Car Insurance in Richardson, TX
City | Average monthly base premium* |
---|---|
Houston | $90 to $99 |
Georgetown | $90 to $99 |
El Paso | $100 to $109 |
Austin | $90 to $99 |


Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.


Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.


Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.


Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.


Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle


Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
Required minimum coverages for Richardson drivers | Minimum amount required |
---|---|
Bodily injury liability | $30,000 (per person)/$60,000 (per accident) |
Property damage liability | $25,000 |
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MorePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreRichardson Texas car insurance FAQs
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Full Coverage Car Insurance
Let’s break down what it really means to have full coverage car insurance.
What Does Car Insurance Cover?
Get the coverage you need, and hit the road with confidence.