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Your profile and needs will impact which company is the best for you. State Farm is the cheapest provider of full coverage policies, policies for those in the military and for those with speeding tickets or at-fault accidents. Mercury has the lowest rates for drivers with a DUI. Texas Farm Bureau is the cheapest provider for minimum coverage, while Nationwide has the best rates for teens. Chubb is the best option for those who prioritize customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceRichardson
2023

Cheapest and Best Car Insurance in Richardson, TX

Cheapest Minimum Liability Car Insurance in Richardson

The cheapest companies in Richardson for minimum coverage car insurance are:

  • Texas Farm Bureau: $383 per year
  • State Farm: $404 per year

Dairyland is the most expensive provider for minimum coverage at $1,216 per year as of October 2022.

State Farm, the second cheapest in Richardson, offers the cheapest car insurance in Texas at $300 per year. Texas Farm Bureau is the second cheapest in Texas at $339 per year, with average rates being $44 higher in Richardson. Location can be an important factor affecting rates, so costs may vary based on where you live.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$333

$28

State Farm

$376

$31

Texas Farm Bureau

$383

$32

State Farm

$404

$34

Allstate

$424

$35

Allstate

$436

$36

Mercury

$472

$39

Texas Farm Bureau

$491

$41

State Farm

$495

$41

Mercury

$513

$43

Allstate

$531

$44

AAA Texas

$532

$44

AAA Texas

$565

$47

Nationwide

$578

$48

GEICO

$579

$48

Nationwide

$606

$50

GEICO

$608

$51

Mercury

$614

$51

Chubb

$643

$54

Progressive

$645

$54

Progressive

$660

$55

GEICO

$664

$55

Texas Farm Bureau

$669

$56

AAA Texas

$683

$57

Chubb

$706

$59

State Farm

$723

$60

National General

$770

$64

Foremost

$771

$64

Progressive

$780

$65

State Farm

$791

$66

National General

$795

$66

Texas Farm Bureau

$805

$67

Nationwide

$819

$68

Allstate

$843

$70

Foremost

$901

$75

Allstate

$916

$76

Nationwide

$948

$79

National General

$978

$81

Mercury

$992

$83

Texas Farm Bureau

$993

$83

GEICO

$994

$83

GEICO

$1,012

$84

State Farm

$1,021

$85

Mercury

$1,048

$87

Foremost

$1,059

$88

AAA Texas

$1,093

$91

AAA Texas

$1,097

$91

Nationwide

$1,162

$97

Dairyland

$1,180

$98

GEICO

$1,185

$99

Dairyland

$1,216

$101

Allstate

$1,227

$102

Chubb

$1,240

$103

Chubb

$1,307

$109

Mercury

$1,358

$113

Nationwide

$1,411

$118

AAA Texas

$1,429

$119

Dairyland

$1,444

$120

Chubb

$1,503

$125

Progressive

$1,513

$126

Progressive

$1,569

$131

National General

$1,572

$131

Foremost

$1,585

$132

Foremost

$1,704

$142

National General

$1,719

$143

National General

$1,925

$160

Progressive

$1,967

$164

Dairyland

$2,007

$167

Foremost

$2,129

$177

Dairyland

$2,232

$186

Chubb

$2,349

$196

Dairyland

$2,736

$228

Texas law requires that minimum coverage policies cover bodily injury liability and property damage liability with the following minimum limits:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

With a minimum coverage policy, your liability coverage is limited to $30,000 per person for bodily injury and a maximum of $60,000 per accident. This means you will have to pay out of pocket for any costs over these limits. If you cause property damage, you will be liable for costs exceeding $25,000.

Cheapest Full Coverage Car Insurance in Richardson

The cheapest companies for full coverage car insurance in Richardson are:

  • State Farm: $791 per year
  • Texas Farm Bureau: $805 per year

Dairyland is the most expensive provider for a full coverage policy at $2,232 per year as of October 2022.

