Cheapest Car Insurance Quotes in Richland

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Richland Car Insurance

^$ 65

/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 $1325 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $826, 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

$1325

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Richland

1st place: New Jersey Manufacturers

At $826 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $998 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1010 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, NJ is New Jersey Manufacturers, offering policies at just $826 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $998.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2205 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, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$826	$138
New Jersey Skylands Insurance	$998	$170
NJM	$1010	$170
Plymouth Rock	$1100	$185
Progressive	$1157	$195
Travelers	$1233	$208
Amica Mutual	$1398	$233
Allstate	$1442	$243
State Farm	$1557	$262
Selective	$1646	$277
Farmers	$2205	$368

Key Takeaways

Way's key takeaways about car insurance in Richland

The auto insurance costs in Richland fall around $826 for six months.
The cheapest auto insurance company in Richland is New Jersey Manufacturers.
Teen drivers pay the highest rate in Richland at $1119 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.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Richland. Their Average 6 Month Premium is $381. Farmers is the most expensive at $1100 for the same period.

Cheapest Liability Coverage in Richland, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$381	$65
Plymouth Rock	$515	$87
NJM	$528	$89
New Jersey Skylands Insurance	$560	$93
Amica Mutual	$572	$97
Amica	$655	$109
Progressive	$655	$110
Travelers	$674	$113
State Farm	$705	$119
Allstate	$782	$132
Selective	$871	$147
Farmers	$1100	$183

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 New Jersey Manufacturers at $138 per month and $826 for six months.

Cheapest Full Coverage Car Insurance Quotes in Richland, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$826	$138
New Jersey Skylands Insurance	$998	$170
NJM	$1010	$170
Plymouth Rock	$1100	$185
Progressive	$1157	$195
Travelers	$1233	$208
Amica Mutual	$1398	$233
Allstate	$1442	$243
State Farm	$1557	$262
Selective	$1646	$277
Farmers	$2205	$368

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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, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Richland, New Jersey, may be increasing due to several external factors. New Jersey 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	NJM	$821
30s	NJM	$638
40s	NJM	$591
50s	NJM	$545
60s	NJM	$502

Cheapest Car Insurance Rates for Teen Drivers in Richland,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Richland at $97 per month. At $6585 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$572	$97
NJM	$1144	$193
New Jersey Manufacturers	$1894	$322
Travelers	$2670	$449
Selective	$2892	$487
Plymouth Rock	$3000	$505
Amica Mutual	$3349	$569
Allstate	$3636	$612
Progressive	$3673	$618
State Farm	$4354	$733
Farmers	$6585	$1119

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Richland.

As young drivers face the highest rates in Richland, NJM offers the cheapest auto insurance rates at $821 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, Amica Mutual is the cheapest car insurance provider. At $699 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 $7735 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$699	$119
New Jersey Skylands Insurance	$877	$147
Foremost	$979	$167
NJM	$1226	$207
Progressive	$1576	$265
Plymouth Rock	$1627	$274
Farmers	$2923	$498
Selective	$3381	$564
Travelers	$3610	$614
Allstate	$3781	$630
State Farm	$7735	$1315

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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, NJ, 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 New Jersey Skylands Insurance and NJM, offering $674 and $718, respectively. Farmers is an expensive provider with an average six-month premium of $4271.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$674	$112
NJM	$718	$121
New Jersey Manufacturers	$871	$146
Plymouth Rock	$908	$153
Amica Mutual	$1081	$182
Progressive	$1519	$256
Selective	$2060	$347
Travelers	$2110	$355
State Farm	$2441	$411
Allstate	$3813	$642
Farmers	$4271	$712

Richland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Richland NJ. For example, the car insurance in Richland after a DUI increases to $1348 for a six month policy. While the rate increases by $185 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	$1239	$207
One Med/PIP claim	$1245	$212
Not-at-fault accident	$1303	$217
One comp claim	$1316	$224
Two Med/PIP claims	$1323	$220
Speeding 6 - 10 MPH over limit	$1424	$242
Speeding 11 - 15 MPH over limit	$1431	$239
Two comp claims	$1431	$243
Failure to show documents	$1449	$242
At-fault accident - less than $1000	$1468	$249
Failure to wear a seat belt	$1487	$248
Driving too slowly	$1494	$254
Driving without lights	$1500	$250
Child safety restraint	$1526	$259
Driving with expired registration	$1526	$255
Wrong way/wrong lane	$1550	$263
Failure to yield	$1557	$260
Failure to stop at a red light	$1563	$265
Illegal turn	$1589	$265
Cell phone violation	$1608	$274
Texting while driving	$1608	$268
Speeding in school zone	$1634	$278
Operating a vehicle without permission	$1640	$273
Speeding 16 - 20 MPH over limit	$1640	$279
Improper passing	$1678	$279
Following too closely	$1684	$287
Passing school bus	$1754	$292
In 65 MPH zone	$1767	$301
Speeding 21 - 25 MPH over limit	$1824	$304
At-fault accident - $1000-$2000	$1875	$319
At-fault accident - greater than $2000	$1887	$315
Open container	$2110	$358
Reckless driving	$2473	$412
Leaving scene of an accident/hit and run	$2568	$437
DUI	$2587	$431
Refusal to submit to a chemical test	$2587	$440
Racing	$2594	$432
Driving with a suspended license	$2695	$458

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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 Plymouth Rock at $782 for a six-month policy. However, it can be as expensive as $5841 with companies like State Farm.

Richland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$782	$132
Foremost	$858	$143
NJM	$865	$146
Mercury	$992	$165
New Jersey Manufacturers	$1068	$182
Progressive	$1087	$183
Travelers	$1640	$276
Allstate	$1963	$331
Selective	$2415	$407
Farmers	$2784	$464
Amica Mutual	$5523	$939
State Farm	$5841	$983

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 Plymouth Rock at $724. However, it can be as expensive as $3738 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Richland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$724	$122
NJM	$921	$155
Progressive	$1271	$214
Selective	$1831	$305
State Farm	$1855	$316
Travelers	$2129	$355
Allstate	$3102	$528
Farmers	$3738	$623

Car Insurance Price Trends in Richland, New Jersey

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 $310 in January compared to $263 of December. In other words, there has been an increase by $47 when you compare January and December.

The average cost of liability insurance in the Richland rose to $104 in January, compared to $92 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Richland?

The car insurance in Richland is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Richland?

The cheapest car insurance in Richland is $138 per month for full coverage.

How much is car insurance in Richland for teenagers?

Car insurance for teenagers costs $572 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 $1238 for a six-month policy. It will cost around $223 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 New Jersey

National Average

Cheapest Car Insurance Companies in Richland

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Richland Car Insurance Rates by Company

Cheap Car Insurance Companies in Richland, NJ

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, NJ

Cheapest Full Coverage Car Insurance in Richland

Cheapest Full Coverage Car Insurance Quotes in Richland, NJ

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, NJ 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,NJ

If you are in your twenties NJM 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, New Jersey

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, NJ

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

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