Cheap Car Insurance in Richardson, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Richardson

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.
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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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Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

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.

ZipAvg. Premium
75080$587
75081$622
75082$600

Insurance Agents in Richardson, TX and Near by

  • 0 mi
    Gabriel Fegale
    121 S Central Expy, Richardson, TX 75080
    (972) 238-9806
  • 0 mi
    Sam Yeung
    100 N Cntrl Expwy#711, Richardson, TX 75080
    (972) 234-4868
  • 0 mi
    Bireley Insurance Agency
    100 N Central Expy Ste 704, Richardson, TX 75080
    (972) 235-0400
  • 0 mi
    Ramona Suggs-Winrow
    100 N Central Expy Ste 320, Richardson, TX 75080
    (972) 680-3008
  • 0 mi
    W L Rivers
    100 N Central Expwy Suite 500, Richardson, TX 75080
    (972) 783-6690
  • 0 mi
    William Yu-Chi Ting
    100 N Central Expy Ste 403, Richardson, TX 75080
    (972) 437-5668
  • 0 mi
    Five Star Insurance Group
    100 N Central Expy Ste 1205, Richardson, TX 75080
    (972) 235-8881
  • 0 mi
    Strive Insurance Group
    701 N Central Expy Bldg 1, Richardson, TX 75080
    (972) 238-8174
  • 0 mi
    Vannara Krang
    777 S Central Expy Ste 5f, Richardson, TX 75080
    (214) 649-4285
  • 0 mi
    Affordable Insurance of Texas
    777 S Central Expy Ste 4f, Richardson, TX 75080
    (972) 808-9191
  • 0 mi
    David Davodi
    451 W Arapaho Rd Ste 110, Richardson, TX 75080
    (972) 705-9990
  • 0 mi
    TWFG Insurance Services - Harlivleen Kaur
    811 S Central Expy Ste 300e, Richardson, TX 75080
    (972) 900-2203
  • 0 mi
    James Machock
    1105 Hampshire Ln, Richardson, TX 75080
    (214) 207-0298
  • 0 mi
    Durand Insurance & Financial Service
    1105 Hampshire Ln, Richardson, TX 75080
    (972) 669-0112
  • 0 mi
    Joan Kostansek
    1201 Richardson Dr Ste 165, Richardson, TX 75080
    (972) 479-1796
  • 0 mi
    Sherry Carson
    1201 Richardson Dr Ste 165, Richardson, TX 75080
    (972) 671-2933
  • 0 mi
    Sawyer Insurance Agency
    1202 Richardson Dr Ste 319, Richardson, TX 75080
    (972) 231-2222
  • 0 mi
    John D. Lunardon
    1201 Richardson Dr Ste 125, Richardson, TX 75080
    (972) 671-0404
  • 0 mi
    Eric Su Insurance
    1401 N Central Expy Ste 100, Richardson, TX 75080
    (214) 235-7719
  • 0 mi
    Bernie Garcia Insurance Agency
    1401 N Central Expy Ste 107, Richardson, TX 75080
    (972) 907-9595
  • 0 mi
    Mok Insurance Agency
    1401 N Central Expy Ste 100, Richardson, TX 75080
    (214) 676-1393
  • 0 mi
    TWFG Insurance Services - Madiha Asif
    1401 N Central Expy Ste 100, Richardson, TX 75080
    (972) 581-9672
  • 0 mi
    Skip Parker
    1475 Richardson Dr Ste 204, Richardson, TX 75080
    (972) 231-1988
  • 0 mi
    Steve White Insurance Agency
