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Finding the cheapest car insurance quotes in Richardsville 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.
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 Richardsville
The car insurance rate in Richardsville is $670 for a six-month policy, which is $32 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Richardsville 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.
At $386 for a six
month policy, Virginia Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: American Family
American Family offers auto
insurance rates at $474 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto insurance
rates at $480
for six months, making it
the third cheapest auto insurance company in Richardsville.
Richardsville Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Richardsville, VA is Virginia Farm Bureau, offering policies at just $386 for a six-month term. This is followed by American Family, which has an average six-month premium of $474.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1210 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richardsville drivers find the best deals.
Cheap Car Insurance Companies in Richardsville, VA
Way's key takeaways about car insurance in Richardsville
The auto insurance costs in Richardsville fall around $386 for six
months.
The cheapest auto insurance company in Richardsville is Virginia Farm Bureau.
Teen drivers pay the highest rate in Richardsville at $742 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 Richardsville
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 Richardsville are given below.
Virginia Farm Bureau provides
the cheapest minimum car insurance
coverage in Richardsville. Their Average 6 Month Premium is $162.
Nationwide is the most
expensive at $524 for the same
period.
Cheapest Full Coverage Car Insurance in Richardsville
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 Richardsville is Virginia Farm Bureau
at $66 per month and $386
for six months.
Cheapest Full Coverage Car Insurance Quotes in Richardsville,
VA
Get Your Car Insurance Quote in Richardsville
Instantly!
Average Car Insurance in Richardsville 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 Richardsville, VA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Richardsville, Virginia, may be increasing due to several external factors.
Virginia has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Richardsville's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Richardsville
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
USAA
$683
30s
Virginia Farm Bureau
$515
40s
USAA
$480
50s
USAA
$450
60s
USAA
$474
70s
USAA
$752
Cheapest Car Insurance Rates for Teen Drivers in
Richardsville,VA
If you are planning to get a car insurance policy for your teenage
dependent, Virginia Farm Bureau provides the cheapest car
insurance in the Richardsville at $27
per
month. At $4453 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Richardsville.
As young drivers face the highest rates in Richardsville, USAA
offers the cheapest auto insurance rates at $683 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 Richardsville,
Mercury is
the cheapest car insurance provider. At $231 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
Richardsville is Nationwide, offering
rates of around $443 for six
months.
Save up to $971/yr on car insurance rates in Richardsville.
Car Insurance Rates with An Accident in Richardsville
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 Richardsville, VA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Richardsville
The cheapest car insurance companies after an at-fault accident in
Richardsville include AutoOwners Insurance Co
and Virginia Farm Bureau, offering $225
and $225,
respectively. Encompass is an expensive provider
with an average six-month premium of
$505.
Here is a list of driving violations that can increase your car
insurance rates in Richardsville VA. For example, the car
insurance in Richardsville
after a DUI increases to $985 for a six
month policy. While the rate increases by $206 for a six-month policy in the case of
a speeding ticket.
Richardsville auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$986
$164
One Med/PIP claim
$986
$168
Not-at-fault accident
$1023
$170
Two Med/PIP claims
$1054
$180
One comp claim
$1067
$177
Two comp claims
$1116
$190
Failure to show documents
$1122
$187
Driving without lights
$1141
$194
Child safety restraint
$1148
$191
Driving with expired registration
$1160
$197
Failure to wear a seat belt
$1173
$195
Cell phone violation
$1185
$202
Driving too slowly
$1185
$197
Failure to yield
$1185
$202
Speeding in school zone
$1185
$197
Texting while driving
$1185
$202
Wrong way/wrong lane
$1185
$197
Failure to stop at a red light
$1192
$203
Following too closely
$1192
$198
Illegal turn
$1192
$203
Improper passing
$1192
$198
Speeding 6 - 10 MPH over limit
$1192
$203
Speeding 16 - 20 MPH over limit
$1203
$201
Speeding 11 - 15 MPH over limit
$1210
$206
Passing school bus
$1247
$208
In 65 MPH zone
$1292
$219
Open container
$1309
$218
Speeding 21 - 25 MPH over limit
$1309
$223
At-fault accident - less than $1000
$1347
$225
Operating a vehicle without permission
$1447
$246
At-fault accident - $1000-$2000
$1466
$245
At-fault accident - greater than $2000
$1466
$249
Reckless driving
$1784
$297
Racing
$1915
$326
DUI
$1971
$329
Refusal to submit to a chemical test
$1971
$335
Driving with a suspended license
$2071
$345
Leaving scene of an accident/hit and run
$2071
$352
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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 Richardsville 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 Richardsville.
The cheapest car insurance premiums in
Richardsville are
offered by Virginia Farm Bureau at $200 for a six-month policy.
However, it can be as
expensive as $1716 with companies
like Allstate.
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 Richardsville are offered by Mercury
at $231. However,
it can be as expensive as $312
with companies like State Farm for a similar
six-month premium.
Cheapest Car Insurance in Richardsville after Speeding ticket
Car Insurance Price Trends in Richardsville,
Virginia
Car insurance rates in Richardsville have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Richardsville rose by
$95 in December
compared to $91 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 Richardsville rose to $48 in December,
compared to $46 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Richardsville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Richardsville. At $1339 for a
six-month policy, insuring
your car at 22736 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Richardsville?
The car insurance in Richardsville is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Richardsville?
The cheapest car insurance in Richardsville
is $66 per month
for full coverage.
How much is car insurance in Richardsville for teenagers?
Car insurance for teenagers costs $162 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
Richardsville?
The average cost of car insurance is $638 for a six-month
policy. It will cost around $112 per month to insure your
car in Richardsville.
Is car insurance expensive in Richardsville?
Car insurance can be expensive in Richardsville if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Richardsville can be
affordable.
What is the best car insurance in Richardsville,
VA?
The best car insurance company in Richardsville
VA is
Virginia Farm Bureau, offering $386 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Richardsville, VA
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Richardsville Car Insurance