State Farm also offers the cheapest full coverage car insurance in Texas at $711 per year, followed by Texas Farm Bureau at $760 per year. Location impacts car insurance rates, so a policy can have different premiums depending on where you live. For instance, State Farm's policy in Richardson costs $80 more than the company's average Texas rates.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$333

$28

State Farm

$376

$31

Texas Farm Bureau

$383

$32

State Farm

$404

$34

Allstate

$424

$35

Allstate

$436

$36

Mercury

$472

$39

Texas Farm Bureau

$491

$41

State Farm

$495

$41

Mercury

$513

$43

Allstate

$531

$44

AAA Texas

$532

$44

AAA Texas

$565

$47

Nationwide

$578

$48

GEICO

$579

$48

Nationwide

$606

$50

GEICO

$608

$51

Mercury

$614

$51

Chubb

$643

$54

Progressive

$645

$54

Progressive

$660

$55

GEICO

$664

$55

Texas Farm Bureau

$669

$56

AAA Texas

$683

$57

Chubb

$706

$59

State Farm

$723

$60

National General

$770

$64

Foremost

$771

$64

Progressive

$780

$65

State Farm

$791

$66

National General

$795

$66

Texas Farm Bureau

$805

$67

Nationwide

$819

$68

Allstate

$843

$70

Foremost

$901

$75

Allstate

$916

$76

Nationwide

$948

$79

National General

$978

$81

Mercury

$992

$83

Texas Farm Bureau

$993

$83

GEICO

$994

$83

GEICO

$1,012

$84

State Farm

$1,021

$85

Mercury

$1,048

$87

Foremost

$1,059

$88

AAA Texas

$1,093

$91

AAA Texas

$1,097

$91

Nationwide

$1,162

$97

Dairyland

$1,180

$98

GEICO

$1,185

$99

Dairyland

$1,216

$101

Allstate

$1,227

$102

Chubb

$1,240

$103

Chubb

$1,307

$109

Mercury

$1,358

$113

Nationwide

$1,411

$118

AAA Texas

$1,429

$119

Dairyland

$1,444

$120

Chubb

$1,503

$125

Progressive

$1,513

$126

Progressive

$1,569

$131

National General

$1,572

$131

Foremost

$1,585

$132

Foremost

$1,704

$142

National General

$1,719

$143

National General

$1,925

$160

Progressive

$1,967

$164

Dairyland

$2,007

$167

Foremost

$2,129

$177

Dairyland

$2,232

$186

Chubb

$2,349

$196

Dairyland

$2,736

$228

A full coverage policy adds comprehensive and collision insurance to your liability coverage.

  • Collision Insurance: Covers damages to your vehicle caused by on-road incidents like a collision with another vehicle.
  • Comprehensive Insurance: Covers damages to your vehicle caused by off-road incidents like theft or vandalism.

Full coverage policies may not be worth the cost if you have an older car with a low value since premiums could cost more than your vehicle is worth.

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Cheapest Car Insurance in Richardson After a Driving Offense

The cheapest companies for car insurance in Richardson after a driving violation are:

  • Speeding ticket: State Farm ($791 per year)
  • At-fault accident: State Farm ($988 per year)
  • DUI: Mercury ($1,366 per year)

The most expensive companies for violations are Dairyland at $2,740 per year for speeding, Chubb at $2,942 per year for a DUI and Foremost at $3,686 per year for an at-fault accident.

