Best Cheap Auto Insurance in Richards, TX (2021)

The average Richards, TX auto insurance rates are $348 per month. The minimum auto insurance in Richards is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Richards, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Richards for teen drivers is Progressive
  • The cheapest auto insurance company in Richards is USAA
  • Average auto insurance rates in Richards, TX for senior drivers are $2,497 per year

Richards, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Richards 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 Richards, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Richards to other Texas cities, including El Paso auto insurance rates, Corpus Christi auto insurance rates, and Houston auto insurance rates to see how Richards, Texas auto insurance rates stack up.

Before you buy Richards, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Richards, Texas auto insurance quotes.

Minimum Auto Insurance in Richards, Texas

Richards, 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 Richards, Texas.

Minimum Required Auto Insurance Coverage in Richards, 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 Richards, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Richards, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Richards, Texas

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 $3,480 $3,506 $3,435 $3,435 $9,282 $11,191 $4,303 $4,477
American Family $3,400 $3,826 $3,246 $3,759 $9,732 $12,691 $5,035 $5,751
GEICO $2,421 $2,611 $2,345 $2,648 $5,268 $5,497 $2,612 $2,612
Nationwide $2,477 $2,516 $2,184 $2,312 $7,192 $9,228 $2,926 $3,165
Progressive $2,657 $2,498 $2,387 $2,419 $11,799 $13,173 $3,145 $3,168
State Farm $2,119 $2,119 $1,878 $1,878 $4,972 $6,318 $2,297 $2,371
USAA $1,596 $1,609 $1,523 $1,515 $4,476 $4,885 $2,133 $2,295

Cheap Richards, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Richards, Texas is a challenge. Take a look at the annual teen auto insurance rates in Richards, Texas.

Annual Auto Insurance Rates for Teen Drivers in Richards, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,282 $11,191
American Family $9,732 $12,691
GEICO $5,268 $5,497
Nationwide $7,192 $9,228
Progressive $11,799 $13,173
State Farm $4,972 $6,318
USAA $4,476 $4,885

Cheap Richards, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Richards, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Richards, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,435
American Family $3,246 $3,759
GEICO $2,345 $2,648
Nationwide $2,184 $2,312
Progressive $2,387 $2,419
State Farm $1,878 $1,878
USAA $1,523 $1,515

Cheap Richards, 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 Richards, Texas compared to the annual auto insurance rates with a clean record in Richards, Texas.

Annual Richards, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,166 $6,466 $6,757 $4,166
American Family $5,379 $6,919 $6,044 $5,379
GEICO $2,761 $3,650 $3,045 $3,550
Nationwide $3,467 $3,467 $5,148 $3,918
Progressive $4,484 $5,867 $5,232 $5,039
State Farm $2,672 $3,050 $3,583 $2,672
USAA $1,868 $2,753 $3,251 $2,144

Cheap Richards, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Richards, Texas is not easy. Compare the annual rates for DUI auto insurance in Richards, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Richards, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,757
American Family $6,044
GEICO $3,045
Nationwide $5,148
Progressive $5,232
State Farm $3,583
USAA $3,251

Cheap Richards, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Richards, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Richards, Texas

Insurance Company Poor Fair Good
Allstate $6,843 $5,021 $4,301
American Family $8,038 $5,210 $4,542
GEICO $5,018 $2,842 $1,896
Nationwide $4,796 $3,857 $3,347
Progressive $5,763 $5,028 $4,676
State Farm $4,246 $2,638 $2,099
USAA $3,684 $2,122 $1,705

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Cheap Richards, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Richards, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Richards, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Richards, Texas

ZIP Code Average Annual Rates
77873 $6,316

Cheap Richards, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Richards, Texas auto insurance. Find the cheapest annual Richards, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Richards, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,258 $5,519
American Family $5,930 $5,930
GEICO $3,193 $3,311
Nationwide $4,000 $4,000
Progressive $5,156 $5,156
State Farm $2,994 $2,994
USAA $2,472 $2,536

Cheap Richards, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Richards, Texas? Check out the comparison of annual Richards, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Richards, Texas

Insurance Company Low Medium High
Allstate $5,265 $5,342 $5,558
American Family $5,459 $5,675 $6,656
GEICO $3,087 $3,213 $3,456
Nationwide $4,332 $3,830 $3,838
Progressive $4,870 $5,131 $5,466
State Farm $2,848 $2,985 $3,150
USAA $2,423 $2,494 $2,595

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Best By Category: Cheapest Auto Insurance in Richards, Texas

Compare the cheapest auto insurance companies in Richards, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Richards, Texas

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

The Cheapest Richards, Texas Auto Insurance Companies

What auto insurance companies in Richards, Texas are the cheapest? Compare the top Richards, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Richards, Texas

Insurance Company Average Annual Rates
Allstate $5,389
American Family $5,930
GEICO $3,252
Nationwide $4,000
Progressive $5,156
State Farm $2,994
USAA $2,504

What affects auto insurance rates in Richards, Texas?

There are a lot of reasons why auto insurance rates in Richards, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Richards, Texas. Many local factors may affect your Richards auto insurance rates.

Richards Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Richards, Texas commute length is 24.7 minutes according to City-Data.

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Compare Richards, Texas Auto Insurance Quotes

Before you buy Richards, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Richards, Texas auto insurance quotes.

Free Auto Insurance Comparison

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