Richland Auto Insurance Rates, Quotes, Agents & Reviews in IN

Richland, IN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Richland, IN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Richland, IN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Richland, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Richland, IN with that of other cities in and around Richland.

Richland Stinesville Monroe County Bean Blossom Bloomington Ellettsville
Average Insurance Rates $1,206 $1,462 $924 $1,193 $1,056 $1,181

Richland, IN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Richland, IN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Richland $1,100 $929
Ellettsville $1,659 $1,402
Van Buren $1,673 $1,413
Bloomington $1,223 $1,033
Monroe County $1,328 $1,121
Bean Blossom $1,712 $1,446
Stinesville $1,895 $1,601
Beech Creek $1,419 $1,199

Richland, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Richland, IN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,913
20 Years $1,550
30 Years $1,194
40 Years $1,148
50 Years $1,063
60 Years $1,078
70 Years $1,255

Richland, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Richland, IN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,074 $338
3 Vehicles $3,111 $507
4 Vehicles $4,149 $675

Savings on 2 Vehicles bundle:$338

Savings on 3 Vehicles bundle:$507

Savings on 4 Vehicles bundle:$675

Richland, IN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Richland, IN.

Location Average Insurance Cost Post DUI Insurance Rate
Richland $1,206 $1,866
Ellettsville $1,181 $1,827
Van Buren $1,195 $1,849
Bloomington $1,056 $1,634
Monroe County $924 $1,430
Bean Blossom $1,193 $1,846
Stinesville $1,462 $2,262
Beech Creek $1,178 $1,823

Richland, IN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,035
Excellent (740-799) $1,181
Good (670-739) $1,257
Average (580-669) $1,640
Poor (300-579) $1,967

Richland, IN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Donna Niese State Farm 3637 W State Road 46, Bloomington, 47404-9152 812-935-5700
Ken Stone State Farm 2640 E 10th St, Bloomington, 47408-2651 812-339-5048
Killion Insurance Agency Erie 6316 W THOMPSON RD, INDIANAPOLIS, 46221 317-856-4550
Chris Stringer State Farm 4875 W 56th St Ste G, Indianapolis, 46254-6401 317-803-2241
Paul Wilson Allstate 7216 Madison Ave Ste T, Indianapolis, 46227 (317) 787-7840
Darrell Frye Allstate 17 N 5th Ave, Beech Grove, 46107 (317) 672-1470
Duling Ins Agcy Inc None 430 Fletcher Ave, Spencer, 47460 None
H.M.C. Insurance Agency None 3750 Guion Rd , Indianapolis, 46222 None
Jan Neimeyer State Farm 3045 S Meridian St, Indianapolis, 46217-3284 317-787-3491
Exceed Insurance Agency Inc Liberty Mutual Independent 4150 Lafayette Rd Ste I , Indianapolis, 46254 None

Richland, IN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$53 $1,259
Driver's Failure In Showing Documents +$117 $1,323
Driving With An Expired Registration +$124 $1,330
Driving At A Considerably Slow Pace +$262 $1,468
Using A Cellphone While Driving +$276 $1,482
Running A Red Light +$281 $1,487
Speeding +$295 $1,501
Driving A Vehicle Without The Required Permission +$375 $1,581
Driving With An Expired/Suspended License +$813 $2,019

Richland, IN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,158
Active Disabling Device $1,158
Tracking Device $1,134
Passive Disabling Device $1,122