A poor driving record significantly impacts car insurance costs, and even the cheapest rates for those with bad records are more expensive than rates for drivers with clean records.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$333

$28

State Farm

$376

$31

Texas Farm Bureau

$383

$32

State Farm

$404

$34

Allstate

$424

$35

Allstate

$436

$36

State Farm

$485

$40

Texas Farm Bureau

$491

$41

State Farm

$495

$41

State Farm

$516

$43

Allstate

$531

$44

Texas Farm Bureau

$607

$51

State Farm

$616

$51

Texas Farm Bureau

$652

$54

GEICO

$657

$55

Mercury

$663

$55

Texas Farm Bureau

$669

$56

Mercury

$679

$57

Nationwide

$686

$57

GEICO

$691

$58

Chubb

$694

$58

Nationwide

$714

$60

Progressive

$715

$60

AAA Texas

$717

$60

GEICO

$719

$60

State Farm

$723

$60

Allstate

$725

$60

Allstate

$745

$62

State Farm

$752

$63

AAA Texas

$760

$63

Chubb

$763

$64

Texas Farm Bureau

$767

$64

Progressive

$777

$65

Allstate

$779

$65

State Farm

$783

$65

Progressive

$785

$65

State Farm

$791

$66

Mercury

$795

$66

GEICO

$799

$67

Allstate

$801

$67

Texas Farm Bureau

$805

$67

AAA Texas

$805

$67

Mercury

$814

$68

Mercury

$830

$69

Texas Farm Bureau

$839

$70

Allstate

$843

$70

AAA Texas

$845

$70

Progressive

$853

$71

AAA Texas

$854

$71

GEICO

$860

$72

Mercury

$861

$72

Progressive

$866

$72

Foremost

$867

$72

National General

$874

$73

GEICO

$878

$73

State Farm

$883

$74

Texas Farm Bureau

$887

$74

National General

$887

$74

AAA Texas

$896

$75

National General

$902

$75

Allstate

$910

$76

State Farm

$914

$76

Allstate

$916

$76

AAA Texas

$919

$77

National General

$922

$77

Foremost

$930

$77

Nationwide

$937

$78

Progressive

$938

$78

Chubb

$960

$80

Nationwide

$969

$81

Allstate

$977

$81

State Farm

$988

$82

Texas Farm Bureau

$993

$83

Nationwide

$1,007

$84

Mercury

$1,009

$84

State Farm

$1,021

$85

Foremost

$1,022

$85

GEICO

$1,026

$86

GEICO

$1,027

$86

AAA Texas

$1,033

$86

Progressive

$1,035

$86

Chubb

$1,055

$88

AAA Texas

$1,084

$90

Foremost

$1,104

$92

National General

$1,108

$92

National General

$1,111

$93

GEICO

$1,123

$94

Progressive

$1,145

$95

Texas Farm Bureau

$1,158

$96

Foremost

$1,160

$97

Texas Farm Bureau

$1,162

$97

GEICO

$1,177

$98

GEICO

$1,179

$98

Mercury

$1,198

$100

Dairyland

$1,200

$100

Progressive

$1,205

$100

Nationwide

$1,206

$100

National General

$1,206

$101

Nationwide

$1,212

$101

Foremost

$1,222

$102

Allstate

$1,227

$102

Dairyland

$1,236

$103

State Farm

$1,241

$103

Nationwide

$1,243

$104

Chubb

$1,257

$105

National General

$1,263

$105

Nationwide

$1,267

$106

Mercury

$1,311

$109

GEICO

$1,314

$109

Texas Farm Bureau

$1,333

$111

Chubb

$1,340

$112

Texas Farm Bureau

$1,351

$113

Nationwide

$1,358

$113

Mercury

$1,366

$114

Allstate

$1,373

$114

Chubb

$1,381

$115

State Farm

$1,388

$116

Chubb

$1,412

$118

GEICO

$1,426

$119

AAA Texas

$1,434

$120

AAA Texas

$1,435

$120

Mercury

$1,438

$120

National General

$1,445

$120

Nationwide

$1,449

$121

GEICO

$1,454

$121

Allstate

$1,454

$121

State Farm

$1,461

