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2025

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Best Local Car Insurance Agencies in Richardson, TX

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Richardson local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

72Reviewed

47Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Richardson
14215 Coit Road, Dallas, TX 75254
Visit WebsiteLicense: 19554

Expertise.com Rating

Review Sources

Google
4.6 (236)
Yelp
2.0 (4)

Why choose this provider?

Baja Auto Insurance - Coit Road is an insurance brokerage providing auto insurance options to individuals and families in Richardson. Providing personalized insurance advice since 2006, it has access to over 59 insurance carriers. Its agents help customers protect their cars via low-cost and high-risk auto insurance. They also assist car owners with a poor driving background to obtain coverages that suit their needs. Baja Auto Insurance is bilingual with team members who are fluent in English and Spanish.

  • Bundling Option

Best Local Car Insurance Agencies Serving Richardson
301 South Sherman 203, Richardson, TX 75081
Visit WebsiteLicense: 1661320

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

For more than 30 years, Reading Insurance Agency has been providing insurance solutions to individuals and businesses in Richardson and nearby communities. Established in 1984, the company assists car owners, motorists, and vehicle operators to attain financial safety for themselves and their vehicles with an auto insurance policy. Its independent insurance agents represent multiple carriers that can provide basic auto coverage options, including property, liability, and medical protection. They also help policyholders in annually reviewing their premiums, deductibles, and coverage. Reading Insurance Agency also insures motorcycles, RVs, and watercraft.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Richardson
1350 East Arapaho Road, Richardson, TX 75081
Visit WebsiteLicense: 18726

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Kouser Insurance Agency is a full-service independent agency servicing the Richardson community since 1979. It provides a wide range of personal and commercial coverage options for different types of vehicles. It represents a variety of insurance carriers to offer the best policy depending on clients' needs. Its team of insurance agents guarantees comprehensive personal attention and proper education about the pros and cons of insurance provider plans. The agency also helps clients in deciding about their life and health insurance plans.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Richardson
100 North Central Expressway, Richardson, TX 75080
Visit WebsiteLicense: 2215160

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Five Star Insurance Group is an independent and full-service insurance agency that serves residential and commercial clients in Richardson and nearby areas. The company offers a variety of insurance products and services, such as personal and commercial auto insurance, boat and watercraft insurance, vintage car insurance, as well as motorcycle and ATV insurance coverage. The company is pleased to be affiliated with reputable and reliable insurance companies such as Progressive, Travelers, Kemper, Foremost Insurance, and Texas Mutual.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

Best Local Car Insurance Agencies Serving Richardson
901 Waterfall Way, Richardson, TX 75080
Visit WebsiteLicense: 1576033

Expertise.com Rating

Review Sources

Google
4.4 (249)

Why choose this provider?

Rodriguez Insurance Agency provides risk management solutions from its Richardson location. The company offers a range of personal insurance products which includes auto insurance. Its team creates insurance policies that protect most types of vehicles, including cars, vans, pick-up trucks, and commercial automobiles. The insurance professionals also offer plans that cover vehicle accidents in Mexico. Non-owner car insurance policies are also furnished by the team. Some of Rodriguez Insurance Agency's partner carriers are Progressive and Mercury Insurance.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Richardson
801 East Campbell Road, Richardson, TX 75081
Visit WebsiteLicense: 686436

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Jeff Martin Insurance Agency is an agency serving the insurance needs of customers in Richardson since 1992. Owner and agent Jeff Martin started his insurance career with Farmers Insurance Group and decided to go independent in late 1999. Jeff and his team offer auto insurance policies that protect clients against financial loss in case of an accident. The policies provide medical, liability, and property coverage. The team also assists clients in making policy changes using any of its convenient forms found on their website.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Richardson
833 East Arapaho Road, Richardson, TX 75081
Visit WebsiteLicense: 6041

Expertise.com Rating

Review Sources

Google
4.9 (15)

Why choose this provider?

Assurnet Insurance Agency has been providing insurance solutions to the residents of Richardson since 1986. Its an independent and local agency that helps families and businesses protect their most valuable possessions. The firm customizes an auto policy that provides coverage from liabilities and damages from minor road accidents, collisions, and natural disasters. Its experienced agents can also compare quotes and coverages from different insurance companies. To educate clients, Assurnet Insurance Agency shares various topics about insurance policies on its blog page.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Richardson
2435 North Central Expressway, Richardson, TX 75080
Visit WebsiteLicense: 1866

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
3.5 (6)

Why choose this provider?

Patterson & Associates Insurance is a Richardson-based agency that assists clients in several areas such as auto insurance, covering personal cars, motorcycles, and recreational vehicles. Its team also creates protection plans for owners of watercraft. The professionals review and compare policies from multiple carriers. Ron Patterson founded Patterson & Associates in 1983 after working for insurance agencies like Safeco Insurance. His company has grown to a team of over 35 professionals who have 400 years of combined industry experience.

