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Get Cheap Car Insurance in Richland Hills, Waco, TX
We monitor insurance prices, helping the average driver in Richland Hills save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Richland Hills
The chart below shows the cheapest car insurance company in Richland Hills 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.
| Richland Hills Insurer | Monthly Cost |
|---|---|
| Clearcover | $41 |
| Mile Auto | $54 |
| Progressive | $55 |
| State Farm | $60 |
Savings for Every Kind of Richland Hills Driver
Based on our extensive insurance data, we know the average Richland Hills 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 $328 per year by choosing the right vehicle insurance company. Some Richland Hills residents are paying out over $1,597 extra every year for auto insurance in Richland Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Richland Hills, Waco, TX Savings / Yr. |
|---|---|
$328 |
|
$752 |
|
$663 |
|
$759 |
|
$1,155 |
|
$436 |
|
$477 |
Richland Hills Car Insurance vs. Waco
People living in Richland Hills pay an average of 18.29% less than the typical driver in the state. The average driver in Richland Hills can expect to pay about $951 per year, or $1,597 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Richland Hills for most people.
Car Insurance Prices by Richland Hills Neighborhood
Insurance Prices
Where is insurance cheapest within Richland Hills?
The map shows insurance prices in and around Richland Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $130 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,646 to a low of $1,516. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest parts of Richland Hills.Pick the Best Car Insurance Company for You in Richland Hills
The best car insurance provider for most drivers in Richland Hills
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $328 over the average Richland Hills car insurance company.
The best car insurance provider for Richland Hills 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 $752 over the competition.
The best car insurance company for Richland Hills drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $663 better than other car insurance companies.
The best auto insurance for Richland Hills drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $759 less each year.
The least expensive car insurance company for new and young drivers in Richland Hills
In Richland Hills, State Farm costs young drivers $1,155 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Richland Hills
State Farm gave the largest car insurance discounts to married couples, averaging $436 saved each year compared to an average Richland Hills couple's premiums.
The cheapest car insurance in Richland Hills for drivers with bad credit
The best Richland Hills car insurance company for customer service
Nationwide was the best company for customer service in Richland Hills according to the NAIC.
Recent price drops
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The cheapest large national provider in Richland Hills
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Richland Hills 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 Richland Hills, 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 Richland Hills
What Influences the Cost of Car Insurance in Richland Hills?
On average, car insurance in Richland Hills 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 neighborhood are influenced by the following factors:
- The average commute time in Richland Hills is 21 minutes, which is far less than average for a driver in the city.
- 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 Richland Hills are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Richland Hills has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Richland Hills is $79 per month for minimum coverage and $133 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 Neighborhoods
- Brookview: Insurance costs 5.89% more
- Parkdale Viking Hills: Insurance costs 4.32% more
- Kendrick: Insurance costs 8.20% more
- Landon Branch: Insurance costs 0.13% more
- University: Insurance costs 13.84% more
- North Waco: Insurance costs 12.40% more
- Alta Vista-Waco: Insurance costs 4.32% more
- West Waco: Insurance costs 1.69% less
- Baylor: Insurance costs 0.19% more
- Cedar Ridge: Insurance costs 3.51% more
Neighborhoods with Similar Populations
- Ardmore-Gould Estates-Olin Heights: Insurance costs 9.02% more
- Sun Willows: Insurance costs 1.63% less
- South Pier: Insurance costs 30.87% less
- South East Lake: Insurance costs 10.46% more
- Rosemont North: Insurance costs 94.36% more
- Plymouth-Exchange: Insurance costs 89.61% more
- Pineapple Park: Insurance costs 77.83% more
- Oakdale: Insurance costs 40.83% less
- Moorland-Rimrock: Insurance costs 31.56% less
- Melrose-Rugby: Insurance costs 12.02% less