$122

Dairyland

$1,467

$122

Allstate

$1,467

$122

Allstate

$1,546

$129

Mercury

$1,562

$130

Dairyland

$1,570

$131

GEICO

$1,587

$132

AAA Texas

$1,591

$133

AAA Texas

$1,593

$133

Nationwide

$1,607

$134

Texas Farm Bureau

$1,614

$134

Chubb

$1,624

$135

Nationwide

$1,627

$136

Texas Farm Bureau

$1,651

$138

AAA Texas

$1,661

$138

AAA Texas

$1,663

$139

Dairyland

$1,679

$140

State Farm

$1,715

$143

Mercury

$1,720

$143

Nationwide

$1,741

$145

Mercury

$1,745

$145

Dairyland

$1,748

$146

Progressive

$1,773

$148

GEICO

$1,787

$149

Dairyland

$1,791

$149

Progressive

$1,805

$150

Foremost

$1,810

$151

Mercury

$1,817

$151

National General

$1,824

$152

Chubb

$1,854

$154

GEICO

$1,864

$155

GEICO

$1,865

$155

AAA Texas

$1,876

$156

Dairyland

$1,904

$159

Progressive

$1,928

$161

Foremost

$1,934

$161

Foremost

$1,936

$161

Chubb

$1,954

$163

National General

$1,954

$163

Foremost

$1,958

$163

Allstate

$1,967

$164

Progressive

$1,969

$164

Nationwide

$2,017

$168

Dairyland

$2,027

$169

Texas Farm Bureau

$2,041

$170

National General

$2,051

$171

Mercury

$2,063

$172

National General

$2,065

$172

Dairyland

$2,074

$173

Allstate

$2,076

$173

AAA Texas

$2,083

$174

Foremost

$2,110

$176

Nationwide

$2,132

$178

AAA Texas

$2,176

$181

National General

$2,179

$182

Progressive

$2,193

$183

Nationwide

$2,236

$186

Chubb

$2,246

$187

Dairyland

$2,251

$188

Foremost

$2,304

$192

Progressive

$2,348

$196

Foremost

$2,360

$197

National General

$2,426

$202

Chubb

$2,427

$202

Foremost

$2,427

$202

Progressive

$2,472

$206

Foremost

$2,487

$207

National General

$2,511

$209

Mercury

$2,537

$211

Chubb

$2,538

$211

Mercury

$2,554

$213

Chubb

$2,559

$213

Progressive

$2,573

$214

Nationwide

$2,666

$222

Dairyland

$2,740

$228

National General

$2,741

$228

Dairyland

$2,760

$230

Dairyland

$2,761

$230

National General

$2,781

$232

Progressive

$2,934

$244

Chubb

$2,942

$245

Dairyland

$3,097

$258

Dairyland

$3,114

$259

Dairyland

$3,265

$272

Dairyland

$3,471

$289

Chubb

$3,512

$293

Foremost

$3,686

$307

Foremost

$4,306

$359

Foremost

$4,379

$365

Chubb

$4,603

$384

In most cases, your premiums will increase relative to the violation’s seriousness. For instance, after a DUI in Richardson, you will pay $577 more per year for car insurance, but you will pay only $254 more after a speeding offense.

You can find the cheapest car insurance for a bad driving record by comparing quotes from different providers.

Cheapest Car Insurance in Richardson for Teens and Their Families

The cheapest companies in Richardson for teen drivers on a family policy are:

  • Nationwide: $1,687 per year for female teens and $1,923 per year for male teens
  • State Farm: $2,073 per year for female teens and $2,507 per year male teens

Allstate has the most expensive rates for teens on a family policy at $6,588 per year for female teens and $7,753 for male teens. Male teens pay more for a Nationwide policy than female teens because they are considered riskier to insure, but this difference in rates drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$737

