Richardson, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Richardson, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Richardson, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Richardson, TX Auto Insurance Rates
- Richardson, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Richardson, TX
- Multi Vehicle Insurance Savings in Richardson, TX
- How Credit Score Affects Car Insurance Rates in Richardson, TX
- How DUI Affects Auto Insurance Premiums in Richardson, TX
- How Driving Violations Affect Auto Insurance Rates in Richardson, TX
- Richardson, TX Auto Insurance Discounts on Anti Theft Feature
- Richardson, TX Auto Insurance Company Reviews
Richardson, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Richardson, TX with that of other cities in and around Richardson.
| Richardson | Allen | Plano | Murphy | Addison | Sachse | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,448 | $1,292 | $1,302 | $2,167 | $2,157 | $2,005 |
Richardson, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Richardson, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Richardson | $1,395 | $1,178 |
| Garland | $1,087 | $918 |
| Murphy | $1,028 | $868 |
| Plano | $1,016 | $858 |
| Sachse | $1,856 | $1,568 |
| Addison | $1,900 | $1,605 |
| Parker | $1,933 | $1,633 |
| Allen | $1,536 | $1,297 |
Richardson, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Richardson, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,699 |
| 20 Years | $1,861 |
| 30 Years | $1,433 |
| 40 Years | $1,379 |
| 50 Years | $1,277 |
| 60 Years | $1,295 |
| 70 Years | $1,507 |
Richardson, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Richardson, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,491 | $405 |
| 3 Vehicles | $3,736 | $608 |
| 4 Vehicles | $4,981 | $811 |
Savings on 2 Vehicles bundle:$405
Savings on 3 Vehicles bundle:$608
Savings on 4 Vehicles bundle:$811
Richardson, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Richardson, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Richardson | $1,448 | $2,254 |
| Garland | $1,495 | $2,327 |
| Murphy | $2,167 | $3,374 |
| Plano | $1,302 | $2,027 |
| Sachse | $2,005 | $3,121 |
| Addison | $2,157 | $3,358 |
| Parker | $2,383 | $3,710 |
| Allen | $1,292 | $2,011 |
Richardson, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,242 |
| Excellent (740-799) | $1,418 |
| Good (670-739) | $1,509 |
| Average (580-669) | $1,968 |
| Poor (300-579) | $2,362 |
Richardson, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$64 | $1,512 |
| Driver's Failure In Showing Documents | +$140 | $1,588 |
| Driving With An Expired Registration | +$149 | $1,597 |
| Driving At A Considerably Slow Pace | +$314 | $1,762 |
| Using A Cellphone While Driving | +$332 | $1,780 |
| Running A Red Light | +$337 | $1,785 |
| Speeding | +$355 | $1,803 |
| Driving A Vehicle Without The Required Permission | +$450 | $1,898 |
| Driving With An Expired/Suspended License | +$976 | $2,424 |
Richardson, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,390 |
| Active Disabling Device | $1,390 |
| Tracking Device | $1,361 |
| Passive Disabling Device | $1,347 |
Latest Auto Insurance Reviews in Richardson, TX | Back to Top
UsaaI would highly recommend USAA for car insurance. Their coverage is very comprehensive, prices are fair, and the customer service is superior to other companies I have used.
UsaaUSAA has great auto insurance that is low priced and they are very easy to work with when I have had auto accidents or car trouble.
EsuranceTheir prices far exceeded everyone else's.Esurance gave us the exact same coverage for $120 less a month than what I was paying with the previous company I switched from.
MetlifeOur car insurance company policy is similar to other car insurance companies. I have similar coverage as I have had with others.
Geicoi really very happy about the policies it will help me out when i'm in dangerous situation
UsaaThe premium I pay is very low. My fiance got onto my plan and at his old insurance company it would have cost him close to $100 a month to insure him, but to add him to my policy it was only $30.
EsuranceI am only looking for basic insurance, the legal minimum, so I did not really examine the different plans very closely. They seemed to offer about as much as most other companies I checked out.
GeicoGeico offers student discounts as well as employer discounts to their customers. If you dont get into an accident for a while, there is also a safe driver discount
AllstateThey prefer that I use this app to contact them, make payments, and file a claim. The app doesnt support Android 3.1
Encompass InsuranceThe insurance company that I use is a very good company, the policy covers all the normal coverage, lower deductable than most companies, and accident forgiveness.
GeicoI have never had a problem with accessibility or customer support. Their website is easy to work with, and the one time I had to use their phone service it worked out well
State FarmIt is on par to what every other policy is, price is the only difference.
State FarmI don't dislike State Farm so much as I dislike any multi-state behemoth of a company that is so large and asks you if you speak Spanish because it has to.