    819 W Arapaho Rd Ste 24b, Richardson, TX 75080
    (214) 865-9966
  • 0 mi
    Duff Bourassa
    819 W Arapaho Rd Ste 50, Richardson, TX 75080
    (972) 235-7151
  • 0 mi
    Smith Thompson Insurance Services
    2097 N Collins Blvd Ste 200, Richardson, TX 75080
    (866) 696-3972
  • 0 mi
    John Khokhar
    1701 N Collins Blvd Ste 336, Richardson, TX 75080
    (972) 231-6500
  • 0 mi
    TWFG Insurance Services - Kathy Dumanski
    1701 Gateway Blvd Ste 391, Richardson, TX 75080
    (972) 768-2815
  • 0 mi
    Born Insurance Agency
    1701 Gateway Blvd Ste 431, Richardson, TX 75080
    (469) 567-3164
  • 0 mi
    TWFG Insurance Services - Shaileen Smith
    1701 Gateway Blvd Ste 391, Richardson, TX 75080
    (214) 764-6868
  • 0 mi
    Upshaw Insurance Agency
    1801 Gateway Blvd Ste 200, Richardson, TX 75080
    (214) 349-6067
  • 0 mi
    Paula L Ratliff Agency
    1750 N Collins Blvd Ste 207, Richardson, TX 75080
    (214) 563-5978
  • 0 mi
    TWFG Insurance Services - Joe Murphy
    1750 N Collins Blvd Ste 106, Richardson, TX 75080
    (214) 814-0888
  • 0 mi
    Jeleel Busari
    275 W Campbell Rd Ste 313, Richardson, TX 75080
    (214) 206-3500
  • 0 mi
    Rodriguez Insurance Agency
    901 Waterfall Way Ste 301, Richardson, TX 75080
    (972) 528-6695
  • 0 mi
    Riskpro Insurance
    901 Waterfall Way Ste 407, Richardson, TX 75080
    (972) 235-3030
  • 0 mi
    Baja Auto Insurance
    1260 W Spring Valley Rd, Richardson, TX 75080
    (214) 301-7034
  • 0 mi
    Thomas Bernock
    2007 N Collins Blvd Ste 405, Richardson, TX 75080
    (214) 434-1065
  • 0 mi
    ABCO Home Plus Insurance Agency
    2007 N Collins Blvd Ste 305, Richardson, TX 75080
    (972) 423-0005
  • 0 mi
    Terre Michaels
    2007 N Collins Blvd Ste 403, Richardson, TX 75080
    (972) 495-3676
  • 0 mi
    Famous Insurance
    101 S Coit Rd Ste 201a, Richardson, TX 75080
    (214) 556-7635
  • 0 mi
    Vining Insurance Agency
    101 S Coit Rd Ste 201a, Richardson, TX 75080
    (972) 889-3775
  • 0 mi
    Frampton Insurance Agency
    2097 N Collins Blvd Ste 200, Richardson, TX 75080
    (972) 234-1300
  • 0 mi
    Sun Insurance Agency
    101 S Coit Rd Ste 103, Richardson, TX 75080
    (972) 960-2500
  • 0 mi
    Hispano Insurance Agency
    1482 W Spring Valley Rd, Richardson, TX 75080
    (214) 478-2660
  • 0 mi
    Mike Hart
    300 N Coit Rd Ste 154, Richardson, TX 75080
    (972) 234-4513
  • 0 mi
    Clint Hibbard
    300 N Coit Rd Ste 252, Richardson, TX 75080
    (972) 238-9900
  • 0 mi
    Joe L. Reyes
    2201 N Cntrl Expy Ste 114, Richardson, TX 75080
    (972) 669-9707
  • 0 mi
    C H Yang Insurance Agency
    1060 W Campbell Rd Ste 200, Richardson, TX 75080
    (817) 460-0500
  • 0 mi
    Dan Ward
    2425 N Central Expy Ste 351, Richardson, TX 75080
    (972) 422-5888
  • 0 mi
    Stuart Gurnea
    2425 N Central Expy Ste 480, Richardson, TX 75080
    (469) 828-3435
  • 0 mi
    Allstate Insurance - Roy Zamarippa
