22001 Northpark Dr, Ste 230, Kingwood, TX 77339 service@richeyinsurance.com quote@richeyinsurance.com

Auto Insurance Quote in Texas

Hit the road with confidence! We’ve got you covered!

Save up to 40% on auto insurance per year.

We have access to 100+ leading carriers in Texas to find the best insurance for your car.

“Richey Insurance Agency works for you, not just one insurance agency!”

Why is Car Insurance Important in Texas?

Aside from being legally required, it’s a protection for everyone on the road. Even defensive drivers can be involved in accidents, and insurance helps cover repair or replacement costs for vehicles. It is a financial security in case of unforeseen events.

Texas has specific requirements, what’s known as 30/60/25 coverage:

Contact Us Today

Our team is here to guide you throughout the process and will help you find a policy that suits you! Give us a call today!

Directions to Our Office (Local Map Guide)

Prefer a face-to-face conversation? Our doors are always open.

Here’s your Google Map guide:

Hours of Operation:

  • Monday: 8 AM–12 PM, 1–5 PM
  • Tuesday: 8 AM–12 PM, 1–5 PM
  • Wednesday: 8 AM–12 PM, 1–5 PM
  • Thursday: 8 AM–12 PM, 1–5 PM
  • Friday: 8 AM–12 PM, 1–5 PM
  • Saturday: Closed
  • Sunday: Closed

Texas Car Insurance Quotes

Car insurance rates in Texas run higher than the national average. A six-month full coverage policy costs around $1,294 on average, which is 18% more than in many other states. Several factors contribute to the pricing, including traffic density, accident statistics, and repair costs. Finding the right balance between affordability and protection starts with comparing quotes from multiple carriers. Richey Insurance Agency simplifies this process by offering access to multiple top-rated insurance providers, ensuring drivers secure the best coverage at the most competitive rates.

What Type of Coverage Do You Need in Texas?

Texas law requires drivers to carry at least 30/60/25 liability coverage, which means:

  • $30,000 for injuries per person – Covers medical expenses if someone gets hurt in an accident.
  • $60,000 total per accident – Pays for multiple injuries within the same incident.
  • $25,000 for property damage – Covers repairs if you damage another person’s vehicle or property.

These limits meet the legal requirement, but higher coverage can provide better financial protection.

For You:

  • Personal Injury Protection (PIP) – Helps cover medical bills and lost wages after an accident.
  • Uninsured/Underinsured Motorist Coverage – Protects against drivers with little or no insurance.
  • Medical Payments Coverage – Pays for medical expenses, regardless of fault.
  • Death Indemnity Coverage – Provides financial support to families in case of a fatal accident.

For Your Vehicle:

  • Collision Coverage – Covers repairs after a crash, regardless of who is at fault.
  • Comprehensive Coverage – Covers theft, vandalism, and weather-related damage.
  • Rental Reimbursement Coverage – Helps pay for a rental car while yours is being repaired.
  • Roadside Assistance – Provides towing, battery jumps, and emergency lockout services.

Be Part of Our Longtime Satisfied Customers

Speak To Our Experts

281-360-4646

Josie Premutico

"Richey Insurance Agency, I love this wonderful company and all the people who work there, they are caring about people like me, that have trouble sometimes communicating or don’t have the resources to get things done right. I’m very grateful to the whole company for their support and fantastic work and help that I’ve been getting from them, thank you guys so much, keep up the good work and amazing attitude as well!"

David Fisher

"Anytime I need something Linda is on top of it. I couldn’t ask for anything better."

Keith Dabney

"Very responsive, was able to make last minute policy changes."

Keith McDonald

"My wife and I have been with Richey Insurance for more than 10 years. Probably more than 15yrs. Of all that time, I feel we have very good customer service excluding one time during Covid when they was short on employees and a major insurance company closed policies so they were busy contacting customers and writing new policies. I like how they managed my accounts and hope they stay in business many more years! Lastly, we was helped by Neesha Heesen this last time. Very professional and kept me informed via phone, text and email."

Michael Durr

"I had the opportunity to work with Clint Richey and all I can say is that he took such good care of my clients that they were overwhelmed with the excellent customer service. The cost of the insurance policy was substantially lower and the amount of coverage was superior, to other policies that were reviewed. Clint Richey and his staff did a great job, and I will continue to send my clients over to Clint Richey's Insurance Agency."

Speak To Our Experts

346-250-0962

Frequently Asked Questions

Premiums vary based on multiple factors, including:

  • Number, age, and type of vehicles insured
  • Total drivers on the policy
  • Experience level of listed drivers, including accident history and years behind the wheel

Adjusting coverage, increasing deductibles, or maintaining a clean record helps keep costs in check.

Finding the right policy starts with comparing multiple providers. Independent agencies, like Richey Insurance, simplify the process by gathering quotes from various carriers. Evaluating coverage options, discounts, and customer service ratings helps secure the best value. Seeking expert advice ensures policies match personal and financial needs without overpaying.

Young drivers have a few ways to reduce their insurance expenses:

  • Take a Defensive Driving Course – Completing an approved course lowers accident risks and helps qualify for discounts.
  • Choose a Safe, Affordable Car – Vehicles with strong safety ratings and lower repair costs typically have lower premiums.
  • Stay on a Parent’s Policy – Remaining on an existing plan often results in better rates and access to discounts.

Each option helps make coverage more affordable while maintaining solid protection on the road.

Get In Touch with Us!

Online Form

Request a free quote using our convenient online form

Call A Representative

Prefer to talk to a representative? Our agents are more than happy to help you.

Office Visit

You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)