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Richland Car Insurance

How much does car insurance cost in Richland, WA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Richland?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Washington has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Richland typically pay around $79.36 per month compared to the national average of $135.26 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.26
Washington $91.82
Richland, Washington $79.36

Richland, WA Best Car Insurance Companies

car insurance in Richland

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Richland coming in around $70.67 per month. Other companies to consider if you live in Richland is PEMCO with an average cost of $86.41 per month and State Farm which typically runs around $88.38 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Richland.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $70.67-23.03%
2 PEMCO $86.41-5.89%
3 State Farm $88.38-3.75%
4 Chubb $92.310.54%
5 Capital Insurance Group $95.674.19%
6 Allied $98.997.81%
7 Nationwide $114.9225.16%
8 Unigard $115.3925.67%
9 Oregon Mutual $115.8626.18%
10 Grange $119.6630.32%

How Much is Car Insurance in Richland, WA?

how much is auto insurance in Richland

Rates can vary from city to city. The residents of Olympia typically pay $80.62 per month while people who live in Richland will pay $79.36 per month on average. See what people pay for car insurance in other cities in Washington.

Washington CitiesMonthly Average Rate
Olympia $80.62
Richland $79.36
Seattle $104.92
Spokane $86.00
Tacoma $113.13
Vancouver $89.92

Cheap Car Insurance in Richland by Zip Codes

find cheap auto insurance in Richland

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Washington. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Richland, WA ZIP CodeAverage Monthly Rate
99352$83.27
99354$75.95

Car Insurance Rates by Driver's Age Group in Richland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $153.66 per month in Richland. Compare that to drivers in their 30’s who typically pay around $45.95 per month drivers in their 40s at $71.42 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$153.66
20s$115.07
30s$45.95
40s$71.42
50s$40.84
60s$50.61
70+$76.81

Cheapest Insurance for Teenage Drivers in Richland

If you are teen in Richland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $165.92 per month. This is likely the most affordable option in Richland. You might also want to consider PEMCO and Capital Insurance Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$165.92
PEMCO$172.92
Capital Insurance Group$175.42
State Farm$177.55
Chubb$187.54

Cheapest Insurance for 20 Year-olds in Richland

20 year-olds in Richland might want to consider USAA who, on average, offers car insurance rates around $76.62 per month. PEMCO, Capital Insurance Group , Chubb and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$76.62
PEMCO$103.36
Capital Insurance Group$106.22
Chubb$111.81
State Farm$112.49

Cheapest Insurance for 30 Year-olds in Richland

If you are in your 30s in Richland our research has found that USAA typically has the most affordable coverage coming in around $52.39 per month, followed by PEMCO at $55.39 and Chubb at $69.08.

CompanyAverage Monthly Rate
USAA$52.39
PEMCO$55.39
Chubb$69.08
Travelers$72.21
State Farm$73.03

Cheapest Insurance for 40 Year-olds in Richland

On average, USAA offers car insurance for 40 year-olds in Richland for around $46.08 per month. If you are looking for affordable coverage, you may also want to consider PEMCO or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$46.08
PEMCO$52.61
State Farm$58.25
Chubb$61.09
Capital Insurance Group$69.50

Cheapest Insurance for 50 Year-olds in Richland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Richland we found that USAA generally offers the most affordable coverage at $44.67 per month.

CompanyAverage Monthly Rate
USAA$44.67
State Farm$63.22
PEMCO$64.42
Travelers$76.50
Allied$76.66

Cheapest Insurance for 60 Year-olds in Richland

If you live in Richland and you’re in your 60s, our data indicates that USAA usually has the best rates at $55.58 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$55.58
State Farm$56.03
PEMCO$60.07
Oregon Mutual$60.63
Chubb$61.72

Driver's Coverage Auto Insurance Rates in Richland, WA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Richland, the average monthly rate for a driver who is currently insured is $66.84 while drivers who are not currently covered will pay around $97.44.

CoverageAverage Monthly Rate
Not Currently Insured $97.44
Currently Insured $66.84

Compare Recent Car Insurance Quotes in Richland

auto insurance quotes in Richland city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Richland a driver of a 2010 Toyota Camry can expect to pay around $120.38 per month while someone that owns a 2017 Kia Sedona may pay around $68.47 per month. Check out the list of recent quotes in Richland below.

VehicleAverage Monthly Rate
2010 Toyota Camry$120.38
2017 Kia Sedona$68.47
2010 Toyota Rav4$48.23
2017 Chevrolet Sonic$131.59
2013 Lincoln Mks$109.13
2004 Chrysler Pacifica$119.40
2006 Chrysler Pt Cruiser$40.72
2007 Gmc Acadia$65.62
2013 Chevrolet Captiva$109.77
1997 Ford Explorer$34.61

FAQ's for Drivers in Richland, WA

driver’s frequently asked question in Richland

What Is the Minimum Liability Coverage Requirement in Richland, WA?

Every state requires drivers to have a minimum amount of liability coverage. Washington drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for injury or death to multiple people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Drivers in Washington must carry auto insurance in the amount of $25,000 of bodily injury or death for one person per accident, $50,000 of bodily insurance or death for any two people in a single accident, and $10,000 of property damage liability insurance. Alternatively, drivers can apply for a certificate of deposit to pay for liability insurance or have a liability bond of at least $60,000.

Driving a motor vehicle in Washington State without the required insurance can cost you $550 or more in fines. Drivers of motorcycles, mopeds, motor-driven cycles, state or publicly-owned vehicles, and—yep—horseless carriages more than 40 years old, do not need to carry insurance.

What Is the Blood Alcohol Concentration (BAC) limit in Richland, WA?

It is illegal for individuals to operate a motor vehicle in Washington with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Driving under the influence in Washington State refers to operating a motor vehicle while affected by drugs, alcohol, or both. This includes prescription and over-the-counter medications.

What are the consequences of being convicted of a DUI?

Driving under the influence in Washington will result in the suspension of your driver’s license and may also require you to install an ignition interlock device in your vehicle. Fines and criminal penalties, including jail time, are also possible.

The severity of your punishment may vary depending on several factors, including your BAC at the time of your arrest and whether you are a first-time or repeat offender.

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Commute Time in Richland, WA

19.6 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Richland, WA

46

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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