Affordable coverage options tailored for Texas drivers!
“Richey Insurance Agency works for you, not just one insurance agency!”
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:
Every driver’s insurance needs are different. The type of car you drive, your driving history, credit rating, and the coverage you choose all play a role in determining your rate.
At Richey Insurance Agency, we make the process simple:
Our goal is to help you secure the right balance of protection and affordability. Requesting a quote takes only a few minutes, and there’s no obligation.
Living in Duncanville means facing risks that directly impact insurance needs and costs:
Understanding these local risks helps explain why many Duncanville drivers choose more than just the state minimum coverage.
Driving without insurance can result in fines ranging from $175–$350 for a first offense, and up to $1,000 for repeat violations. Your license and vehicle registration may also be suspended, and you may be required to file an SR-22 certificate to prove financial responsibility in the future.
Texas law requires all insurance companies to offer uninsured/underinsured motorist coverage. If you don’t want it, you must reject it in writing. Many drivers keep this coverage because it helps pay for damages if you’re hit by someone without insurance or with too little coverage.
Yes, insurance companies must offer PIP, and it’s automatically included unless you reject it in writing. PIP covers medical expenses, lost wages, and related costs for you and your passengers—regardless of who caused the accident.
Insurers in Texas are allowed to use credit-based insurance scores to help determine your rates. A higher score can often mean lower premiums, while a lower score can increase costs. Improving your credit can help reduce long-term insurance expenses.
Yes. Many carriers offer discounts for safe driving, good grades (for students), multi-vehicle households, bundled home/auto policies, defensive driving courses, or vehicles equipped with safety features and anti-theft systems.
As of January 1, 2025, Texas eliminated annual safety inspections for non-commercial vehicles. However, drivers in Dallas County are still required to complete annual emissions testing. This change doesn’t directly affect insurance, but staying compliant with state requirements helps keep your registration and coverage valid.
An SR-22 is a certificate of financial responsibility filed by your insurance company with the Texas Department of Public Safety. It’s usually required after offenses such as driving without insurance, DWI, or license suspensions. Drivers must typically keep an SR-22 on file for at least two years.
Yes, but only if you have comprehensive coverage. Liability-only policies won’t cover hail, flooding, or theft. In hail-prone areas like Duncanville, comprehensive coverage is strongly recommended.
Texas law requires rideshare companies like Uber and Lyft to provide certain levels of coverage while the app is on. However, gaps may exist—especially while waiting for a ride request. Many insurers offer rideshare endorsements to close these gaps and keep you fully covered.
Request a free quote using our convenient online form
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You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
