Cheap Car Insurance in Richardson, Texas ( With 2024 Rates)

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Lowest Premium

$435 / YEAR

Average Premium

$611 / YEAR

Highest Premium

$767 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Richardson is around $611 and can go upto $767. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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Car Insurance Rates in Richardson by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Richardson. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
75080	$587
75081	$622
75082	$600

Insurance Agents in Richardson, TX and Near by

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Gabriel Fegale

121 S Central Expy, Richardson, TX 75080

(972) 238-9806

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Sam Yeung

100 N Cntrl Expwy#711, Richardson, TX 75080

(972) 234-4868

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Bireley Insurance Agency

100 N Central Expy Ste 704, Richardson, TX 75080

(972) 235-0400

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Ramona Suggs-Winrow

100 N Central Expy Ste 320, Richardson, TX 75080

(972) 680-3008

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W L Rivers

100 N Central Expwy Suite 500, Richardson, TX 75080

(972) 783-6690

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William Yu-Chi Ting

100 N Central Expy Ste 403, Richardson, TX 75080

(972) 437-5668

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Five Star Insurance Group

100 N Central Expy Ste 1205, Richardson, TX 75080

(972) 235-8881

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Strive Insurance Group

701 N Central Expy Bldg 1, Richardson, TX 75080

(972) 238-8174

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Vannara Krang

777 S Central Expy Ste 5f, Richardson, TX 75080

(214) 649-4285

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Affordable Insurance of Texas

777 S Central Expy Ste 4f, Richardson, TX 75080

(972) 808-9191

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David Davodi

451 W Arapaho Rd Ste 110, Richardson, TX 75080

(972) 705-9990

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TWFG Insurance Services - Harlivleen Kaur

811 S Central Expy Ste 300e, Richardson, TX 75080

(972) 900-2203

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James Machock

1105 Hampshire Ln, Richardson, TX 75080

(214) 207-0298

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Durand Insurance & Financial Service

1105 Hampshire Ln, Richardson, TX 75080

(972) 669-0112

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Joan Kostansek

1201 Richardson Dr Ste 165, Richardson, TX 75080

(972) 479-1796

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Sherry Carson

1201 Richardson Dr Ste 165, Richardson, TX 75080

(972) 671-2933

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Sawyer Insurance Agency

1202 Richardson Dr Ste 319, Richardson, TX 75080

(972) 231-2222

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John D. Lunardon

1201 Richardson Dr Ste 125, Richardson, TX 75080

(972) 671-0404

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Eric Su Insurance

1401 N Central Expy Ste 100, Richardson, TX 75080

(214) 235-7719

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Bernie Garcia Insurance Agency

1401 N Central Expy Ste 107, Richardson, TX 75080

(972) 907-9595

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Mok Insurance Agency

1401 N Central Expy Ste 100, Richardson, TX 75080

(214) 676-1393

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TWFG Insurance Services - Madiha Asif

1401 N Central Expy Ste 100, Richardson, TX 75080

(972) 581-9672

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Skip Parker

1475 Richardson Dr Ste 204, Richardson, TX 75080

(972) 231-1988

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Steve White Insurance Agency

819 W Arapaho Rd Ste 24b, Richardson, TX 75080

(214) 865-9966

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Duff Bourassa

819 W Arapaho Rd Ste 50, Richardson, TX 75080

(972) 235-7151

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Smith Thompson Insurance Services

2097 N Collins Blvd Ste 200, Richardson, TX 75080

(866) 696-3972

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John Khokhar

1701 N Collins Blvd Ste 336, Richardson, TX 75080

(972) 231-6500

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TWFG Insurance Services - Kathy Dumanski

1701 Gateway Blvd Ste 391, Richardson, TX 75080

(972) 768-2815

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Born Insurance Agency

1701 Gateway Blvd Ste 431, Richardson, TX 75080

(469) 567-3164

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TWFG Insurance Services - Shaileen Smith

1701 Gateway Blvd Ste 391, Richardson, TX 75080

(214) 764-6868

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Upshaw Insurance Agency

1801 Gateway Blvd Ste 200, Richardson, TX 75080

(214) 349-6067

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Paula L Ratliff Agency

1750 N Collins Blvd Ste 207, Richardson, TX 75080

(214) 563-5978

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TWFG Insurance Services - Joe Murphy

1750 N Collins Blvd Ste 106, Richardson, TX 75080

(214) 814-0888

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Jeleel Busari

275 W Campbell Rd Ste 313, Richardson, TX 75080

(214) 206-3500

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Rodriguez Insurance Agency

901 Waterfall Way Ste 301, Richardson, TX 75080

(972) 528-6695

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Riskpro Insurance

901 Waterfall Way Ste 407, Richardson, TX 75080

(972) 235-3030

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Baja Auto Insurance

1260 W Spring Valley Rd, Richardson, TX 75080

(214) 301-7034

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Thomas Bernock

2007 N Collins Blvd Ste 405, Richardson, TX 75080

(214) 434-1065

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ABCO Home Plus Insurance Agency

