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Cheap Car Insurance in Richardson (Jan 2025)
Cheap Car Insurance in Richardson (Jan 2025)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in Richardson
- Best car insurance companies in Richardson
- Best cheap car insurance quotes in Richardson
- Average cost of car insurance in Richardson
- Car insurance quotes in Richardson by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Richardson?
- Cheap car insurance quotes in Richardson after driving violations
- Cheap car insurance quotes in Richardson by age
- Cheap car insurance quotes in Richardson based on insurance history
- Cheap car insurance quotes in Richardson for popular cars
- How to lower car insurance costs in Richardson
- FAQ
- Methodology
- Meet our Experts
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How to find the cheapest car insurance quotes in Richardson
In Richardson, the average
auto insurance
policy costs about $116 per month for minimum coverage liability insurance, and about $227 per month for full coverage insurance. Richardson drivers pay 5% less than the Texas
average. Every month, thousands of savvy car insurance shoppers in Richardson, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Richardson customers. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $172 | Nicholas, 25 Zip: 75080 | Hyundai Sonata GLS | • State Minimum Liability |
| Nationwide | $205 | Rosetta, 25 Zip: 75082 | Toyota Prius | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $155 | Jorge, 29 Zip: 75082 | Toyota Camry L | • State Minimum Liability • Comp / Collision |
Travelers | $247 | Clara, 30 Zip: 75082 | BMW 330 XI | • State Minimum Liability • Comp / Collision |
National General | $126 | Carrie, 55 Zip: 75081 | Cadillac CTS Premium Collection | • State Minimum Liability |
Last Updated Jan 28, 2025Best car insurance companies in Richardson
No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service. Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
USAA | 4.2 | 3.3 | 4.4 | 4.3 |
State Farm | 3.9 | 3.4 | 3.7 | 4 |
Geico | 3.9 | 3.1 | 4.2 | 4.1 |
Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
Best cheap car insurance quotes in Richardson
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Richardson—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Richardson
To hit the road legally, Richardson drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Jerry has helped Richardson drivers find affordable minimum liability coverage with no hassles.
Nicholas (25 years old)
$172
per month
Olivia (34 years old)
$165
per month
Safeco
Jayden (39 years old)
$69
per month
Bluefire
Bernice (40 years old)
$112
per month
Do you need more than minimum coverage in Richardson?
Most drivers in Richardson need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws
. If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
It’s important to note that
Texas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date! The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Richardson
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision coverage:
- Collision coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has helped drivers in Richardson and beyond find full coverage quotes that won’t break the bank.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $287 | Estelle, 26 Zip: 75081 | Chevrolet Silverado K1500 RST |
• State Minimum Liability • Comp / Collision | Travelers | $247 | Clara, 30 Zip: 75082 | BMW 330 XI |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $205 | Rosetta, 25 Zip: 75082 | Toyota Prius |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $180 | Kate, 32 Zip: 75080 | Honda Civic Sport |
Last Updated Jan 28, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Richardson
After analyzing scores of insurance providers in Richardson, we have discovered that the average price for minimum liability coverage amounts to be $116 per month or $1,392 per year. Additionally, residents of Richardson can expect to pay an average of $227 per month or $2,718 per year for full coverage insurance.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $117 | $1,402 |
Full coverage | $207 | $2,483 |
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Richardson by zip code
The cost of car insurance in Richardson can greatly differ depending on your specific zip code. Each individual zip code within Richardson has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
75080 | $123 | $193 |
75081 | $71 | $193 |
75082 | $71 | $182 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Richardson by rating factors
Insurance companies in Richardson use many rating factors when
deciding your auto insurance premium
: - Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How Do Different Factors Impact Your Car Insurance Costs in Richardson?
How Do Different Factors Impact Your Car Insurance Costs in Richardson?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Richardson:
Cheap car insurance quotes in Richardson after driving violations
Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Richardson after speeding ticket
In Richardson, a speeding ticket could increase your car insurance rate by about {average}%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Clearcover | $155 | Francis, 27 Zip: 75081 | Chevrolet Malibu LT | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Progressive | $109 | Norman, 42 Zip: 75081 | Toyota Prius | • State Minimum Liability • Comp / Collision |
Last Updated Jan 27, 2025 Cheapest car insurance in Richardson after DUI
A
DUI
in Richardson is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates
. Jerry has assisted many Richardson drivers with finding affordable rates after a DUI.