  • RV & Motorhome
  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Richardson
3400 North Central Expressway, Richardson, TX 75082
Visit WebsiteLicense: 12120

Expertise.com Rating

Review Sources

Google
5.0 (60)
Facebook
5.0 (16)

Why choose this provider?

Sandy Garza & Associates - Richardson Office works with different insurance companies, such as Berkshire Hathaway Guard and MetLife, to provide personal insurance solutions in the area. It carries coverage options for automobiles, boats, pets, classic cars, motorcycles, and RVs. Its agents seek to understand car owners' needs and develop custom programs. Auto insurance policyholders can mitigate losses from collision, liability, theft, fire, and medical payments. Sandy Garza & Associates aims to create and implement strategies that address clients' goals.

  • Multiple Carriers
  • RV & Motorhome
  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Richardson
701 North Central Expressway, Richardson, TX 75080
Visit WebsiteLicense: 1447858

Expertise.com Rating

Review Sources

Google
4.6 (16)
Facebook
5.0 (3)

Why choose this provider?

Strive Insurance Group, Inc., is a full-service independent insurance agency serving the Richardson community. It partners with different insurance carriers to provide a wide range of car insurance coverage options, whether for family or classic cars. The agency may recommend different policies for a client who usually drives with many passengers or someone who drives alone most of the time. Medical coverage options may also vary on how a client uses a car. Life sciences insurance options, for restaurant and A&E professional liability, are also offered.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Baja Auto Insurance - Coit Road
14215 Coit Road, Dallas, TX 75254
Reading Insurance Agency
301 South Sherman 203, Richardson, TX 75081
Kouser Insurance Agency
1350 East Arapaho Road, Richardson, TX 75081
Five Star Insurance Group
100 North Central Expressway, Richardson, TX 75080
Rodriguez Insurance Agency
901 Waterfall Way, Richardson, TX 75080
Jeff Martin Insurance Agency
801 East Campbell Road, Richardson, TX 75081
Assurnet Insurance Agency
833 East Arapaho Road, Richardson, TX 75081
Patterson & Associates Insurance
2435 North Central Expressway, Richardson, TX 75080
Sandy Garza & Associates - Richardson Office
3400 North Central Expressway, Richardson, TX 75082
Strive Insurance Group, Inc.
701 North Central Expressway, Richardson, TX 75080

Richardson, TX Car Insurance Agency FAQs

  • Do you need to upgrade your existing car insurance in Richardson or purchase additional coverage if you will be driving your car out of state? How about if you will be driving in Mexico or Canada?

    No need to upgrade your current policy or purchase additional protection. As long as you carry the minimum liability insurance required in Texas, you will also meet the requirements for auto insurance in other states. The same applies if you are driving to Canada. However, U.S. auto insurance policies are not valid in Mexico, so you will need a Mexican policy. There should be a Mexican insurance-specialized auto insurance agency in or near Richardson.

  • Will your existing car insurance policy automatically cover the new car you bought in Richardson?

    Yes. Your current auto insurance policy will cover a new car for the first 20 days after purchase. Make sure to inform your insurer in Richardson about the new vehicle. Note that coverage will differ between a replacement car and an additional car. If it's a replacement car, it will get identical coverage as the replaced car. Meanwhile, if you bought an additional car, its coverage will be identical to the vehicle with the highest coverage under your insurance policy.

  • What does it mean if the car insurance policy you purchased in Richardson says it is based on actual cash value (ACV)?

    An Actual Cash Value (ACV) policy will pay for the cost of replacing or repairing your damaged vehicle using materials of the same quality and kind, with depreciation taken into account. If this is not the best option for you, choose a policy based on replacement cost. This type of policy will cover replacement or repair costs regardless of the vehicle's depreciated value. Note that auto insurance in Richardson is typically based on ACV unless you specifically request replacement cost coverage.

  • How much car insurance coverage should you have to be able to drive around Richardson?

    Car owners in Texas are required to have, at the minimum, the following liability coverage to pay for damages in an accident you caused:

    • Bodily injury liability - $30,000 per person.
    • Bodily injury liability - $60,000 per accident (if more than one person is injured).
    • Property damage liability - $25,000 per accident. Additionally, car insurance agencies in Richardson are required to include personal injury protection (PIP) and uninsured/underinsured motorist coverage in your policy, unless you explicitly decline them through a waiver.
  • What can you expect from the car insurance company after you file a claim in Richardson?

    Texas law requires auto insurers in Richardson to adhere to the deadlines listed below. After you file the claim, the insurer should confirm receipt within 15 days. An insurance adjuster should then be dispatched to assess the damage and loss. After gathering the necessary information, the insurer must notify you within 15 working days whether the claim is accepted or denied. If your claim is accepted, you should receive your check payment within five working days.