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Home » Car insurance » Texas » Cheap Car Insurance Richardson

Cheap Car Insurance in 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

Get Cheap Car Insurance Quotes in Your Area

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

Agents by ZIP code:
  • 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, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

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.