Richmond Heights.

Is car insurance expensive in East Richmond Heights?

Car insurance can be expensive in East Richmond Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in East Richmond Heights can be affordable.

Cheapest Car Insurance Quotes in East Richmond Heights

Why you can trust Way?

How Much Is Car Insurance in East Richmond Heights

Avg. Car Insurance in East Richmond Heights

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in East Richmond Heights

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

East Richmond Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in East Richmond Heights, CA

Way's key takeaways about car insurance in East Richmond Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in East Richmond Heights

Cheapest Liability Coverage in East Richmond Heights, CA

Cheapest Full Coverage Car Insurance in East Richmond Heights

Cheapest Full Coverage Car Insurance Quotes in East Richmond Heights, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in East Richmond Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in East Richmond Heights, CA increasing?

Car Insurance Premiums by Age in East Richmond Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in East Richmond Heights,CA

If you are in your twenties Wawanesa is the best choice for car insurance in East Richmond Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in East Richmond Heights

Cheapest Car Insurance Companies after an At-Fault Accident in East Richmond Heights

East Richmond Heights Car Insurance Rates by Violation

East Richmond Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in East Richmond Heights after a DUI

East Richmond Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in East Richmond Heights after Speeding ticket

Car Insurance Price Trends in East Richmond Heights, California

Average Car Insurance Cost in East Richmond Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near East Richmond Heights, CA

Car Insurance Rates by State in the USA (2025 Update)

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