Cheapest Car Insurance Quotes in Richland

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Richland Car Insurance

^$ 35

/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 Richland

The car insurance rate in Richland is $964 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $352, making it a popular choice for budget-conscious drivers. Rates in Richland 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 Richland

$964

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Richland

1st place: Country Financial

At $352 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $463 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $619 for six months, making it the third cheapest auto insurance company in Richland.

Richland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Richland, GA is Country Financial, offering policies at just $352 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $463.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1351 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richland drivers find the best deals.

Cheap Car Insurance Companies in Richland, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$352	$60
Auto-Owners Insurance Co	$463	$77
Farm Bureau	$619	$105
Georgia Farm Bureau	$682	$114
Auto-Owners	$994	$167
USAA	$1027	$173
Progressive	$1212	$204
Mercury	$1251	$209
Allstate	$1318	$222
Esurance P&C Ins Co	$1346	$225
State Farm	$1351	$227

Key Takeaways

Way's key takeaways about car insurance in Richland

The auto insurance costs in Richland fall around $352 for six months.
The cheapest auto insurance company in Richland is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Richland at $1156 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 Richland

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 Richland are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Richland. Their Average 6 Month Premium is $207. Allstate is the most expensive at $709 for the same period.

Cheapest Liability Coverage in Richland, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$207	$35
Farm Bureau	$262	$44
Georgia Farm Bureau	$279	$47
Auto-Owners	$335	$56
Mercury	$335	$56
Country Financial	$357	$60
USAA	$374	$63
Progressive	$414	$70
Central Insurance	$435	$72
State Farm	$642	$108
Allstate	$709	$119

Cheapest Full Coverage Car Insurance in Richland

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 Richland is Country Financial at $60 per month and $352 for six months.

Cheapest Full Coverage Car Insurance Quotes in Richland, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$352	$60
Auto-Owners Insurance Co	$463	$77
Farm Bureau	$619	$105
Georgia Farm Bureau	$682	$114
Auto-Owners	$994	$167
USAA	$1027	$173
Progressive	$1212	$204
Mercury	$1251	$209
Allstate	$1318	$222
Esurance P&C Ins Co	$1346	$225
State Farm	$1351	$227

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Average Car Insurance in Richland 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 Richland, GA increasing?

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

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

Car Insurance Premiums by Age in Richland

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	Georgia Farm Bureau	$667
30s	Georgia Farm Bureau	$534
40s	Georgia Farm Bureau	$512
50s	Georgia Farm Bureau	$491
60s	Georgia Farm Bureau	$487
70s	Georgia Farm Bureau	$589

Cheapest Car Insurance Rates for Teen Drivers in Richland,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Richland at $49 per month. At $6868 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$296	$49
Mercury	$352	$60
Country Financial	$419	$71
Central Insurance	$435	$74
USAA	$1653	$278
Auto-Owners	$1815	$306
Georgia Farm Bureau	$1893	$316
Farm Bureau	$1977	$337
State Farm	$4896	$824
Allstate	$4925	$829
Progressive	$6868	$1156

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Richland.

As young drivers face the highest rates in Richland, Georgia Farm Bureau offers the cheapest auto insurance rates at $667 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Richland, Country Financial is the cheapest car insurance provider. At $290 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 Richland is State Farm, offering rates of around $4216 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$290	$48
Mercury	$340	$58
Farm Bureau	$619	$103
USAA	$1346	$228
Progressive	$2077	$346
Auto-Owners	$2184	$371
Allstate	$2378	$397
State Farm	$4216	$717

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

Car Insurance Rates with An Accident in Richland

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 Richland, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Richland

The cheapest car insurance companies after an at-fault accident in Richland include AutoOwners Insurance Co and Country Financial, offering $307 and $475, respectively. Allstate is an expensive provider with an average six-month premium of $2021.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$307	$51
Country Financial	$475	$80
Encompass	$525	$87
Central Insurance	$575	$98
Farm Bureau	$682	$114
Georgia Farm Bureau	$838	$143
Auto-Owners	$849	$143
USAA	$910	$153
Progressive	$1681	$283
State Farm	$1703	$287
Allstate	$2021	$340

