Cheapest Car Insurance Quotes in Richmond Heights

Finding the cheapest car insurance quotes in Richmond Heights shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Richmond Heights Car Insurance

^$ 71

/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 Richmond Heights

The car insurance rate in Richmond Heights is $1934 for a six-month policy, which is $309 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1152, making it a popular choice for budget-conscious drivers. Rates in 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 Richmond Heights

$1934

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Richmond Heights

1st place: Travelers

At $1152 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1286 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1407 for six months, making it the third cheapest auto insurance company in Richmond Heights.

Richmond Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Richmond Heights, FL is Travelers, offering policies at just $1152 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1286.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2842 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richmond Heights drivers find the best deals.

Cheap Car Insurance Companies in Richmond Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1152	$194
State Farm	$1286	$217
Nationwide	$1407	$237
Progressive	$1491	$251
United Automobile Ins Group	$1626	$271
UAIC	$1781	$303
Allstate	$2905	$484
Mercury	$3068	$521
MetLife	$1789	$305
Farmers	$2842	$474

Key Takeaways

Way's key takeaways about car insurance in Richmond Heights

The auto insurance costs in Richmond Heights fall around $1152 for six months.
The cheapest auto insurance company in Richmond Heights is Travelers.
Teen drivers pay the highest rate in Richmond Heights at $1643 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in 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 Richmond Heights are given below.

Travelers provides the cheapest minimum car insurance coverage in Richmond Heights. Their Average 6 Month Premium is $424. Farmers is the most expensive at $784 for the same period.

Cheapest Liability Coverage in Richmond Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$424	$71
State Farm	$459	$77
Mercury	$509	$86
Nationwide	$565	$96
MetLife	$594	$99
AIG	$664	$113
Progressive	$834	$140
United Automobile Ins Group	$856	$145
UAIC	$926	$155
Allstate	$1060	$179
Patrons Insurance	$149	$25
Farmers	$784	$131

Cheapest Full Coverage Car Insurance in 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 Richmond Heights is Travelers at $194 per month and $1152 for six months.

Cheapest Full Coverage Car Insurance Quotes in Richmond Heights, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1152	$194
State Farm	$1286	$217
Nationwide	$1407	$237
Progressive	$1491	$251
United Automobile Ins Group	$1626	$271
UAIC	$1781	$303
Allstate	$2905	$484
Mercury	$3068	$521
MetLife	$1789	$305
Farmers	$2842	$474

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Richmond Heights Instantly!

Average Car Insurance in 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 Richmond Heights, FL increasing?

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

Additionally, 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 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Richmond Heights,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Richmond Heights at $107 per month. At $9663 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$644	$107
AIG	$870	$148
Travelers	$1894	$319
State Farm	$2276	$383
UAIC	$3032	$511
United Automobile Ins Group	$4008	$682
Allstate	$4948	$833
Progressive	$6369	$1072
Mercury	$7535	$1269
Farmers	$9663	$1643

Teen Car Insurance Rates in FL by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Richmond Heights, Nationwide is the cheapest car insurance provider. At $770 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Richmond Heights is Farmers, offering rates of around $3931 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$770	$131
Mercury	$841	$140
Direct General Insurance	$877	$149
UAIC	$1704	$284
Travelers	$1866	$314
Progressive	$3280	$546
Allstate	$5754	$978
State Farm	$5888	$982
Farmers	$3931	$669

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in 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 Richmond Heights, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Richmond Heights include Nationwide and AIG, offering $813 and $1039, respectively. Farmers is an expensive provider with an average six-month premium of $3965.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$813	$136
AIG	$1039	$176
State Farm	$1209	$203
Travelers	$1230	$207
United Automobile Ins Group	$2113	$352
Mercury	$2184	$368
UAIC	$2212	$369
Progressive	$2898	$488
Allstate	$5160	$869
Farmers	$3965	$660

Richmond Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Richmond Heights FL. For example, the car insurance in Richmond Heights after a DUI increases to $1116 for a six month policy. While the rate increases by $339 for a six-month policy in the case of a speeding ticket.