    1221 W Campbell Rd Ste 207, Richardson, TX 75080
    (972) 231-1491
  • 0 mi
    Liberty Mutual Agency
    2435 N Central Expy Ste 150, Richardson, TX 75080
    (972) 867-3499
  • 0 mi
    Wilson Allen
    2701 Custer Pkwy Ste 813, Richardson, TX 75080
    (972) 810-4149
  • 0 mi
    Allegiance Insurance Agency
    2929 N Central Expy Ste 275, Richardson, TX 75080
    (972) 424-0700
  • 0 mi
    John Moore
    689 W Renner Rd Ste 107, Richardson, TX 75080
    (972) 234-2900
  • 0 mi
    Scott Moltzan
    2929 N Central Expy Ste 120, Richardson, TX 75080
    (972) 407-9226
  • 0 mi
    Sterling Insurance Group
    3415 Custer Pkwy Ste 161, Richardson, TX 75080
    (972) 964-4825
  • 0 mi
    Aaron Simpson
    401 W President George Bush Hwy Ste 128, Richardson, TX 75080
    (972) 432-7155
  • 2.53 mi
    Tien Pham
    210 S Greenville Ave Ste 100, Richardson, TX 75081
    (214) 370-0190
  • 2.53 mi
    A1A Low Cost Insurance Agency
    205 W Main St, Richardson, TX 75081
    (972) 980-0033
  • 2.53 mi
    Reading Insurance Agency
    301 S Sherman St Ste 203, Richardson, TX 75081
    (972) 783-9300
  • 2.53 mi
    RMS Insurance Brokerage
    709 Lingco Dr Ste 111, Richardson, TX 75081
    (972) 497-9933
  • 2.53 mi
    Insurance Source of Dallas
    888 S Greenville Ave Ste 140, Richardson, TX 75081
    (972) 907-1100
  • 2.53 mi
    Promarket Insurance Services
    888 S Greenville Ave Ste 100, Richardson, TX 75081
    (972) 470-0400
  • 2.53 mi
    Arif & Associates
    50 Business Pkwy Ste C, Richardson, TX 75081
    (972) 200-4925
  • 2.53 mi
    Alloy Insurance Partners
    111 W Spring Valley Rd Ste 200, Richardson, TX 75081
    (800) 527-2209
  • 2.53 mi
    Institution Solutions
    111 W Spring Valley Rd Ste 200, Richardson, TX 75081
    (800) 365-7526
  • 2.53 mi
    Pena Insurance Agency
    648 N Interurban St, Richardson, TX 75081
    (469) 567-3001
  • 2.53 mi
    Thu Luu
    2111 Buckingham Rd Ste A, Richardson, TX 75081
    (972) 437-2261
  • 2.53 mi
    Legacy Texas Insurance
    707 E Arapaho Rd, Richardson, TX 75081
    (972) 461-7300
  • 2.53 mi
    JC&J Insurance Services
    800 E Arapaho Rd Ste 112b, Richardson, TX 75081
    (972) 907-5288
  • 2.53 mi
    Assurenet Insurance Agency
    833 E Arapaho Rd Ste 107, Richardson, TX 75081
    (214) 739-5610
  • 2.53 mi
    John Lee Insurance
    999 E Arapaho Rd Ste 340, Richardson, TX 75081
    (972) 918-0308
  • 2.53 mi
    The Almanza Agency Group
    678 N Glenville Dr, Richardson, TX 75081
    (972) 675-3475
  • 2.53 mi
    Classic Insurance
    1221 Abrams Rd Ste 116, Richardson, TX 75081
    (972) 412-1244
  • 2.53 mi
    Ed Fowler
    1221 Abrams Rd Ste 136, Richardson, TX 75081
    (972) 680-1452
  • 2.53 mi
    Patterson & Associates Insurance
    1202 E Arapaho Rd Ste 100, Richardson, TX 75081
    (972) 669-2431
  • 2.53 mi
    Stephanie South
    189 N Plano Rd Ste 110, Richardson, TX 75081
    (972) 690-0618
  • 2.53 mi