2007 N Collins Blvd Ste 305, Richardson, TX 75080

(972) 423-0005

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Terre Michaels

2007 N Collins Blvd Ste 403, Richardson, TX 75080

(972) 495-3676

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Famous Insurance

101 S Coit Rd Ste 201a, Richardson, TX 75080

(214) 556-7635

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Vining Insurance Agency

101 S Coit Rd Ste 201a, Richardson, TX 75080

(972) 889-3775

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Frampton Insurance Agency

2097 N Collins Blvd Ste 200, Richardson, TX 75080

(972) 234-1300

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Sun Insurance Agency

101 S Coit Rd Ste 103, Richardson, TX 75080

(972) 960-2500

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Hispano Insurance Agency

1482 W Spring Valley Rd, Richardson, TX 75080

(214) 478-2660

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Mike Hart

300 N Coit Rd Ste 154, Richardson, TX 75080

(972) 234-4513

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Clint Hibbard

300 N Coit Rd Ste 252, Richardson, TX 75080

(972) 238-9900

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Joe L. Reyes

2201 N Cntrl Expy Ste 114, Richardson, TX 75080

(972) 669-9707

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C H Yang Insurance Agency

1060 W Campbell Rd Ste 200, Richardson, TX 75080

(817) 460-0500

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Dan Ward

2425 N Central Expy Ste 351, Richardson, TX 75080

(972) 422-5888

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Stuart Gurnea

2425 N Central Expy Ste 480, Richardson, TX 75080

(469) 828-3435

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Allstate Insurance - Roy Zamarippa