Cheapest car insurance in Richardson after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. For Richardson drivers, car accidents could result in an average rate increase of {average}%.
Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $172 | Logan, 25 Zip: 75080 | Hyundai Sonata GLS | • State Minimum Liability |
Not At Fault | Travelers | $145 | Julia, 30 Zip: 75081 | Hyundai Sonata Limited | • State Minimum Liability • Comp / Collision |
| Nationwide | $205 | Lora, 25 Zip: 75082 | Toyota Prius | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025Cheapest car insurance in Richardson after other driving violations
Speeding tickets, DUIs,
reckless driving
, and suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Richardson.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $290 | Leona, 23 Zip: 75081 | Dodge Challenger R/T | • State Minimum Liability |
Driving on Sus. License | Bristol West | $130 | Virginia, 34 Zip: 75080 | Mercury Milan Premier | • State Minimum Liability |
Failure to Obey Signal | Progressive | $290 | Ethan, 23 Zip: 75081 | Dodge Challenger R/T | • State Minimum Liability |
Improper Passing | Progressive | $93 | Ola, 31 Zip: 75080 | Nissan Altima 2.5 | • State Minimum Liability |
Last Updated Jan 28, 2025Cheap car insurance quotes in Richardson by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Richardson for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Richardson. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!
Clearcover
Rodney (23 years old)
$262
per month
Commonwealth Insurance
Isabella (24 years old)
$100
per month
Cheapest car insurance in Richardson for senior drivers
Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.Leila (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Richardson, TX (Zip Code: 75082)
$180
per month
Over 3,500,000 customers and counting
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Courtney
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Great feel for this app, It's helping me save money!
Aaron
They were affordable and great very personable and reasonable
Audrey
Cheap car insurance quotes in Richardson based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Erik (25 years old)
$172
per month
Olive (32 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Richardson, TX (Zip Code: 75080)
$180
per month
Safeco
Birdie (33 years old)
$153
per month
Lora (25 years old)
$205
per month
Clearcover
Mamie (42 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Richardson, TX (Zip Code: 75081)
$285
per month
Cheap car insurance quotes in Richardson for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $172 | Erik, 25 Zip: 75080 | Hyundai Sonata GLS | • State Minimum Liability |
660 - 750 | Allstate | $180 | Olive, 32 Zip: 75080 | Honda Civic Sport | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $69 | Shane, 39 Zip: 75081 | Honda Civic LX | • State Minimum Liability |
550 - 659 | Travelers | $247 | Lulu, 30 Zip: 75082 | BMW 330 XI | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $145 | Adeline, 28 Zip: 75082 | Lexus IS 300 | • State Minimum Liability |
Last Updated Jan 27, 2025Cheap car insurance quotes in Richardson for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Richardson. Every model has a unique cost of repair, set of safety features, and rate of theft.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Hyundai Sonata GLS | Progressive | $172 | Erik, 25 Zip: 75080 | • State Minimum Liability |
Last Updated Jan 27, 2025Cheapest car insurance in Richardson for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Richardson is generally more expensive than that of an older car.
Average insurance rates in Richardson for vehicles based on age are:
- Vehicles 10 years or older: $117
- Vehicles less than 4 years old: $149
Nicholas (25 years old)
$172
per month
Jorge (29 years old)
$155
per month
Rosetta (25 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Richardson, TX (Zip Code: 75082)
$205
per month
Travelers
Clara (30 years old)
$247
per month
National General
Carrie (55 years old)
$126
per month
Nicholas (25 years old)
$172
per month
Jorge (29 years old)
$155
per month
Rosetta (25 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Richardson, TX (Zip Code: 75082)
$205
per month
Travelers
Clara (30 years old)
$247
per month
National General
Carrie (55 years old)
$126
per month
How to lower car insurance costs in Richardson
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Richardson?
People living in Richardson pay on average $116 per month – or $1,392 per year – on state-minimum liability coverage. Full coverage in Richardson costs on average $227 per month of $2,718 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Richardson?
Based on thousands of Richardson drivers Jerry has worked with, car insurance in Richardson costs an average of $116 per month for state-minimum coverage and $227 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Richardson, Texas?
The state-minimum car insurance in Richardson, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
What is the best car insurance in Richardson?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, and Direct Auto receive good ratings from Richardson drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.