Compare Richardson, TX Car Insurance Rates (2021)

Car insurance in Richardson, TX averages $349 a month. Richardson, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Richardson car insurance rates, compare quotes from the top car insurance companies in Richardson, 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 Richardson is USAA
  • Average car insurance rates in Richardson, TX after a DUI are $4,763/year
  • Average car insurance rates in Richardson, TX are $4,185/year

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

You’ll find Richardson car insurance rates, the cheapest Richardson, TX car insurance companies, and information on Texas car insurance laws. You can also compare Richardson, Texas car insurance rates to Dallas car insurance rates, El Paso car insurance rates, and Arlington car insurance rates.

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

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

How do age, gender, and marital status affect Richardson, TX car insurance rates? Every Richardson, 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 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

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Minimum Car Insurance in Richardson, TX

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

Minimum Required Car 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

Cheapest Richardson, TX Car Insurance Rates by Credit Score

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

Annual Car 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

Cheapest Richardson, 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 Richardson, TX to rates for a clean record with top companies.

Annual Richardson, Texas Car 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

Cheapest Richardson, TX Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Richardson, TX Car Insurance for Seniors

Take a look at Richardson, 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 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

Cheapest Richardson, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richardson, Texas

Insurance Company Annual Car 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

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Cheapest Richardson, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richardson, Texas

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

Cheapest Richardson, TX Car Insurance Rates by ZIP Code

Richardson car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Richardson, TX.

Annual Car Insurance Rates by ZIP Code in Richardson, Texas

ZIP Code Average Annual Rates
75080 $6,061
75081 $6,450
75082 $6,004

The Best Cheap Car Insurance Companies in Richardson, TX

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Richardson, Texas

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

Best Annual Car 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

Cheapest Richardson, TX Car Insurance Rates by Coverage Level

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

Annual Car 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

What affects car insurance rates in Richardson, Texas?

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

Car Theft in Richardson

High levels of vehicle theft can make car insurance more expensive. Richardson, TX car theft statistics from the FBI indicate 214 vehicle thefts a year.

Commute Time in Richardson

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

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Compare Car Insurance Quotes in Richardson, TX

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

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