Who Has the Cheapest Auto Insurance for Government Employees in Dallas?

The words “affordable” and “insurance” really shouldn’t be used together, specifically when trying to find the lowest insurance prices for government employees. To help control this cost, let’s familiarize you with some of the factors that have an impact on auto insurance prices, and figure out some ways to shave a little off the next policy you buy.

For state and federal workers, one of the big components that help determine insurance cost is where you normally keep your vehicle in Dallas. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.

The table below ranks the highest-priced places in Texas for government employees to buy auto insurance in. Dallas ranks #2 with the annual price of $1,893 for the average insured, which is approximately $158 per month.

How much does auto insurance cost in Dallas?
Rank City Annual Premium
1 McAllen $1,936
2 Dallas $1,893
3 Brownsville $1,870
4 Amarillo $1,858
5 Laredo $1,851
6 Houston $1,835
7 Pasadena $1,812
8 Grand Prairie $1,793
9 Garland $1,778
10 Beaumont $1,754
11 Mesquite $1,753
12 San Antonio $1,739
13 Lubbock $1,733
14 Irving $1,719
15 Arlington $1,692
16 Austin $1,627
17 Fort Worth $1,621
18 Corpus Christi $1,620
19 Plano $1,608
20 Carrollton $1,598
21 McKinney $1,577
22 Waco $1,569
23 El Paso $1,568
24 Killeen $1,518
25 Abilene $1,499
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Prices are approximated as the vehicle garaging location can alter price quotes substantially.

The make and model of vehicle you are trying to insure is one of the primary factors when trying to find affordable auto insurance for government employees. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.

The data below features car insurance rates for the cheaper automobiles to insure in Texas.

Cheapest Vehicles to Insure in Dallas, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Prius $1,397
Ford F-150 XLT Crew Cab 2WD $1,415
Honda Odyssey EX $1,464
Toyota RAV4 Sport 2WD $1,492
Toyota Camry LE $1,500
Chevrolet Silverado LS Regular Cab 2WD $1,494
Dodge Grand Caravan Crew $1,522
Honda Civic LX 4-Dr Sedan $1,540
Ford Focus SEL 4-Dr Sedan $1,548
Honda CR-V EX-L 4WD $1,581
Nissan Rogue S AWD $1,599
Hyundai Sonata SE 4-Dr Sedan $1,675
Ford Escape Limited 4WD $1,680
Toyota Camry Hybrid $1,706
Ford Fusion Sport AWD 4-Dr Sedan $1,715
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in zip code location which can influence auto insurance rates substantially.

Based upon the table data, we can presume that makes and models like the Toyota Prius, Ford F-150, Honda Odyssey, Toyota RAV4, and Toyota Camry are likely to be the cheapest vehicles to insure for state and federal workers.

Finding decent, cheap car insurance is not the easiest thing to do, and finding out which companies quote the most affordable car insurance rates for government employees will require even more perseverance. Each auto insurer has a different formula for determining rates, so first we will examine the car insurance companies with the overall cheapest rates in Dallas.

Find the Cheapest Car Insurance in Texas

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,128
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 $1,506
9 Nationwide $1,538
10 Safe Auto $1,597
11 Allstate $1,667
12 Progressive $1,715
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,072
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,333
19 21st Century $2,421
20 Titan $2,568
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Travelers generally has some of the most affordable car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Dallas, TX auto insurance companies.

As depicted above, if you have coverage with USAA and switched to Travelers, you may see an annual premium reduction of roughly $107. Drivers with Texas Farm Bureau could save as much as $190 a year, and Germania Mutual insureds might reduce rates by $235 a year.

Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific location for government employees. So the insurer that can offer you the lowest price may not even be in the top 23 companies in the list above. That illustrates why you need to compare as many prices as possible using your own individual information.

Discount Dallas auto insurance rates

Save on car insurance for state and federal workers in DallasAuto insurance companies that offer cheap quotes for government employees may provide policy discounts that could potentially reduce rates by as much as 30% if you are eligible. A list of companies and their possible discounts are shown below.

The diagram below illustrates the difference between premium costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, vehicle safety, anti-theft, marriage, homeowner, and claim-free discounts applied. When drivers qualify for the discounts, the amount saved on car insurance for government employees is 28% or $678.

The chart below highlights how deductible choice can increase or decrease insurance prices when quoting cheap insurance for government employees. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could save $374 a year by increasing from a $100 deductible to a $500 deductible, or save $564 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $1,236 or even more by choosing a higher deductible. When choosing a higher deductible, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Ideas for finding budget-friendly insurance for government employees

Here are some penny-pinching ideas that can help Dallas drivers get cheaper car insurance.

That last piece of advice is notably significant, as was affirmed in the prior information. Car insurance prices can be modified anytime, so you should be ready to switch to a new company if you find a cheaper price. Staying with the same car insurance company is fine, but it isn’t a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. Now is a great time to shop around and find cheaper insurance for government employees in Dallas.

If you prefer to have some advice when comparing insurance rates for government employees, the insurance agencies below are a good start to help you determine which car insurance company is the best fit. To find an agent using an interactive map, click the button at the bottom of the list.

View map of Dallas, TX insurance agents