What Car Insurance is Cheapest for a Company Car in Dallas?

The car, truck, or SUV requiring insurance is one of the biggest factors when quoting low-priced coverage for a company car. Vehicles with average performance, good crash test ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The next list shows car insurance rates for a number of the most affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Dallas, TX
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,254
Ford Escape Limited 2WD $1,282
Ford F-150 STX Super Cab 4WD $1,438
Honda Accord EX 4-Dr Sedan $1,440
Ford Focus S 4-Dr Sedan $1,458
Toyota RAV4 4WD $1,486
Chevrolet Impala LT $1,494
Chevrolet Equinox LS AWD $1,486
Ford Edge Sport AWD $1,562
Toyota Corolla LE $1,569
Hyundai Elantra SE 4-Dr Sedan $1,562
Toyota Camry XLE $1,568
Toyota Prius $1,593
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific Dallas, TX garaging location which can influence rates significantly.

Based upon the rates shown, you can infer that makes and models like the Honda CR-V, Ford Escape, and Ford F-150 should be some of the cheaper vehicles to insure for your employer’s vehicle.

One of the many components that help determine car insurance rates is where you live. Regions with larger populations or more claims tend to have higher rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The illustration below lists the highest-priced areas in Texas for a company car in which to purchase auto insurance. Dallas is ranked at #3 with a yearly cost of $1,893 for the average policy, which is approximately $158 each month.

How much is car insurance in Dallas?
Rank City Annual Premium
1 McAllen $1,996
2 Brownsville $1,908
3 Dallas $1,893
4 Laredo $1,851
5 Amarillo $1,840
6 Houston $1,835
7 Garland $1,832
8 Pasadena $1,812
9 Mesquite $1,771
10 Grand Prairie $1,757
11 San Antonio $1,739
12 Irving $1,736
13 Lubbock $1,716
14 Beaumont $1,702
15 Austin $1,676
16 Arlington $1,658
17 Fort Worth $1,653
18 McKinney $1,625
19 Corpus Christi $1,620
20 Carrollton $1,598
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Price information shown is comparative as zip code location can affect prices greatly.

Trying to buy affordable insurance is not most people’s favorite thing to do, and finding out which company has the lowest-priced insurance rates for a company car may require more quotes for comparison. Each auto insurance company uses their own calculation for filing rates in each state, so we’ll go over the insurance companies with the most affordable rates in Texas.

Keep in mind that Dallas insurance rates are influenced by many factors that control the policy price. This price fluctuation is why it is so important to shop around with many companies when trying to find affordable auto insurance quotes for a company car. Auto insurance prices can be altered by many factors and can increase or decrease at any time, so the most economical option six months ago may now be an over-priced policy.

Lowest Insurance Price Quotes in Texas

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 California Casualty $1,396
6 Esurance $1,421
7 Mercury $1,461
8 State Farm $1,465
9 Safe Auto $1,549
10 Nationwide $1,553
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,775
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,161
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,568
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Travelers may have some of the lowest car insurance rates in Dallas at around $1,052 a year. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the cheaper Dallas, TX car insurance companies.

As depicted above, if you are insured with USAA and switched to Travelers, you might see savings of in the neighborhood of $76. Drivers with Texas Farm Bureau may save as much as $183 a year, and Germania Mutual insureds might reduce rates by $230 a year.

Remember that these premium estimates are averages across all types of insureds and vehicles and do not take into consideration a specific zip code for a company car. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That is why you need to get car insurance quotes using your own driver information and specific vehicle type.

Insuring your vehicle with the top insurance company is difficult considering how many companies sell coverage in Texas. The ranking information in the next section can help you pick which auto insurers you want to consider purchasing from. The rankings below include companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for these rankings.

Top 15 Insurance Companies for a Company Car in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

Discount Dallas car insurance

Insurance for your employer's vehicle in Dallas, TXInsurance companies that sell policies for a company car could also offer price discounts that could potentially reduce rates by as much as 30% if you meet specific eligibility requirements. A list of companies and some of the premium reductions they offer are outlined below.

The diagram below shows the comparison of car insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, vehicle safety, defensive driving course, and anti-theft discounts applied. With discounts applied, the average yearly reduction on insurance for a company car is 28% or $637.

How to find more affordable auto insurance for a company car

The list below summarizes many money-saving ideas that can help Texas drivers buy cheaper coverage.

The final tip is remarkably important, as we discussed in the prior article. Prices charged by car insurance companies can change in a short period of time, so don’t be unwilling to buy from a different company if a more affordable rate is found.

Sticking with a specific company is fine, but it’s not recommended if it’s costing you several hundred dollars every year. Take a couple minutes and compare rates and find cheaper car insurance for a company car in Dallas.