Compare Richland, TX Car Insurance Rates (2021)

Car insurance in Richland, TX averages $292 a month. Richland, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Richland car insurance rates, compare quotes from the top car insurance companies in Richland, 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 Richland is USAA
  • The cheapest car insurance company in Richland for teen drivers is USAA
  • Average car insurance rates in Richland, TX are $3,509/year

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

You’ll find Richland car insurance rates, the cheapest Richland, TX car insurance companies, and information on Texas car insurance laws. You can also compare Richland, Texas car insurance rates to Houston car insurance rates, El Paso car insurance rates, and San Antonio car insurance rates.

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

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

How do age, gender, and marital status affect Richland, TX car insurance rates? Every Richland, 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 Richland, 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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $2,381 $2,634 $2,196 $2,499 $6,012 $7,883 $3,357 $3,819
GEICO $2,058 $2,199 $1,955 $2,178 $4,365 $4,568 $2,222 $2,240
Nationwide $2,061 $2,097 $1,823 $1,930 $5,791 $7,432 $2,415 $2,611
Progressive $2,525 $2,376 $2,270 $2,302 $11,033 $12,307 $2,979 $2,987
State Farm $1,865 $1,865 $1,656 $1,656 $4,404 $5,604 $2,023 $2,089
USAA $1,406 $1,418 $1,339 $1,334 $3,887 $4,247 $1,872 $2,016

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Minimum Car Insurance in Richland, TX

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

Minimum Required Car Insurance Coverage in Richland, 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 Richland, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Richland, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $5,325 $3,316 $2,902
GEICO $4,183 $2,384 $1,603
Nationwide $3,917 $3,151 $2,742
Progressive $5,425 $4,725 $4,392
State Farm $3,746 $2,331 $1,857
USAA $3,224 $1,855 $1,491

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

Annual Richland, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $3,520 $4,443 $3,908 $3,520
GEICO $2,317 $3,025 $2,571 $2,980
Nationwide $2,840 $2,840 $4,197 $3,204
Progressive $4,219 $5,510 $4,921 $4,739
State Farm $2,357 $2,695 $3,171 $2,357
USAA $1,639 $2,406 $2,835 $1,880

Cheapest Richland, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Richland, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $6,012 $7,883
GEICO $4,365 $4,568
Nationwide $5,791 $7,432
Progressive $11,033 $12,307
State Farm $4,404 $5,604
USAA $3,887 $4,247

Cheapest Richland, TX Car Insurance for Seniors

Take a look at Richland, 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 Richland, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,196 $2,499
GEICO $1,955 $2,178
Nationwide $1,823 $1,930
Progressive $2,270 $2,302
State Farm $1,656 $1,656
USAA $1,339 $1,334

Cheapest Richland, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Richland, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,293
American Family $3,908
GEICO $2,571
Nationwide $4,197
Progressive $4,921
State Farm $3,171
USAA $2,835

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Cheapest Richland, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Richland, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,919 $5,159
American Family $3,847 $3,847
GEICO $2,671 $2,776
Nationwide $3,270 $3,270
Progressive $4,847 $4,847
State Farm $2,645 $2,645
USAA $2,162 $2,217

The Best Cheap Car Insurance Companies in Richland, TX

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

Average Annual Car Insurance Rates by Company in Richland, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $3,847
GEICO $2,723
Nationwide $3,270
Progressive $4,847
State Farm $2,645
USAA $2,190

Category Winners: Cheapest Car Insurance in Richland, Texas

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

Best Annual Car Insurance Rates by Company in Richland, 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 Richland, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Richland, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $3,594 $3,712 $4,236
GEICO $2,604 $2,696 $2,871
Nationwide $3,539 $3,131 $3,140
Progressive $4,536 $4,823 $5,183
State Farm $2,517 $2,637 $2,781
USAA $2,122 $2,182 $2,265

What affects car insurance rates in Richland, Texas?

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

Commute Time in Richland

The more time you spend in your car the higher the risk of an accident. The average commute length in Richland, TX is 26.9 minutes according to City-Data.

Traffic in Richland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Richland, TX traffic data from INRIX ranks Richland as the 985th-most congested in the world.

Compare Car Insurance Quotes in Richland, TX

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

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