Best Richardson, Texas Auto Insurance in 2025
The average Richardson, TX auto insurance rates are $349 per month. The minimum auto insurance in Richardson is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Richardson, Texas, compare quotes from multiple companies.
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Table of Contents
Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Travis Thompson
Updated September 2024
- The most expensive auto insurance company in Richardson for teen drivers is Progressive
- The average commute length in Richardson is 24.7 minutes
- The minimum auto insurance required in Richardson, Texas is 30/60/25
Richardson, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Richardson can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Richardson, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Richardson to other Texas cities, including El Paso auto insurance rates, Corpus Christi auto insurance rates, and Laredo auto insurance rates to see how Richardson, Texas auto insurance rates stack up.
Before you buy Richardson, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Richardson, Texas auto insurance quotes.
Minimum Auto Insurance in Richardson, Texas
Richardson, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Richardson, Texas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Richardson, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Richardson, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,677 | $3,700 | $3,627 | $3,627 | $9,828 | $11,837 | $4,540 | $4,717 |
| American Family | $3,109 | $3,494 | $2,974 | $3,439 | $8,872 | $11,568 | $4,594 | $5,245 |
| Geico | $2,620 | $2,837 | $2,533 | $2,893 | $5,864 | $6,059 | $2,842 | $2,827 |
| Nationwide | $2,406 | $2,442 | $2,125 | $2,247 | $6,952 | $8,914 | $2,840 | $3,071 |
| Progressive | $2,481 | $2,368 | $2,206 | $2,248 | $10,381 | $11,594 | $2,953 | $3,011 |
| State Farm | $2,449 | $2,449 | $2,191 | $2,191 | $6,018 | $7,693 | $2,673 | $2,748 |
| USAA | $1,621 | $1,618 | $1,557 | $1,531 | $4,641 | $5,016 | $2,147 | $2,273 |
Cheap Richardson, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Richardson, Texas is a challenge. Take a look at the annual teen auto insurance rates in Richardson, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,828 | $11,837 |
| American Family | $8,872 | $11,568 |
| Geico | $5,864 | $6,059 |
| Nationwide | $6,952 | $8,914 |
| Progressive | $10,381 | $11,594 |
| State Farm | $6,018 | $7,693 |
| USAA | $4,641 | $5,016 |
Cheap Richardson, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Richardson, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,627 | $3,627 |
| American Family | $2,974 | $3,439 |
| Geico | $2,533 | $2,893 |
| Nationwide | $2,125 | $2,247 |
| Progressive | $2,206 | $2,248 |
| State Farm | $2,191 | $2,191 |
| USAA | $1,557 | $1,531 |
Cheap Richardson, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Richardson, Texas compared to the annual auto insurance rates with a clean record in Richardson, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,389 | $6,847 | $7,152 | $4,389 |
| American Family | $4,908 | $6,315 | $5,516 | $4,908 |
| Geico | $3,017 | $4,014 | $3,323 | $3,885 |
| Nationwide | $3,360 | $3,360 | $4,982 | $3,796 |
| Progressive | $4,059 | $5,245 | $4,743 | $4,575 |
| State Farm | $3,138 | $3,622 | $4,307 | $3,138 |
| USAA | $1,893 | $2,814 | $3,321 | $2,173 |
Cheap Richardson, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Richardson, Texas is not easy. Compare the annual rates for DUI auto insurance in Richardson, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,152 |
| American Family | $5,516 |
| Geico | $3,323 |
| Nationwide | $4,982 |
| Progressive | $4,743 |
| State Farm | $4,307 |
| USAA | $3,321 |
Cheap Richardson, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Richardson, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,227 | $5,307 | $4,549 |
| American Family | $7,341 | $4,752 | $4,143 |
| Geico | $5,504 | $3,108 | $2,066 |
| Nationwide | $4,641 | $3,737 | $3,246 |
| Progressive | $5,243 | $4,528 | $4,195 |
| State Farm | $5,021 | $3,133 | $2,500 |
| USAA | $3,727 | $2,172 | $1,752 |
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Cheap Richardson, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Richardson, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Richardson, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 75080 | $6,061 |
| 75081 | $6,450 |
| 75082 | $6,004 |
Cheap Richardson, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Richardson, Texas auto insurance. Find the cheapest annual Richardson, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,552 | $5,836 |
| American Family | $5,412 | $5,412 |
| Geico | $3,496 | $3,624 |
| Nationwide | $3,875 | $3,875 |
| Progressive | $4,655 | $4,655 |
| State Farm | $3,552 | $3,552 |
| USAA | $2,518 | $2,582 |
Cheap Richardson, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Richardson, Texas? Check out the comparison of annual Richardson, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,562 | $5,645 | $5,876 |
| American Family | $5,011 | $5,201 | $6,024 |
| Geico | $3,368 | $3,520 | $3,791 |
| Nationwide | $4,168 | $3,711 | $3,745 |
| Progressive | $4,453 | $4,636 | $4,876 |
| State Farm | $3,349 | $3,541 | $3,765 |
| USAA | $2,453 | $2,540 | $2,658 |
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Best By Category: Cheapest Auto Insurance in Richardson, Texas
Compare the cheapest auto insurance companies in Richardson, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
The Cheapest Richardson, Texas Auto Insurance Companies
What auto insurance companies in Richardson, Texas are the cheapest? Compare the top Richardson, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,694 |
| American Family | $5,412 |
| Geico | $3,560 |
| Nationwide | $3,875 |
| Progressive | $4,655 |
| State Farm | $3,551 |
| USAA | $2,550 |
What affects auto insurance rates in Richardson, Texas?
There are a lot of reasons why auto insurance rates in Richardson, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richardson, Texas. Many local factors may affect your Richardson auto insurance rates.
Richardson Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Richardson, Texas auto theft statistics, there have been 214 auto thefts in the city.
Richardson Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Richardson, Texas commute length is 24.7 minutes according to City-Data.
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Compare Richardson, Texas Auto Insurance Quotes
Before you buy Richardson, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Richardson, Texas auto insurance quotes.
Frequently Asked Questions
What is the minimum auto insurance coverage required in Richardson, Texas?
The minimum auto insurance coverage required in Richardson, Texas is 30/60/25, as per Texas auto insurance laws.
How does age, gender, and marital status affect auto insurance rates in Richardson, Texas?
Age, gender, and marital status can impact auto insurance rates in Richardson, Texas. Demographics play a role in determining the annual cost of insurance.
Are there affordable auto insurance options for teen drivers in Richardson, Texas?
Finding cheap auto insurance for teen drivers in Richardson, Texas can be challenging, but there are options available. The annual rates for teen auto insurance in Richardson, Texas may vary.
What are the average auto insurance rates for seniors in Richardson, Texas?
The average annual auto insurance rates for seniors in Richardson, Texas can differ. It’s recommended to compare rates to find the best deal for older drivers.
How does a driving record affect auto insurance rates in Richardson, Texas?
Driving record plays a significant role in determining auto insurance rates in Richardson, Texas. Comparing the annual rates for drivers with a clean record versus a bad record can provide insight into the impact on insurance costs.
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