See How Much You Can Save in Richardson
What's the Cost of Car Insurance in Richardson?
We have been able to help several drivers in Richardson TX locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Richardson Texas, the annual rates had a difference of up to $670 . Specifically, this means that the cheapest price was $1133 and the most expensive was $1803 .
Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Richardson is important in getting the cheapest car insurance rates.
Insurance Prices: Richardson vs. National/State Averages
Richardson has low-cost car insurance premiums that are below the state's average. It costs $166 less per year than Texas's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Richardson. You can go over some of our tips below to improve your savings.
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Richardson TX Average Car Insurance Savings by Neighborhood
If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Richardson to give you a sense of where you can find the lowest costs.
The difference was -$119 between the cheapest neighborhood in Richardson TX with a rate of $1260 on average and a +$771 difference between the priciest area in Richardson TX with an average price of $2150.
Let's go over some ways to save on car insurance in Richardson
Richardson Car Insurance Rates by Gender and Marital Status
Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Richardson. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $76 more per year compared to being married, and being a man can typically cost up to $455 more per year in Richardson TX as opposed to being a woman.
Richardson Teenagers Car Insurance Rates
Younger and inexperienced drivers pay the most in car insurance rates by far, and Richardson TX is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2868 a year for insurance on average. This is far higher than the state average of $1545, and $1489 higher than Richardson' average. When gender is taken into account the difference between male and female teens in Richardson TX is $511.
The effect of DUIs on insurance premiums in Richardson TX
Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Richardson then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1379 all the way up to $2564. That means that on average the cost for conviction in Richardson TX can be an increase of $1185.
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Find Local Richardson Agents
Sterling Insurance Group
1201 Richardson Dr Ste 130 Richardson TX 75080
Joe L Reyes
2201 N Central Expy Ste 114 Richardson TX 75080
TWFG Insurance Services - Kathy Dumanski
2435 N Central Expressway Ste 1276 Richardson TX 75080