$3,462

State Farm

$858

$4,033

State Farm

$880

$4,708

State Farm

$925

$4,344

Nationwide

$1,107

$2,526

Nationwide

$1,119

$2,718

Nationwide

$1,169

$3,391

State Farm

$1,231

$4,158

Nationwide

$1,239

$3,894

Nationwide

$1,246

$2,843

Nationwide

$1,264

$3,174

Nationwide

$1,313

$2,997

Nationwide

$1,323

$3,212

Nationwide

$1,335

$3,632

State Farm

$1,349

$4,985

State Farm

$1,383

$4,669

Nationwide

$1,403

$3,407

State Farm

$1,460

$5,759

State Farm

$1,521

$5,136

Nationwide

$1,571

$5,526

Nationwide

$1,604

$6,496

State Farm

$1,619

$6,876

Nationwide

$1,639

$4,754

GEICO

$1,644

$3,056

State Farm

$1,647

$6,088

GEICO

$1,662

$3,688

GEICO

$1,666

$2,944

Allstate

$1,672

$2,231

GEICO

$1,685

$3,131

Nationwide

$1,687

$7,023

GEICO

$1,689

$2,986

State Farm

$1,690

$6,339

GEICO

$1,700

$3,685

Nationwide

$1,723

$6,978

GEICO

$1,725

$3,365

GEICO

$1,759

$3,269

GEICO

$1,762

$3,376

Nationwide

$1,778

$7,068

GEICO

$1,782

$3,149

Allstate

$1,800

$2,299

Nationwide

$1,827

$8,221

Nationwide

$1,846

$5,800

State Farm

$1,861

$7,806

Nationwide

$1,923

$8,894

GEICO

$1,952

$4,939

Nationwide

$1,964

$8,838

GEICO

$1,969

$4,369

State Farm

$2,011

$8,689

State Farm

$2,026

$7,598

GEICO

$2,026

$5,030

Allstate

$2,027

$2,705

GEICO

$2,058

$4,460

Allstate

$2,060

$3,174

State Farm

$2,068

$8,676

State Farm

$2,073

$9,606

GEICO

$2,118

$5,909

Allstate

$2,162

$2,884

Progressive

$2,191

$3,408

GEICO

$2,206

$6,075

State Farm

$2,251

$9,758

Progressive

$2,278

$5,584

Progressive

$2,280

$3,371

GEICO

$2,361

$6,588

Allstate

$2,364

$3,020

Foremost

$2,375

$3,922

Allstate

$2,416

$3,695

GEICO

$2,425

$7,807

Foremost

$2,441

$3,374

Allstate

$2,442

$3,602

Progressive

$2,477

$6,045

GEICO

$2,498

$6,879

State Farm

$2,499

$10,831

State Farm

$2,507

$12,008

Foremost

$2,559

$3,537

GEICO

$2,567

$8,252

Foremost

$2,570

$3,712

Foremost

$2,593

$3,584

Progressive

$2,600

$3,843

Allstate

$2,605

$3,327

Foremost

$2,624

$4,464

Foremost

$2,652

$3,542

Progressive

$2,654

$4,128

Progressive

$2,723

$7,580

Progressive

$2,745

$4,838

Progressive

$2,787

$5,232

Progressive

$2,799

$6,862

Progressive

$2,825

$4,176

Foremost

$2,850

$3,807

Allstate

$2,855

$4,208

Foremost

$2,904

$4,197

Progressive

$2,937

$4,567

Foremost

$2,972

$3,970

Progressive

$3,084

$8,652

Foremost

$3,134

$10,470

Foremost

$3,224

$10,610

Progressive

$3,229

$7,882

Allstate

$3,246

$5,830

Foremost

$3,267

$10,914

Allstate

$3,344

$4,932

Foremost

$3,392

$11,163

Progressive

$3,460

$15,557

Foremost

$3,476

$6,819

Foremost

$3,511

$6,907

Foremost

$3,699

$15,685

Allstate

$3,829

$6,903

Foremost

$3,849

$6,548

Progressive

$3,851

$17,460

Foremost

$3,853

$16,273

Progressive

$3,866

$18,135

Foremost

$3,924

$6,479

Allstate

$3,952

$5,825

Progressive

$4,106

$18,461

Progressive

$4,253

$20,018

Progressive

$4,494

$20,374

Allstate

$4,969

$7,027

Allstate

$5,842

$8,277

Allstate

$6,084

$8,604

Allstate

$6,588

$12,320

Allstate

$7,153

$10,135

Allstate

$7,753

$14,543

Adding a teen to a family policy is usually more cost-effective than purchasing an individual policy. In Richardson, an individual teen policy costs $7,077 per year, $3,267 more than the average cost of adding a teen to a family policy. Always shop around to find cheap car insurance for teens that meets your needs.

