Who Has Affordable Car Insurance Rates for Postal Workers in Dallas?

Finding out which insurers offer the cheapest car insurance rates for postal workers will involve a little more work than just comparing a company or two. Each insurer has a unique approach for filing rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in Dallas, TX.

Keep in mind that Dallas, TX car insurance rates are determined by lots of factors that can increase the price of your policy. Simply improving your credit, moving across town, or having an at-fault accident may generate price changes that may make certain companies much cheaper than others.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,256
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,553
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,723
14 GEICO $2,072
15 Home State $2,092
16 MetLife $2,227
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,672
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Travelers offers some of the lowest car insurance rates in Dallas at around $1,021 annually. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Dallas, TX auto insurance companies.

As shown in the rates above, if you buy coverage from Germania Mutual and switched to Travelers, you might realize annual savings of around $235. Customers with Esurance may save as much as $400 a year, and California Casualty customers might see rate reductions of $403 a year.

Bear in mind that those policy rates are averaged for all drivers and vehicles and and are not calculated with an exact vehicle garaging location for postal workers. So the car insurance company that can offer you the lowest price may not even be in the top 23 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

The type of vehicle you are trying to insure is probably the largest consideration in finding the best coverage for postal workers. Vehicles with lots of horsepower, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than more modest models.

The list below shows insurance premiums for a handful of the most cost-effective vehicles to insure in Texas.

Cheapest Vehicles to Insure in Dallas, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,238
Toyota Prius $1,371
Honda Accord EX 4-Dr Sedan $1,419
Ford Edge Limited 2WD $1,432
Dodge Grand Caravan Hero $1,462
Chevrolet Malibu Hybrid $1,469
Dodge Ram 3500 Crew Cab Laramie 2WD $1,490
Ford Explorer Limited 2WD $1,496
Ford Escape XLS 4WD $1,515
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,518
Hyundai Elantra GLS 4-Dr Sedan $1,541
Toyota Tacoma X-Runner 2WD $1,546
Ford Fusion SE 4-Dr Sedan $1,568
Kia Optima LX $1,571
Honda Odyssey EX W/Rear Entertainment $1,644
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease auto insurance rates considerably.

Based on these rates, we can conclude that vehicles like the Honda CR-V, Toyota Prius, Honda Accord, Ford Edge, and Dodge Grand Caravan are likely to be a few of the more affordable vehicles to insure for postal employees.

Do you need full coverage?

Reducing the cost of car insurance is probably important to most drivers, and one of the best ways to find cheap insurance for postal workers is to not buy full coverage. The illustration below illustrates the difference between car insurance rates when comparing full coverage to liability only. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

Averaged out for all age groups, physical damage coverage costs an extra $2,393 per year more than just buying liability only. That raises the question if buying full coverage is worth the money. There is no clear-cut rule of when to phase out physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

The chart below demonstrates how deductible levels can change insurance rates when trying to find cheap insurance for postal workers. The premiums assume a married male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their policy premium by $318 a year by switching from a $100 deductible up to a $500 deductible, or save $480 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could lower their rates as much as $1,060 every year by choosing a higher deductible. When choosing a higher deductible, it will be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Last year’s bargain might be this year’s rip off

Texas car insurance rates are influenced by many factors that will increase or decrease your annual premium. Improving your credit rating, adding a teenager to your policy, or getting a few speeding tickets can trigger price changes that may make certain companies more affordable than the competition.

Not only may your risk profile change, but auto insurance companies modify pricing at least once a year in order to remain profitable. Significantly higher losses may cause higher priced premiums, while less frequent claims may cause more affordable Dallas car insurance rates.

To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Dallas, TX for a 30-year-old female driver with no prior claims, no tickets, and excellent credit. Based on her current risk profile, Travelers has the cheapest car insurance rates in Dallas at $1,276 annually. This is $628 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remaining top five cheapest Dallas, TX auto insurance companies.

Let’s now give the driver from the above example an accident surcharge, less-than-perfect credit, and a few traffic violations. Since each auto insurer has a proprietary method for determining rates in each state, comparing rates may now result in a significantly different list of companies as shown below.

State Farm now has the cheapest rate in Dallas with Mercury, Nationwide, USAA, and Safe Auto also being competitive. This demonstrates why Dallas drivers need to shop around with many companies when trying to find the most affordable insurance rates for postal workers.

Auto insurance prices consist of many factors and can change substantially, so the lowest-price company a year ago may now be one of the more expensive options.