Richland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Richland GA. For example, the car insurance in Richland after a DUI increases to $1016 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Richland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1195	$199
One Med/PIP claim	$1195	$203
One comp claim	$1200	$200
Two Med/PIP claims	$1200	$204
Not-at-fault accident	$1206	$201
Two comp claims	$1223	$208
Driving without lights	$1441	$240
Failure to wear a seat belt	$1441	$245
Child safety restraint	$1457	$243
Failure to show documents	$1457	$248
Cell phone violation	$1491	$248
Texting while driving	$1491	$254
Driving too slowly	$1513	$252
Speeding 6 - 10 MPH over limit	$1513	$258
Speeding in school zone	$1513	$252
Speeding 11 - 15 MPH over limit	$1519	$259
Driving with expired registration	$1525	$254
Failure to yield	$1525	$259
Following too closely	$1525	$254
Illegal turn	$1525	$259
Failure to stop at a red light	$1530	$255
Improper passing	$1530	$260
Speeding 16 - 20 MPH over limit	$1530	$255
Wrong way/wrong lane	$1530	$260
Speeding 21 - 25 MPH over limit	$1546	$258
Passing school bus	$1575	$268
In 65 MPH zone	$1580	$263
Open container	$1603	$273
At-fault accident - less than $1000	$1608	$268
Operating a vehicle without permission	$1630	$277
At-fault accident - $1000-$2000	$1753	$292
At-fault accident - greater than $2000	$1764	$300
Refusal to submit to a chemical test	$2066	$344
Reckless driving	$2127	$362
Racing	$2178	$363
Driving with a suspended license	$2184	$371
DUI	$2211	$368
Leaving scene of an accident/hit and run	$2267	$385

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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 Richland 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 Richland.

The cheapest car insurance premiums in Richland are offered by Mercury at $357 for a six-month policy. However, it can be as expensive as $1608 with companies like Progressive.

Richland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$357	$61
Auto-Owners Insurance Co	$463	$77
Country Financial	$503	$85
Esurance P&C Ins Co	$693	$116
Auto-Owners	$1105	$186
Farm Bureau	$1200	$200
USAA	$1301	$219
Georgia Farm Bureau	$1346	$225
State Farm	$1457	$245
Allstate	$1541	$259
Progressive	$1608	$271

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 Richland are offered by AutoOwners Insurance Co at $240. However, it can be as expensive as $1825 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Richland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$240	$40
Country Financial	$262	$44
Mercury	$374	$64
Farm Bureau	$682	$114
Auto-Owners	$832	$141
USAA	$904	$150
State Farm	$1183	$201
Allstate	$1608	$268
Progressive	$1825	$310

Car Insurance Price Trends in Richland, Georgia

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

The average cost of full coverage in the Richland rose by $212 in December compared to $208 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Richland rose to $68 in December, compared to $64 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Richland?

The car insurance in Richland is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Richland?

The cheapest car insurance in Richland is $60 per month for full coverage.

How much is car insurance in Richland for teenagers?

Car insurance for teenagers costs $296 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 Richland?

The average cost of car insurance is $1026 for a six-month policy. It will cost around $162 per month to insure your car in Richland.

Is car insurance expensive in Richland?

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

Cheapest Car Insurance Quotes in Richland

Why you can trust Way?

How Much Is Car Insurance in Richland

Avg. Car Insurance in Richland

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Richland

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Richland Car Insurance Rates by Company

Cheap Car Insurance Companies in Richland, GA

Way's key takeaways about car insurance in Richland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Richland

Cheapest Liability Coverage in Richland, GA

Cheapest Full Coverage Car Insurance in Richland

Cheapest Full Coverage Car Insurance Quotes in Richland, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Richland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Richland, GA increasing?

Car Insurance Premiums by Age in Richland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Richland,GA

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Richland.

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 Richland

Cheapest Car Insurance Companies after an At-Fault Accident in Richland

Richland Car Insurance Rates by Violation

Richland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Richland after a DUI

Richland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Richland after Speeding ticket

Car Insurance Price Trends in Richland, Georgia

Average Car Insurance Cost in Richland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Richland, GA

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

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