Richardson Auto Insurance Rates, Quotes, Agents & Reviews in TX

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.

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Save Up To $811 on Multi-Car Insurance in Richardson, TX

The average cost of auto insurance in Richardson, TX, is $1,083. Car owners in Richardson can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Richardson.


Multi-Car Insurance:

Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Richardson is $2,491, while the cost of insuring four vehicles under this policy is $4,981. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

For instance, post-DUI, the cost of auto insurance in Richardson, can mount up to $2,254. That’s significantly more than the average cost of auto insurance in Richardson. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving.

Anti-Theft Discounts:

Car insurers across Texas offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Richardson.

Discounts for Students:

Teenagers in Richardson pay $4,699 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.

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 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

I 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.
USAA 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.
Their 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.
Our car insurance company policy is similar to other car insurance companies. I have similar coverage as I have had with others.
i really very happy about the policies it will help me out when i'm in dangerous situation
The 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.
I 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.
Geico 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
They prefer that I use this app to contact them, make payments, and file a claim. The app doesnt support Android 3.1
Encompass Insurance
The 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.
I 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 Farm
It is on par to what every other policy is, price is the only difference.
State Farm
I 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.