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

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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.
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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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Insurance Agents in Richmond, TX and Near by

  • 0 mi
    Jeff Gilbert
    26440 Fm 1093 Rd Ste 310, Richmond, TX 77406
    (281) 347-6200
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    Rockland Insurance Agency Inc.
    2740 Fm 359 Rd, Richmond, TX 77406
    (281) 242-0020
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  • 0 mi
    Manuel Noriega
    2903 Wimberly Knoll Ln, Richmond, TX 77406
    (832) 858-2409
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    Stieber Insurance Group
    515 Fm 359 Rd Ste 104, Richmond, TX 77406
    (281) 341-7141
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  • 0 mi
    Mark Boles Agency
    1117 Fm 359 Rd, Richmond, TX 77406
    (281) 633-2094
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  • 0 mi
    Craig Duval
    1800 Fm 359 Rd Ste 125, Richmond, TX 77406
    (281) 342-1700
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  • 0 mi
    Eric Frazier
    1800 Fm 359 Rd Ste 125, Richmond, TX 77406
    (281) 344-8402
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  • 0 mi
    Janic King
    3318 Fm 359 Rd, Richmond, TX 77406
    (281) 341-5225
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  • 0 mi
    Miska Insurance Agency
    3320 Fm 359 Rd, Richmond, TX 77406
    (281) 498-4908
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  • 0 mi
    Pecan Insurance
    2800 Fm 359 Rd Ste A, Richmond, TX 77406
    (832) 490-1381
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  • 0 mi
    Tom Dutka
    5545 Fm 359 Rd Ste 4, Richmond, TX 77406
    (281) 633-0630
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  • 0 mi
    Valerie Bailey
    9825 S Mason Rd Ste 270, Richmond, TX 77406
    (281) 342-0401
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  • 0 mi
    Ray Rosales
    7830 W Grand Pkwy S Ste 250, Richmond, TX 77406
    (281) 201-3495
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  • 0 mi
    Fenina Fink
    7850 W Grand Pkwy S Ste 600, Richmond, TX 77406
    (832) 945-3379
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  • 13.25 mi
    Grayless Insurance Agency
    1100 Travis St, Richmond, TX 77469
    (281) 342-8127
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  • 13.25 mi
    Renee M. Torres
    2116 Thompson Rd Ste 114, Richmond, TX 77469
    (281) 633-9146
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  • 13.25 mi
    Kevin Patton
    2204 Thompson Rd, Richmond, TX 77469
    (281) 342-2460
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  • 13.25 mi
    Daniel Gerken
    2208 Thompson Rd, Richmond, TX 77469
    (281) 342-5757
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  • 13.25 mi
    Shakeel Khatri
    301 S 9th St Ste 103, Richmond, TX 77469
    (832) 595-2355
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  • 13.25 mi
    Robinson Insurance Agency
    601 Austin St, Richmond, TX 77469
    (281) 239-8469
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  • 13.25 mi
    McDonald Wessendorff Insurance
    611 Morton St, Richmond, TX 77469
    (281) 342-2857
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  • 13.25 mi
    Olivo Insurance Agency
    515 S 5th St, Richmond, TX 77469
    (281) 341-7330
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  • 13.25 mi
    Cinquemani-Integra Insurance Services
    401 S 5th St, Richmond, TX 77469
    (832) 532-1238
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  • 13.25 mi
    Jaimes Insurance
    813 Barrett St, Richmond, TX 77469
    (832) 643-7763
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  • 13.25 mi
    Cody Guyer
    4125 Williams Way Blvd Ste 100, Richmond, TX 77469
    (281) 242-5100
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  • 13.25 mi
    Adrian Hackett
    1125 Crabb River Rd Ste 120, Richmond, TX 77469
    (832) 945-3952
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  • 5.62 mi
    Sue McFadden
    8019 W Grand Pkwy S Ste 1010, Richmond, TX 77407
    (832) 595-6399
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  • 5.62 mi
    Lindi Huynh
    20626 Fm 1093 Rd Ste B, Richmond, TX 77407
    (832) 351-2991
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  • 5.62 mi
    REZ Solutions
    8433 Fm 1464 Rd Ste S, Richmond, TX 77407
    (713) 965-4955
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  • 5.62 mi
    The Derbigny Group
    19002 Mission Park Dr Apt 917, Richmond, TX 77407
    (281) 265-5726
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  • 5.62 mi
    Gary Steen
    7039 Fm 1464 Rd Ste 140, Richmond, TX 77407
    (281) 495-9955
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Learn More About Car Insurance in Richmond, 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 registered24,527,939
Total uninsured motorists14.1%
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.