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Cheap Auto Insurance Quotes in Richardson, TX, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by Thomas Fitzgerald

Updated September 15, 2022

Quick Facts

  • The average cost of car insurance in Richardson is $256 per month or $3,072 annually.

  • Car insurance in Richardson is $14 less than the average cost of insurance in Texas.

  • The cheapest car insurance provider in Richardson on average is Progressive.

Car Insurance in Richardson, TX

Richardson is a suburb deep in the heart of Dallas with its own unique claim to the car insurance industry. Well, the city’s average is $14 less than the Lone Star State’s average monthly rate, representing a five percent price break on auto insurance premiums. Drivers looking to get the cheapest rates should compare car insurance quotes before buying.

Quotes by Top Companies

Progressive
$120
Travelers
$207
State Auto
$210
Nationwide
$252
Liberty Mutual
$274

See More:

Cheap Car Insurance Texas

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Cheapest Car Insurance in Richardson, TX

What is the cheapest car insurance in Richardson?

Progressive is the cheapest car insurance provider on average in Richardson, with rates starting at $120 per month. It’s still essential to compare car insurance rates, as everyone’s situation and insurance needs are unique.

How do you find the best car insurance prices? You let the car insurance providers do all the hard work and compete for your business. Since every car insurance company assesses risk differently, it may surprise you which offers the cheapest rate. The following companies are serving up budget-friendly auto insurance coverage in Richardson.

Insurance CompanyAverage Monthly Quote
Progressive$120
Travelers$207
State Auto$210
Nationwide$252
Liberty Mutual$274
Mile Auto$145
Clearcover$155
Apparent$167
Elephant$176
Safeco$188
Foremost$197
Kemper Preferred$203
Direct Auto$204
Midvale Home & Auto$222
Bristol West$230
Mercury$231
Kemper Specialty$235
SafeAuto$235
Kemper$236
Dairyland$237
Commonwealth Casualty$240
Stillwater$248
AssuranceAmerica$255
GAINSCO$274
Aspen$276
Jupiter$308
Alinsco$312
Freedom National$314
Quantum$324
Aggressive$338
Infinity$340
The General$355
Texas Ranger$368
Hallmark$436
Pronto$462
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Richardson Car Insurance Rates by Driving and Accident History

You qualify for the good driver discount and cheap rates when you avoid accidents, infractions, and driving violations. Unfortunately, that’s why high-risk drivers sometimes have difficulty finding a reasonable rate[2]. But whether you have an imperfect or clean driving record, you can find affordable car insurance rates if you make sure to compare quotes and ask for discounts.

Driver HistoryAverage Monthly Cost
Clean Record$243
Speeding Ticket$326
At-Fault Accident$355
DUI$484
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance Texas

DUI Car Insurance Texas

Richardson Car Insurance Rates by Credit Tier

It’s pretty common knowledge that stellar credit can help you land a low car payment, but did you know the same is true for your auto insurance rate[3]? Insurance research has shown that motorists with better credit tend to drive more safely. However, you’ll notice that the prices for those with good, average, and poor credit scores in Richardson are pretty close to one another.

Credit TierAverage Monthly Cost
Excellent$215
Good$254
Average$279
Poor$432
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Richardson

The most effective way to pinpoint the cheapest auto insurance rates is to compare quotes with a to The process is lightning-fast and super easy. Just enter your info and let the AI technology do all the work. But is it really that simple? Yes, and because the algorithms do the heavy lifting, you can get your free quotes without ever speaking to an insurance agent.

Whether you need state minimum coverage or a full-coverage auto insurance policy, you can get the best rates at Insurify. You can see all the options from top insurance companies, such as Nationwide, Liberty Mutual, and Travelers, as well as local insurance agencies. Ultimately, you get the coverage you need at a price you can afford.

Frequently Asked Questions

  • Shopping around is still your ticket to the most affordable auto insurance policy. Other strategies include raising your deductibles, opting for liability coverage, and bundling your car insurance policy with homeowners insurance. Then, when you’re ready to uncover the best rates in Richardson, use Insurify to access customized free car insurance quotes.

  • The average cost of auto insurance in Richardson is $256 per month, which is higher than the national average rate. But your final price depends on your age, location, driving history, credit score, and marital status. Since each auto insurance provider weighs those factors differently, you might want to check out the best rates from multiple companies.

  • Everything from weather and road conditions to traffic patterns and even property damage claim rates can affect car insurance prices. But the things that have the most significant impact are your driving history, credit score, and choice of vehicle. And if all you could find in the past was relatively high auto insurance prices, try Insurify to track down Richardson’s best rates.

Insurify Insights

How Richardson Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Richardson, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Richardson drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Richardson

#107

City with the Most Speeding Tickets Rank in Texas

#63

City with the Most Moving Violations Rank in Texas

#161

City with the Most DUIs Rank in Texas

#222

City with the Most Suspended Licenses in Texas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Richardson drivers rank 61 in the number of car accidents per driver across all cities in Texas.

    • Rank within state: #61
    • Percent of drivers in Richardson with an accident: 9.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Richardson drivers rank 161 in the number of DUI’s per driver across all cities in Texas.

    • Rank within state: #161
    • Percent of drivers in Richardson with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Richardson drivers rank 208 in the number of reckless driving offenses per driver.

    • Rank within state: #208
    • Percent of drivers in Richardson with a reckless driving offense: 0.7%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Richardson drivers rank 195 in rude driving infractions.

    • Rank within state: #195
    • Percent of drivers in Richardson with a reckless driving violation: 0.8%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Richardson drivers rank 107 in the number of speeding infractions per driver.

    • Rank within state: #107
    • Percent of drivers in Richardson with a speeding ticket: 8.6%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Richardson drivers rank 262 in clean driving records across all cities in Texas.

    • Rank within state: #262
    • Percent of drivers in Richardson with clean record: 78.4%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Richardson drivers rank 62 in hybrid and electric vehicle ownership across all cities in Texas.

    • Rank within state: #62
    • Percent of drivers in Richardson with a hybrid/electric vehicle: 1.21%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Texas Department of Insurance. "Automobile insurance guide." Accessed July 16, 2022
  2. Texas Department of Insurance. "Automobile insurance guide." Accessed July 16, 2022
  3. Texas Department of Insurance. "How your credit score can affect your insurance rates." Accessed July 16, 2022