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Get Cheap Car Insurance in Richardson, TX
We monitor insurance prices, helping the average driver in Richardson save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Richardson
The chart below shows the cheapest car insurance company in Richardson for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Richardson Insurer | Monthly Cost |
|---|---|
| Clearcover | $48 |
| Mile Auto | $62 |
| Progressive | $64 |
| State Farm | $69 |
Savings for Every Kind of Richardson Driver
Based on our extensive insurance data, we know the average Richardson driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $379 per year by choosing the right vehicle insurance company. Some Richardson residents are paying out over $1,841 extra every year for auto insurance in Richardson. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Richardson, TX Savings / Yr. |
|---|---|
$379 |
|
$867 |
|
$764 |
|
$875 |
|
$1,332 |
|
$503 |
|
$550 |
Richardson Car Insurance vs. Texas
People living in Richardson pay an average of 5.80% less than the typical driver in the state. The average driver in Richardson can expect to pay about $1,097 per year, or $1,841 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Richardson for most people.
Car Insurance Prices by Richardson Neighborhood
Insurance Prices
Where is insurance cheapest within Richardson?
The map shows insurance prices in and around Richardson, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $426 per year within the city boundaries, with insurance premiums ranging from a high of $2,116 to a low of $1,690. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Richardson.Pick the Best Car Insurance Company for You in Richardson
The best car insurance provider for most drivers in Richardson
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $379 over the average Richardson car insurance company.
The best car insurance provider for Richardson drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $867 over the competition.
The best car insurance company for Richardson drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $764 better than other car insurance companies.
The best auto insurance for Richardson drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $875 less each year.
The least expensive car insurance company for new and young drivers in Richardson
In Richardson, State Farm costs young drivers $1,332 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Richardson
State Farm gave the largest car insurance discounts to married couples, averaging $503 saved each year compared to an average Richardson couple's premiums.
The cheapest car insurance in Richardson for drivers with bad credit
The best Richardson car insurance company for customer service
Nationwide was the best company for customer service in Richardson according to the NAIC.
Recent price drops
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The cheapest large national provider in Richardson
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Richardson driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Richardson, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Richardson
What Influences the Cost of Car Insurance in Richardson?
On average, car insurance in Richardson is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Richardson is 29 minutes, which is a little less than average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Richardson are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Richardson is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Richardson is $91 per month for minimum coverage and $153 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Plano: Insurance costs 0.76% more
- Garland: Insurance costs 6.63% more
- Addison: Insurance costs 2.61% more
- Murphy: Insurance costs 1.79% more
- Sachse: Insurance costs 1.36% less
- Parker: Insurance costs 4.29% less
- University Park: Insurance costs 5.49% less
- Farmers Branch: Insurance costs 2.17% more
- Carrollton: Insurance costs 2.93% more
- Wylie: Insurance costs 3.20% less
Cities with Similar Populations
- Monroe: Insurance costs 72.03% more
- Milwaukee: Insurance costs 34.76% less
- Mooresville: Insurance costs 33.13% less
- Midlothian: Insurance costs 34.44% less
- Montgomery: Insurance costs 10.10% less
- Minneapolis: Insurance costs 33.03% less
- Missouri City: Insurance costs 7.88% more
- Morgantown: Insurance costs 21.51% less
- Missoula: Insurance costs 16.40% less
- Miramar: Insurance costs 78.38% more