Buy Cheap Richmond, TX Auto Insurance (2022)

Richmond, TX auto insurance rates average $362 a month. Minimum auto insurance requirements in Richmond, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Richmond, TX, compare Richmond auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Richmond, TX after a DUI are $4,930/year
  • The most expensive auto insurance company in Richmond after a DUI is Allstate
  • The most expensive auto insurance company in Richmond is Allstate

Finding affordable Richmond, Texas auto insurance can be challenging, but everything you need to know to buy cheap Richmond, TX auto insurance with confidence is right here. Auto insurance rates in Richmond are affected by local factors as well as personal ones like your driving record.

See how Richmond, TX car insurance rates compare to Houston auto insurance rates, Dallas auto insurance rates, and Plano auto insurance rates before you read more about the cost of auto insurance in Richmond.

Don’t buy Richmond, TX auto insurance until you’ve compared rates. Get free Richmond, Texas auto insurance quotes when you enter your ZIP code above.

Richmond, TX Minimum Auto Insurance Requirements

The required auto insurance in Richmond, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Richmond, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Richmond, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Richmond, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Richmond, TX. Take a look at Richmond, Texas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Richmond, Texas

Insurance Company Poor Fair Good
Allstate $7,657 $5,632 $4,831
American Family $7,785 $5,083 $4,449
GEICO $5,806 $3,273 $2,172
Nationwide $4,800 $3,866 $3,358
Progressive $5,513 $4,813 $4,478
State Farm $4,433 $2,760 $2,200
USAA $4,004 $2,342 $1,892

Buy Cheap Richmond, TX Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Richmond, Texas auto insurance rates? Find out how car insurance rates in Richmond, TX are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Richmond, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,897 $3,919 $3,843 $3,843 $10,449 $12,572 $4,807 $4,990
American Family $3,242 $3,659 $3,143 $3,647 $9,586 $12,493 $4,856 $5,553
GEICO $2,735 $2,988 $2,672 $3,105 $6,217 $6,384 $2,974 $2,928
Nationwide $2,488 $2,521 $2,200 $2,323 $7,199 $9,217 $2,940 $3,176
Progressive $2,521 $2,407 $2,270 $2,294 $11,238 $12,621 $3,028 $3,098
State Farm $2,155 $2,155 $1,926 $1,926 $5,316 $6,799 $2,353 $2,420
USAA $1,733 $1,733 $1,667 $1,644 $5,007 $5,417 $2,313 $2,456

Buy Cheap Richmond, TX Auto Insurance for Teen Drivers

Auto insurance for teenagers in Richmond can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Richmond, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Richmond, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,449 $12,572
American Family $9,586 $12,493
GEICO $6,217 $6,384
Nationwide $7,199 $9,217
Progressive $11,238 $12,621
State Farm $5,316 $6,799
USAA $5,007 $5,417

Buy Cheap Richmond, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in Richmond, Texas by comparing Richmond senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Richmond, TX here.

Annual Auto Insurance Rates for Senior Drivers in Richmond, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,843 $3,843
American Family $3,143 $3,647
GEICO $2,672 $3,105
Nationwide $2,200 $2,323
Progressive $2,270 $2,294
State Farm $1,926 $1,926
USAA $1,667 $1,644

Find Cheap Auto Insurance Rates in Richmond, TX by Coverage Level

The amount of coverage you choose is a big factor in the cost of Richmond, Texas auto insurance. Compare Richmond, TX auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Richmond, Texas

Insurance Company Low Medium High
Allstate $5,898 $5,987 $6,235
American Family $5,289 $5,518 $6,511
GEICO $3,505 $3,690 $4,056
Nationwide $4,286 $3,841 $3,898
Progressive $4,717 $4,923 $5,164
State Farm $2,956 $3,123 $3,315
USAA $2,636 $2,732 $2,870

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Find Cheap Richmond, TX Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Richmond. Compare auto insurance rates in Richmond, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Richmond, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,890 $6,190
American Family $5,772 $5,772
GEICO $3,680 $3,820
Nationwide $4,008 $4,008
Progressive $4,935 $4,935
State Farm $3,131 $3,131
USAA $2,712 $2,781

Find Cheap Richmond, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in Richmond, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Richmond, TX to see how much where you live in Richmond affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Richmond, Texas

ZIP Code Average Annual Rates
77407 $6,521
77469 $6,547

Find Cheap Richmond, TX Auto Insurance Rates by Driving Record

Auto insurance rates in Richmond, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Richmond, TX, take a look at the average cost for various violations versus rates for a clean driving record in Richmond.

Annual Richmond, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,649 $7,263 $7,599 $4,649
American Family $5,238 $6,728 $5,886 $5,238
GEICO $3,177 $4,245 $3,483 $4,097
Nationwide $3,478 $3,478 $5,149 $3,927
Progressive $4,293 $5,606 $5,010 $4,830
State Farm $2,765 $3,194 $3,801 $2,765
USAA $2,034 $3,030 $3,585 $2,336

Find Cheap Richmond, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Richmond, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Richmond for less when you shop around and compare rates from multiple Richmond, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Richmond, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,599
American Family $5,886
GEICO $3,483
Nationwide $5,149
Progressive $5,010
State Farm $3,801
USAA $3,585

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Winners by Category: Where to Buy Cheap Auto Insurance in Richmond, TX

Compare rates from the cheapest auto insurance companies in Richmond, TX for your needs. Take a look at how Richmond, Texas auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Richmond, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

Find Cheap Richmond, Texas Auto Insurance Companies

If you’re looking for the cheapest Richmond, TX auto insurance companies overall, you can compare them here. Find the best price for Richmond, Texas car insurance by company.

Average Annual Auto Insurance Rates by Company in Richmond, Texas

Insurance Company Average Annual Rates
Allstate $6,040
American Family $5,772
GEICO $3,750
Nationwide $4,008
Progressive $4,935
State Farm $3,131
USAA $2,746

What affects Richmond, Texas auto insurance rates?

Local factors affect auto insurance rates in Richmond, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Richmond auto insurance rates.

Auto Theft in Richmond

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Richmond, TX auto theft show a total of 10 vehicle thefts annually.

Commute Times in Richmond

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Richmond, TX is 25.6 minutes according to City-Data.

Traffic in Richmond

How is traffic in Richmond, Texas? Inrix data shows that Richmond, TX traffic makes it the 690th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Richmond, TX

You can buy cheap Richmond, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Richmond, Texas auto insurance quotes from top companies.

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