Cheap Quotes for Richmond, ME Car Insurance (2021)

Richmond, Maine car insurance rates average $214 a month and Maine law requires coverage of at least 50/100/25. By comparing rates from multiple Richmond, ME companies, you can find cheap Richmond car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Richmond, ME for senior drivers are $1,501/year
  • Richmond has an average commute time of 24.9 minutes
  • The cheapest car insurance company in Richmond is GEICO

How do the Richmond, Maine monthly average car insurance rates of $214/month compare to nearby cities like Westbrook car insurance rates, South Portland car insurance rates, and Saco car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Richmond, ME.

We’ll cover the Maine minimum coverage requirements, Maine car insurance laws, and Richmond, ME statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Richmond, Maine companies to find the most affordable Richmond car insurance rates.

Enter your ZIP code above to find cheap Richmond, ME car insurance quotes today.

What are the minimum Richmond, ME car insurance requirements?

To meet Maine minimum car insurance coverage requirements, Richmond, ME drivers need to carry at least 50/100/25 coverage.

Minimum Required Car Insurance Coverage in Richmond, Maine

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $50,000 per person
$100,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Richmond, ME car insurance rates?

Three of the criteria that most affect car insurance rates in Richmond, Maine are age, gender, and marital status. Let’s take a look at how each of these stack up with top Richmond car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Richmond, Maine

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,816 $1,866 $1,635 $1,772 $4,628 $6,196 $1,970 $2,201
Farmers $1,686 $1,702 $1,584 $1,697 $5,439 $5,995 $1,991 $2,061
GEICO $914 $946 $914 $914 $2,245 $2,916 $997 $1,062
Liberty Mutual $2,946 $2,946 $2,807 $2,807 $6,229 $9,309 $2,946 $4,138
Progressive $1,857 $1,820 $1,857 $1,820 $7,764 $8,721 $2,161 $2,440
State Farm $1,238 $1,238 $1,172 $1,172 $3,995 $4,984 $1,385 $1,515
Travelers $1,195 $1,242 $1,087 $1,113 $4,878 $6,568 $1,192 $1,376
USAA $849 $837 $845 $825 $2,792 $3,079 $1,079 $1,134

How much do teen drivers pay for car insurance in Richmond, ME?

Richmond, Maine car insurance rates for teens are often higher than rates for other drivers. Compare Richmond car insurance rates from multiple Richmond, Maine car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Richmond, Maine

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $4,628 $6,196
Farmers $5,439 $5,995
GEICO $2,245 $2,916
Liberty Mutual $6,229 $9,309
Progressive $7,764 $8,721
State Farm $3,995 $4,984
Travelers $4,878 $6,568
USAA $2,792 $3,079

How much do senior drivers pay for car insurance in Richmond, ME?

With a little research, seniors can find affordable car insurance in Richmond, Maine. Here’s a look at how the top Richmond car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Richmond, Maine

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,635 $1,772
Farmers $1,584 $1,697
GEICO $914 $914
Liberty Mutual $2,807 $2,807
Progressive $1,857 $1,820
State Farm $1,172 $1,172
Travelers $1,087 $1,113
USAA $845 $825

How does coverage level affect Richmond, ME car insurance rates?

How much coverage do you need? Are you comfortable with the Maine minimum of 50/100/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Richmond, ME car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Richmond, Maine

Insurance Company Low Medium High
Allstate $2,726 $2,727 $2,828
Farmers $2,657 $2,675 $2,977
GEICO $1,334 $1,344 $1,413
Liberty Mutual $4,213 $4,213 $4,372
Progressive $3,479 $3,486 $3,700
State Farm $2,031 $2,064 $2,167
Travelers $2,295 $2,300 $2,400
USAA $1,402 $1,413 $1,475

How does your driving record affect Richmond, ME car insurance rates?

Safe driving pays off. The more traffic violations you have in Richmond, ME, the higher your car insurance rates will be. Compare rates based on driving infractions from top Richmond, Maine companies.

Annual Richmond, Maine Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,245 $3,058 $3,196 $2,543
Farmers $2,421 $3,086 $2,677 $2,893
GEICO $993 $1,396 $2,072 $993
Liberty Mutual $3,277 $3,856 $6,364 $3,567
Progressive $2,848 $4,815 $3,172 $3,385
State Farm $1,892 $2,283 $2,087 $2,087
Travelers $1,941 $2,157 $2,709 $2,519
USAA $1,087 $1,431 $2,007 $1,195

How does a DUI affect Richmond, ME car insurance rates?

With even one DUI on your record, you can see an increase in your Richmond, ME car insurance rates.

Annual Car Insurance Rates After a DUI in Richmond, Maine

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,196
Farmers $2,677
GEICO $2,072
Liberty Mutual $6,364
Progressive $3,172
State Farm $2,087
Travelers $2,709
USAA $2,007

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How does your credit history affect Richmond, ME car insurance rates?

Take a look at the data here to see how your Richmond, Maine car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Richmond, Maine

Insurance Company Poor Fair Good
Allstate $3,469 $2,645 $2,168
Farmers $3,224 $2,646 $2,438
GEICO $1,835 $1,217 $1,038
Liberty Mutual $5,939 $3,849 $3,010
Progressive $4,017 $3,446 $3,201
State Farm $3,040 $1,816 $1,406
Travelers $2,745 $2,248 $2,002
USAA $1,875 $1,291 $1,124

How does your commute affect Richmond, ME car insurance rates?

Richmond, ME car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maine can be seen here. Remember, though, that you may have to carry substantially more car insurance in Richmond if you’re financing.

Annual Car Insurance Rates by Commute Length in Richmond, Maine

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,761 $2,761
Farmers $2,769 $2,769
GEICO $1,341 $1,386
Liberty Mutual $4,179 $4,353
Progressive $3,555 $3,555
State Farm $2,019 $2,155
Travelers $2,332 $2,332
USAA $1,390 $1,470

Who has the cheapest Richmond, ME car insurance rates?

Here’s a breakdown of Richmond, Maine car insurance rates by company. You can see which company offers the cheapest Richmond car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Richmond, Maine

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI USAA
With 1 Speeding Violation GEICO

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What are the top Richmond, ME car insurance companies?

Which Richmond, Maine car insurance company will best fit your needs and budget? Check out this comparison of the top Richmond companies to find the one for you.

Average Annual Car Insurance Rates by Company in Richmond, Maine

Insurance Company Average Annual Rates
Allstate $2,761
Farmers $2,769
GEICO $1,364
Liberty Mutual $4,266
Progressive $3,555
State Farm $2,087
Travelers $2,331
USAA $1,430

What factors affect Richmond, ME car insurance rates?

Why are Richmond, Maine car insurance rates different than rates in Westbrook or South Portland? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Richmond, ME?

More time spent behind the wheel can lead to higher Richmond, Maine car insurance rates. In Richmond, ME, the average commute length is 24.9 minutes.

What is the traffic like in Richmond, ME

Like commute length, time spent in traffic also increase risk of accidents. Richmond, ME is listed as 690th in INRIX congested cities data.

Car Insurance Quotes for Richmond, ME

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