Cheapest Car Insurance in Richardson for Military Drivers

The following companies offer the cheapest car insurance for military drivers in Richardson:

  • State Farm: $791 per year
  • Texas Farm Bureau: $805 per year

USAA offers full coverage car insurance at $945 per year and tailors its services to suit those in the military. Texas Farm Bureau and State Farm are also the best options for minimum coverage insurance at $383 and $404 per year, respectively.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$333

$28

State Farm

$376

$31

Texas Farm Bureau

$383

$32

State Farm

$404

$34

Allstate

$424

$35

USAA

$429

$36

Allstate

$436

$36

USAA

$458

$38

Mercury

$472

$39

Texas Farm Bureau

$491

$41

State Farm

$495

$41

Mercury

$513

$43

USAA

$515

$43

Allstate

$531

$44

AAA Texas

$532

$44

AAA Texas

$565

$47

Nationwide

$578

$48

GEICO

$579

$48

Nationwide

$606

$50

GEICO

$608

$51

Mercury

$614

$51

Chubb

$643

$54

Progressive

$645

$54

Progressive

$660

$55

GEICO

$664

$55

Texas Farm Bureau

$669

$56

AAA Texas

$683

$57

Chubb

$706

$59

State Farm

$723

$60

National General

$770

$64

Foremost

$771

$64

Progressive

$780

$65

State Farm

$791

$66

National General

$795

$66

Texas Farm Bureau

$805

$67

Nationwide

$819

$68

Allstate

$843

$70

Foremost

$901

$75

Allstate

$916

$76

USAA

$929

$77

USAA

$945

$79

Nationwide

$948

$79

National General

$978

$81

Mercury

$992

$83

Texas Farm Bureau

$993

$83

GEICO

$994

$83

GEICO

$1,012

$84

State Farm

$1,021

$85

Mercury

$1,048

$87

Foremost

$1,059

$88

AAA Texas

$1,093

$91

AAA Texas

$1,097

$91

USAA

$1,152

$96

Nationwide

$1,162

$97

Dairyland

$1,180

$98

GEICO

$1,185

$99

Dairyland

$1,216

$101

Allstate

$1,227

$102

Chubb

$1,240

$103

Chubb

$1,307

$109

Mercury

$1,358

$113

Nationwide

$1,411

$118

AAA Texas

$1,429

$119

Dairyland

$1,444

$120

Chubb

$1,503

$125

Progressive

$1,513

$126

Progressive

$1,569

$131

National General

$1,572

$131

Foremost

$1,585

$132

Foremost

$1,704

$142

National General

$1,719

$143

National General

$1,925

$160

Progressive

$1,967

$164

Dairyland

$2,007

$167

Foremost

$2,129

$177

Dairyland

$2,232

$186

Chubb

$2,349

$196

Dairyland

$2,736

$228

How to Compare Cheap Richardson Car Insurance Quotes Online

You can compare car insurance quotes online in Richardson, but you will need to enter a lot of personal information, and the process can take 15 minutes or longer per company. Instead, you can use MoneyGeek's car insurance calculator to get a quick estimate based on your age, driving history, coverage level and vehicle type.

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Best Car Insurance in Richardson: Summary

The best car insurance company for you will depend on how you value factors like cost, service and coverage. The best car insurance companies in Richardson for specific categories are:

  • Best overall: Texas Farm Bureau (MoneyGeek score of 80 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau (MoneyGeek score of 81 out of 100)

A company's MoneyGeek score can vary depending on how we weigh factors in different categories.