Richmond Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2171	$362
One Med/PIP claim	$2171	$369
Not-at-fault accident	$2347	$392
Two Med/PIP claims	$2411	$409
One comp claim	$2445	$408
Child safety restraint	$2453	$417
Failure to wear a seat belt	$2453	$409
Driving without lights	$2460	$418
Failure to show documents	$2460	$411
Speeding 6 - 10 MPH over limit	$2510	$427
Improper passing	$2517	$419
Passing school bus	$2517	$428
Wrong way/wrong lane	$2517	$419
Failure to stop at a red light	$2524	$430
Failure to yield	$2524	$420
Illegal turn	$2524	$430
Cell phone violation	$2531	$421
Driving with expired registration	$2531	$431
Following too closely	$2531	$421
Texting while driving	$2537	$432
Two comp claims	$2594	$432
Driving too slowly	$2608	$444
Speeding in school zone	$2608	$434
Speeding 11 - 15 MPH over limit	$2616	$445
In 65 MPH zone	$2707	$451
Speeding 16 - 20 MPH over limit	$2707	$461
Speeding 21 - 25 MPH over limit	$2722	$453
Open container	$2750	$468
Operating a vehicle without permission	$2750	$458
At-fault accident - less than $1000	$2983	$507
At-fault accident - $1000-$2000	$3032	$506
At-fault accident - greater than $2000	$3032	$515
Racing	$3280	$546
DUI	$3287	$559
Refusal to submit to a chemical test	$3287	$547
Driving with a suspended license	$3344	$569
Reckless driving	$3414	$569
Leaving scene of an accident/hit and run	$3450	$587

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 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 Richmond Heights.

The cheapest car insurance premiums in Richmond Heights are offered by AIG at $764 for a six-month policy. However, it can be as expensive as $3231 with companies like Farmers.

Richmond Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$764	$130
Travelers	$1251	$211
Progressive	$1435	$242
State Farm	$1724	$290
Allstate	$2332	$393
UAIC	$2998	$500
Farmers	$3231	$538

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 Richmond Heights are offered by Nationwide at $664. However, it can be as expensive as $3450 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Richmond Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$664	$111
State Farm	$841	$142
Travelers	$954	$161
Allstate	$2503	$421
UAIC	$2736	$456
Progressive	$3351	$570
Farmers	$3450	$587

Car Insurance Price Trends in Richmond Heights, Florida

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

The average cost of full coverage in the Richmond Heights dipped by $305 in January compared to $328 of December. In other words, there has been an decrease by $23 when you compare January and December.

The average cost of liability insurance in the Richmond Heights dipped to $99 in January, compared to $100 in December. This represents an decrease of $1 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Richmond Heights?

The car insurance in Richmond Heights is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Richmond Heights?

The cheapest car insurance in Richmond Heights is $194 per month for full coverage.

How much is car insurance in Richmond Heights for teenagers?

Car insurance for teenagers costs $644 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 Richmond Heights?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $325 per month to insure your car in Richmond Heights.

Is car insurance expensive in Richmond Heights?

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

Cheapest Car Insurance Quotes in Richmond Heights

Why you can trust Way?

How Much Is Car Insurance in Richmond Heights

Avg. Car Insurance in Richmond Heights

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Richmond Heights

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Richmond Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in Richmond Heights, FL

Way's key takeaways about car insurance in Richmond Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Richmond Heights

Cheapest Liability Coverage in Richmond Heights, FL

Cheapest Full Coverage Car Insurance in Richmond Heights

Cheapest Full Coverage Car Insurance Quotes in Richmond Heights, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Richmond Heights by Rating Factor

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

Car Insurance Premiums by Age in Richmond Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Richmond Heights,FL

If you are in your twenties N/A is the best choice for car insurance in 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 Richmond Heights

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

Richmond Heights Car Insurance Rates by Violation

Richmond Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Richmond Heights after a DUI

Richmond Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Richmond Heights after Speeding ticket

Car Insurance Price Trends in Richmond Heights, Florida

Average Car Insurance Cost in Richmond Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Richmond Heights, FL

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

Featured Blogs

Data Sources