    Jason Fleming
    1222 E Arapaho Rd # 346, Richardson, TX 75081
    (214) 363-0363
  • 2.53 mi
    Tommy Chau
    129 N Plano Rd Ste A, Richardson, TX 75081
    (972) 744-9873
  • 2.53 mi
    Linh Do
    1407 E Belt Line Rd Ste 804, Richardson, TX 75081
    (972) 235-4003
  • 2.53 mi
    Roy Stringfellow
    1701 N Greenville Ave Ste 608, Richardson, TX 75081
    (469) 677-1800
  • 2.53 mi
    Cindy Montgomery
    1350 E Arapaho Rd Ste 226, Richardson, TX 75081
    (972) 671-7039
  • 2.53 mi
    Kouser Insurance
    1350 E Arapaho Rd Ste 206, Richardson, TX 75081
    (972) 235-1800
  • 2.53 mi
    Goosehead Insurance - Michael and Shellie Foster
    1417 E Spring Valley Rd, Richardson, TX 75081
    (972) 234-4260
  • 2.53 mi
    Grayhawk Companies
    1820 N Greenville Ave Ste 200, Richardson, TX 75081
    (972) 671-9105
  • 2.53 mi
    Freeway Insurance
    1332 S Plano Rd, Richardson, TX 75081
    (972) 426-5082
  • 2.53 mi
    Asmait Insurance Agency
    800 E Campbell Rd Ste 158, Richardson, TX 75081
    (214) 455-2652
  • 2.53 mi
    Dale Johnson
    800 E Campbell Rd Ste 203, Richardson, TX 75081
    (972) 231-1480
  • 2.53 mi
    Shawn Heiser
    304 Amherst Ave, Richardson, TX 75081
    (844) 438-4374
  • 2.53 mi
    Carl Collum
    801 E Campbell Rd, Richardson, TX 75081
    (972) 387-1863
  • 2.53 mi
    Texans Insurance Group
    777 E Campbell Rd, Richardson, TX 75081
    (972) 348-2000
  • 2.53 mi
    Williams Agency
    800 E Campbell Rd Ste 175, Richardson, TX 75081
    (972) 234-3200
  • 2.53 mi
    Don Crabtree
    801 E Campbell Rd Ste 142, Richardson, TX 75081
    (972) 905-4217
  • 2.53 mi
    Jeff Martin Insurance Agency
    801 E Campbell Rd Ste 280-d, Richardson, TX 75081
    (972) 437-2401
  • 2.53 mi
    Chad Howald
    801 E Campbell Rd Ste 142, Richardson, TX 75081
    (214) 998-9164
  • 2.53 mi
    Tasha Gaston
    801 E Campbell Rd Ste 142, Richardson, TX 75081
    (214) 789-9186
  • 2.53 mi
    Diana Wickman
    1100 E Campbell Rd Ste 160, Richardson, TX 75081
    (972) 783-7071
  • 2.53 mi
    Keith McNamara
    2113 E Arapaho Rd, Richardson, TX 75081
    (469) 802-6595
  • 2.53 mi
    Kelvin Smith
    901 N Jupiter Rd Ste 120, Richardson, TX 75081
    (214) 703-0498
  • 2.53 mi
    Thao Nguyen Agency
    2129 Buckingham Rd, Richardson, TX 75081
    (972) 479-9873
  • 2.53 mi
    Naaman Insurance Agency
    2111 Buckingham Rd Ste B, Richardson, TX 75081
    (469) 412-5891
  • 4.78 mi
    Sandy Garza
    2100 Lakeside Blvd Ste 170, Richardson, TX 75082
    (972) 889-1833
  • 4.78 mi
    Heather Wolfe
    101 W Renner Rd Ste 190, Richardson, TX 75082
    (214) 862-1785
  • 4.78 mi
    TWFG Insurance Services - Lisa Newman
    101 W Renner Rd Ste 270, Richardson, TX 75082
    (972) 495-6600
  • 4.78 mi
    Kay Patel
    4251 E Renner Rd Ste 110, Richardson, TX 75082
    (972) 671-7727
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 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.