Compare Richards, TX Car Insurance Rates (2021)

Car insurance in Richards, TX averages $348 a month. Richards, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Richards car insurance rates, compare quotes from the top car insurance companies in Richards, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Richards for teen drivers is USAA
  • Average car insurance rates in Richards, TX are $4,175/year
  • Average car insurance rates in Richards, TX after a DUI are $4,723/year

If you need to buy Richards, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Richards, TX is right here.

You’ll find Richards car insurance rates, the cheapest Richards, TX car insurance companies, and information on Texas car insurance laws. You can also compare Richards, Texas car insurance rates to Laredo car insurance rates, Fort Worth car insurance rates, and Dallas car insurance rates.

Ready to find affordable Richards, TX car insurance today? Enter your ZIP code for fast, free Richards car insurance quotes.

Cheapest Richards, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Richards, TX car insurance rates? Every Richards, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Richards, TX

Every driver must carry the minimum car insurance in Richards, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car 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

Cheapest Richards, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Richards, TX. Compare credit history car insurance rates in Richards from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Richards, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Richards, TX to rates for a clean record with top companies.

Annual Richards, Texas Car 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

Cheapest Richards, TX Car Insurance for Teen Drivers

Teen car insurance in Richards, TX can be expensive. Take a look at rates from the top car insurance companies in Richards for teenagers.

Annual Car 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

Cheapest Richards, TX Car Insurance for Seniors

Take a look at Richards, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Richards, TX Car Insurance Rates After a DUI

A DUI in Richards, TX increases car insurance rates. Compare Richards, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Richards, Texas

Insurance Company Annual Car 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

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Cheapest Richards, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Richards, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Richards, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Richards, TX

Take a look at a side-by-side comparison of the top car insurance companies in Richards, TX to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Richards, Texas

Find the cheapest car insurance companies in Richards, TX for each category right here.

Best Annual Car 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

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Cheapest Richards, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Richards car insurance rates. Find the cheapest Richards, TX car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Richards, Texas?

What factors can have an impact on Richards, TX car insurance? There are several reasons why Richards car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Richards, Texas.

Commute Time in Richards

The more time you spend in your car the higher the risk of an accident. The average commute length in Richards, TX is 24.7 minutes according to City-Data.

Compare Car Insurance Quotes in Richards, TX

Ready to find affordable Richards, Texas car insurance today? Enter your ZIP code for fast, free Richards, TX car insurance quotes.

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