Life would sure be easier if we could simply give you the name of the one company that has the cheapest rates in Texas. Regrettably, it’s not quite that easy, as there are a whole bunch of unknown aspects like your gender, how safe your vehicle is, tickets or driving violations, and the crime level of your neighborhood, that all impact the cost of your policy. In this article, we will teach you about these things and hopefully give you enough understanding to have a good start in finding the cheapest car insurance.
Establishing which companies offer the most affordable car insurance rates for active military will involve more work in order to find the best policy.
Each insurer has their own unique process for determining rates, so we’ll take a look at the overall cheapest car insurance companies in Dallas.
Find the Cheapest Car Insurance for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
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Travelers generally has some of the most affordable car insurance rates in Dallas at around $1,010 a year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheapest Dallas, TX auto insurance companies.
As the example above demonstrates, if you have coverage with USAA and switched to Travelers, you might see an annual premium reduction of approximately $74. Texas drivers with Texas Farm Bureau may save as much as $225 a year, and Germania Mutual customers might reduce rates by $246 a year.
To compare your rates to other Texas insurance companies, click here to start your custom quote or feel free to get quotes from the companies below.
Remember that these policy rates are averaged across all insureds and vehicles and do not take into consideration an exact vehicle garaging location for active military. So the auto insurance company that fits your needs best may not even be in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
For military personnel, one of the big things that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your car in Dallas. More populated areas likely pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The following table rates the most expensive places in Texas for active military in which to purchase auto insurance. Dallas shows up at #2 with the yearly price of $1,911 for the average insured, which is around $159 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,909 |
| 4 | Brownsville | $1,908 |
| 5 | Laredo | $1,907 |
| 6 | Garland | $1,850 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,794 |
| 9 | Amarillo | $1,786 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,772 |
| 12 | Grand Prairie | $1,757 |
| 13 | Arlington | $1,709 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,659 |
| 18 | McKinney | $1,625 |
| 19 | Fort Worth | $1,604 |
| 20 | Corpus Christi | $1,588 |
| 21 | El Paso | $1,584 |
| 22 | Plano | $1,576 |
| 23 | Killeen | $1,533 |
| 24 | Waco | $1,522 |
| 25 | Abilene | $1,499 |
| Compare Rates Now Go | ||
Information shown are estimated as zip code location can increase or decrease coverage rates considerably.
Discounts on Dallas car insurance rates
Insurance providers that offer quotes for active military may provide discounts that could reduce prices by 40% or more if you meet specific eligibility requirements. A list of companies and the discounts they provide include:
- State Farm may include discounts for good driver, defensive driving training, anti-theft, driver’s education, passive restraint, multiple autos, and accident-free.
- GEICO policyholders can earn discounts including federal employee, anti-lock brakes, five-year accident-free, multi-vehicle, seat belt use, defensive driver, and military active duty.
- Progressive has discounts for homeowner, good student, online quote discount, multi-policy, online signing, continuous coverage, and multi-vehicle.
- 21st Century offers discounts including student driver, theft prevention, early bird, anti-lock brakes, and teen driver.
- American Family discounts include TimeAway discount, accident-free, early bird, mySafetyValet, defensive driver, and multi-vehicle.
- The Hartford has savings for air bag, anti-theft, defensive driver, bundle, vehicle fuel type, driver training, and good student.
- AAA may offer discounts for multi-policy, good driver, multi-car, anti-theft, AAA membership discount, and pay-in-full.
The chart below shows the difference between auto insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, claim-free, passive restraint, vehicle safety, and defensive driving course discounts applied. When taking advantage of discounts, the amount saved on car insurance for active military is 28% or $706.
Irresponsible driving raises your rates
The common sense way to score the most affordable car insurance rates for military personnel is to be a cautious driver and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and at-fault accidents impact car insurance costs for each different age group. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Texas per year with a clean driving record and no accidents is $1,708. Get two speeding tickets and the average cost rises to $2,357, an increase of $649 each year. Now throw in one accident along with the two speeding tickets and the annual cost of car insurance for active military jumps again to an average of $3,004. That’s an increase of $1,296, or $108 per month, just for not being a responsible driver!
Why it’s important to shop around
Texas car insurance rates are impacted by many things that can increase the policy price. Simply turning a year older, buying a different vehicle, or having an accident may prompt premium changes resulting in some companies being more affordable than others.
In addition to those changes, insurance companies change premium rates as often as every three months to adjust for heavy claims or excess profits. Significantly higher claims may cause more expensive premiums, while profitable underwriting can cause lower-priced Dallas car insurance rates.
As an example, the graph below shows which companies have the cheapest car insurance in Dallas, TX for a 35-year-old female driver with a clean driving record, no accidents, and a good credit history. If we estimate rates based on her current rating profile, Travelers offers the cheapest car insurance rates in Dallas at $1,312 each year. This is $592 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the top five cheapest Dallas, TX auto insurance companies.
In this example, we will give the driver from the above example a chargeable accident, a lower credit rating, and a blemish on her driving record. Since every insurance provider has a different formula to establish rates, comparing insurance quotes most likely will result in a substantially altered list of the cheapest Dallas car insurance companies as shown below.
Mercury now has the cheapest car insurance in Dallas with State Farm, USAA, Nationwide, and Safe Auto completing the list. This example illustrates why drivers need to do a thorough rate comparison to get the lowest auto insurance quotes for active military.
Car insurance prices are calculated by many risk factors and change dramatically, so the cheapest option the last time you compared rates may now be quite expensive.