Texas Farm Bureau offers the best car insurance in Texas, with a MoneyGeek score of 79 out of 100. If you have a military background, USAA is one of the best car insurance companies in Richardson, with an overall MoneyGeek score of 81 out of 100.

Best Overall Car Insurance in Richardson

The best car insurance companies in Richardson are:

  • Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($805 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($791 per year)

Texas Farm Bureau ranked second for customer satisfaction and affordability out of 12 providers in the comparison group. This means policyholders can expect good service at affordable rates.

USAA is also one of the best car insurance companies in Richardson, with a MoneyGeek score of 81 out of 100. It serves veterans and military members exclusively.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Ranked second for affordability

Ranked second for customer satisfaction

Offers essential coverages

cons

Average claims and coverage scores

COMPANY HIGHLIGHTS

Texas Farm Bureau offers policyholders a balance of affordable rates and good service, making it the best insurer overall in Richardson. This provider has limited coverage options but offers essential coverages.

Drivers can opt for roadside assistance coverage for protection if their car breaks down and they need emergency services. This coverage will pay for emergency services, such as towing, gas delivery or mechanical labor. Gas delivery, tire changes or battery delivery are also covered, but the policy only pays for the service itself and not the cost of the items.

Texas Farm Bureau also offers rental car or travel reimbursement coverage. If you opt for this add-on, you will be reimbursed for travel expenses incurred while your vehicle is in the shop for repairs.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Richardson for Customer Service

MoneyGeek excluded cost as a factor and found that the best auto insurance companies for customer service in Richardson are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,503 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,585 per year)

Chubb ranked first for claims and third for customer satisfaction in the comparison group, so you can expect great service quality from this provider. However, Chubb’s rates are among the highest, so you will pay more for good service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked first for claims experience

High customer satisfaction rating

Offers original equipment manufacturer (OEM) coverage

cons

Low coverage score

COMPANY HIGHLIGHTS

If you prioritize service over cost, Chubb is the best car insurance company in Richardson. This provider scored first in claims experience and received a high rating in customer satisfaction. It does not offer broad coverage options, but you can get unique add-on options.

If you want to ensure that only original manufacturer parts are used to repair your car after a covered incident, you can opt for Chubb’s OEM coverage. You can also get rental car or travel reimbursement coverage, which pays for a rental car while your car is being repaired after a covered incident.

Chubb has optional classic car insurance, which is a good option for those with cars older than 30 years. This insurance offers similar coverages to a standard policy, including liability coverage, personal injury protection and underinsured or uninsured motorist coverage.

Best Cheap Car Insurance in Richardson

MoneyGeek analyzed affordability and service quality for policies that only meet the minimum requirements in Texas and found the following companies offer the cheapest options:

  • Texas Farm Bureau: MoneyGeek score of 81 out of 100 ($383 per year)
  • State Farm: MoneyGeek score of 77 out of 100 ($404 per year)

Minimum coverage policies have the lowest premiums but offer minimal protection against liability costs and do not cover damages to your car.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Affordable minimum coverage at $383 per year

Safe driving, multiple car and anti-theft system discounts

Ranked second for customer satisfaction

cons

No paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

Texas Farm Bureau is the best cheap car insurance in Richardson for drivers looking for the most affordable rates. This provider also ranks second for customer satisfaction, so policyholders get a mix of affordability and service quality.

Texas Farm Bureau offers various common discounts that can help lower your car insurance rates. These include bundling discounts for purchasing home or renters insurance with your car insurance and multiple car discounts for insuring more than one car. You can also get a discount if you maintain a clean driving record for a specified period.

Drivers with anti-theft systems installed in their vehicles will qualify for a discount. You can also get a discount if you are under 25 and have completed an approved driver’s education course.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Richardson

As of October 2022, the average cost of car insurance in Richardson is $1,256 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

Location is one of the factors that impact rates. Compared to the average cost of car insurance in Texas, $1,201 per year, drivers in Richardson pay $55 more. However, rates in Richardson are $9 cheaper than the average national cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.