Best Cheap Auto Insurance in Richardson, TX (2021)

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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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 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Richardson, 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 $3,677 $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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Richardson, Texas

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.

Annual Richardson, Texas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Richardson, Texas

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.

Annual Auto Insurance Rates by Credit Score in Richardson, Texas

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.

Annual Auto Insurance Rates by ZIP Code in Richardson, Texas

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.

Annual Auto Insurance Rates by Commute Length in Richardson, Texas

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.

Annual Auto Insurance Rates by Coverage Level in Richardson, Texas

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.

Best Annual Auto Insurance Rates by Company in Richardson, Texas

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.

Average Annual Auto Insurance Rates by Company in Richardson, Texas

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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