1221 W Campbell Rd Ste 207, Richardson, TX 75080

(972) 231-1491

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Liberty Mutual Agency

2435 N Central Expy Ste 150, Richardson, TX 75080

(972) 867-3499

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Wilson Allen

2701 Custer Pkwy Ste 813, Richardson, TX 75080

(972) 810-4149

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Allegiance Insurance Agency

2929 N Central Expy Ste 275, Richardson, TX 75080

(972) 424-0700

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John Moore

689 W Renner Rd Ste 107, Richardson, TX 75080

(972) 234-2900

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Scott Moltzan

2929 N Central Expy Ste 120, Richardson, TX 75080

(972) 407-9226

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Sterling Insurance Group

3415 Custer Pkwy Ste 161, Richardson, TX 75080

(972) 964-4825

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Aaron Simpson

401 W President George Bush Hwy Ste 128, Richardson, TX 75080

(972) 432-7155

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2.53 mi

Tien Pham

210 S Greenville Ave Ste 100, Richardson, TX 75081

(214) 370-0190

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2.53 mi

A1A Low Cost Insurance Agency

205 W Main St, Richardson, TX 75081

(972) 980-0033

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2.53 mi

Reading Insurance Agency

301 S Sherman St Ste 203, Richardson, TX 75081

(972) 783-9300

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2.53 mi

RMS Insurance Brokerage

709 Lingco Dr Ste 111, Richardson, TX 75081

(972) 497-9933

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2.53 mi

Insurance Source of Dallas

888 S Greenville Ave Ste 140, Richardson, TX 75081

(972) 907-1100

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2.53 mi

Promarket Insurance Services

888 S Greenville Ave Ste 100, Richardson, TX 75081

(972) 470-0400

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2.53 mi

Arif & Associates

50 Business Pkwy Ste C, Richardson, TX 75081

(972) 200-4925

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2.53 mi

Alloy Insurance Partners

111 W Spring Valley Rd Ste 200, Richardson, TX 75081

(800) 527-2209

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2.53 mi

Institution Solutions

111 W Spring Valley Rd Ste 200, Richardson, TX 75081

(800) 365-7526

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2.53 mi

Pena Insurance Agency

648 N Interurban St, Richardson, TX 75081

(469) 567-3001

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2.53 mi

Thu Luu

2111 Buckingham Rd Ste A, Richardson, TX 75081

(972) 437-2261

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2.53 mi

Legacy Texas Insurance

707 E Arapaho Rd, Richardson, TX 75081

(972) 461-7300

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2.53 mi

JC&J Insurance Services

800 E Arapaho Rd Ste 112b, Richardson, TX 75081

(972) 907-5288

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2.53 mi

Assurenet Insurance Agency

833 E Arapaho Rd Ste 107, Richardson, TX 75081

(214) 739-5610

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2.53 mi

John Lee Insurance

999 E Arapaho Rd Ste 340, Richardson, TX 75081

(972) 918-0308

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2.53 mi

The Almanza Agency Group

678 N Glenville Dr, Richardson, TX 75081

(972) 675-3475

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2.53 mi

Classic Insurance

1221 Abrams Rd Ste 116, Richardson, TX 75081

(972) 412-1244

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2.53 mi

Ed Fowler

1221 Abrams Rd Ste 136, Richardson, TX 75081

(972) 680-1452

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2.53 mi

Patterson & Associates Insurance

1202 E Arapaho Rd Ste 100, Richardson, TX 75081

(972) 669-2431

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2.53 mi

Stephanie South

189 N Plano Rd Ste 110, Richardson, TX 75081

(972) 690-0618

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2.53 mi

Jason Fleming

1222 E Arapaho Rd # 346, Richardson, TX 75081

(214) 363-0363

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2.53 mi

Tommy Chau

129 N Plano Rd Ste A, Richardson, TX 75081

(972) 744-9873

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2.53 mi

Linh Do

1407 E Belt Line Rd Ste 804, Richardson, TX 75081

(972) 235-4003

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2.53 mi

Roy Stringfellow

1701 N Greenville Ave Ste 608, Richardson, TX 75081

(469) 677-1800

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2.53 mi

Cindy Montgomery

1350 E Arapaho Rd Ste 226, Richardson, TX 75081

(972) 671-7039

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2.53 mi

Kouser Insurance

1350 E Arapaho Rd Ste 206, Richardson, TX 75081

(972) 235-1800

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2.53 mi

Goosehead Insurance - Michael and Shellie Foster

1417 E Spring Valley Rd, Richardson, TX 75081

(972) 234-4260

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2.53 mi

Grayhawk Companies

1820 N Greenville Ave Ste 200, Richardson, TX 75081

(972) 671-9105

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2.53 mi

Freeway Insurance

1332 S Plano Rd, Richardson, TX 75081

(972) 426-5082

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2.53 mi

Asmait Insurance Agency

800 E Campbell Rd Ste 158, Richardson, TX 75081

(214) 455-2652

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2.53 mi

Dale Johnson

800 E Campbell Rd Ste 203, Richardson, TX 75081

(972) 231-1480

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2.53 mi

Shawn Heiser

304 Amherst Ave, Richardson, TX 75081

(844) 438-4374

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2.53 mi

Carl Collum

801 E Campbell Rd, Richardson, TX 75081

(972) 387-1863

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2.53 mi

Texans Insurance Group

777 E Campbell Rd, Richardson, TX 75081

(972) 348-2000

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2.53 mi

Williams Agency

800 E Campbell Rd Ste 175, Richardson, TX 75081

(972) 234-3200

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2.53 mi

Don Crabtree

801 E Campbell Rd Ste 142, Richardson, TX 75081

(972) 905-4217

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2.53 mi

Jeff Martin Insurance Agency

801 E Campbell Rd Ste 280-d, Richardson, TX 75081

(972) 437-2401

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2.53 mi

Chad Howald

801 E Campbell Rd Ste 142, Richardson, TX 75081

(214) 998-9164

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2.53 mi

Tasha Gaston

801 E Campbell Rd Ste 142, Richardson, TX 75081

(214) 789-9186

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2.53 mi

Diana Wickman

1100 E Campbell Rd Ste 160, Richardson, TX 75081

(972) 783-7071

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2.53 mi

Keith McNamara

2113 E Arapaho Rd, Richardson, TX 75081

(469) 802-6595

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2.53 mi

Kelvin Smith

901 N Jupiter Rd Ste 120, Richardson, TX 75081

(214) 703-0498

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2.53 mi

Thao Nguyen Agency

2129 Buckingham Rd, Richardson, TX 75081

(972) 479-9873

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2.53 mi

Naaman Insurance Agency

2111 Buckingham Rd Ste B, Richardson, TX 75081

(469) 412-5891

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4.78 mi

Sandy Garza

2100 Lakeside Blvd Ste 170, Richardson, TX 75082

(972) 889-1833

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4.78 mi

Heather Wolfe

101 W Renner Rd Ste 190, Richardson, TX 75082

(214) 862-1785

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4.78 mi

TWFG Insurance Services - Lisa Newman

101 W Renner Rd Ste 270, Richardson, TX 75082

(972) 495-6600

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4.78 mi

Kay Patel

4251 E Renner Rd Ste 110, Richardson, TX 75082

(972) 671-7727

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View all agents ↓

Learn More About Car Insurance in Richardson, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Richardson, Texas (With 2024 Rates)