Figuring out which company quotes the cheapest auto insurance rates for state employees involves a little more work in order to find the lowest price.
Each company uses their own calculation for filing rates in each state, so let’s take a look at the most affordable auto insurance companies in Texas. It’s a good idea to know that Texas auto insurance rates are based on many factors which can substantially change the price you have to pay. Simply improving your credit, getting married, or getting a couple of tickets may prompt premium changes that can now make some companies cheaper than competitors.
Find Cheaper Auto Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
|Find Your Rate Go|
Travelers may have some of the most affordable car insurance rates in Dallas at around $1,010 annually. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical Dallas, TX car insurance companies.
In this example, if you are insured with Germania Mutual and switched to USAA, you could earn yearly savings of upwards of $198. Customers with Esurance might save as much as $281 a year, and California Casualty customers might see rate reductions of $312 a year.
Understand that those premium estimates are averages across all ages of drivers and types of vehicles and do not take into consideration an exact location for state employees. So the car 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 illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.
For state workers, one of the big components that are looked at to determine the amount you pay for auto insurance is where you normally keep your vehicle in Dallas. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas more rural areas benefit from lower prices.
The next table lists the most expensive places in Texas for state employees to purchase car insurance in. Dallas comes in at #5 with a yearly premium of $1,855 for the average insurance policy, which is approximately $155 per month.
|Rank||City||Average Per Year|
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Rate quotes are approximated as the specific area where the vehicle is garaged can raise or lower prices greatly.
The car, truck, or SUV you are buying coverage for is probably the most important factor that determines whether or not you can buy the best cheap coverage for state employees. Vehicles with economical engines, advanced safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models.
The table below outlines car insurance rates for a handful of the more affordable vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,234|
|Ford Focus S 4-Dr Sedan||$1,399|
|Volkswagen Jetta 2.0T Station Wagon||$1,411|
|Toyota Tacoma Double Cab 4WD||$1,426|
|Honda CR-V LX 2WD||$1,479|
|Honda Accord LX-P 4-Dr Sedan||$1,485|
|Chevrolet Impala LTZ||$1,501|
|Chevrolet Malibu LTZ||$1,528|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,551|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,561|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,583|
|Honda Civic DX 4-Dr Sedan||$1,606|
|Ford Edge Limited 2WD||$1,612|
|Nissan Rogue SL AWD||$1,608|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$1,631|
|Dodge Grand Caravan Hero||$1,636|
|Kia Optima SX||$1,645|
|Toyota Corolla LE||$1,720|
|Chevrolet Equinox LT AWD||$1,750|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location which can impact premium rates noticeably.
Based upon the rates shown, you can expect cars like the Ford Escape, Ford Focus, and Volkswagen Jetta are going to be the most budget-friendly vehicles to insure for state workers.
Illustration showing the impact of accidents and violations
The easiest method to enjoy the most affordable auto insurance prices for state workers is to be a safe driver and avoid accidents and traffic citations. The diagram below demonstrates how citations and accidents impact premium costs for different age groups of insureds. The costs are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
In the example above, the average cost of an auto insurance policy in Dallas per year with no violations or accidents is $2,429. Get two speeding tickets and the average cost rises to $3,233, an increase of $804 each year. Then add in two accidents along with the two speeding tickets and the annual cost of auto insurance for state employees increases to an average of $5,954. That’s an increase of $3,526, or $294 per month, just for not being more responsible behind the wheel!
Insuring your vehicle with the highest-rated insurer is hard considering how many different companies there are to choose from in Texas. The ranking information in the next section can help you decide which coverage providers you want to consider comparing rates with.
The rankings below are only made up of the largest companies in America, so companies that focus mainly on Texas business are not taken into consideration for the list. To compare prices from many more Texas auto insurance companies, follow this link.
Top 10 Large Auto Insurance Companies in Dallas Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Large Auto Insurance Companies in Dallas Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Cost of full coverage in Dallas
Saving on auto insurance should be important to the majority of drivers, and one of the quickest ways to buy cheaper insurance for state employees is to only buy liability coverage. The diagram below illustrates the comparison of insurance rates with and without physical damage coverage. The price estimates are based on no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are applied to the premium.
If averaged out across all ages, physical damage coverage on your policy costs an extra $2,718 per year more than buying just liability insurance. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no clear-cut formula to drop physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s book value is $10,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $9,000 after paying the physical damage deductible. If premiums are more than $900 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
How to find low-cost insurance for state employees
Here are some of the recommended penny-pinching ideas that can help drivers get cheap car insurance.
- Save money by staying claim-free
- Do not get into accidents
- Higher credit scores may earn you cheaper rates
- Buy a car with high safety ratings
- Violations and traffic tickets increase rates
- Comparison shop at least once a year
The last tip in the list is remarkably significant, as was noted in the prior article. Auto insurance rates fluctuate constantly, so don’t be hesitant to switch to a new company if you can find a cheaper rate.
Staying with the same company for years is fine, but it’s not a great idea if that dedication is costing thousands of dollars over the life of your policy. In just a couple of minutes you could shop around and find cheaper auto insurance for state employees in Dallas.
If you would rather get some professional input when buying car insurance for state employees, the agencies below are willing to help you determine which coverages and limits you need.
To locate an agency close to you, click the button following the list.
- Mike Baker – State Farm Insurance Agent
3400 Carlisle St Ste 470 – Dallas, TX 75204 – (214) 780-0900
- Texas Insurance Pro
2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326
- Joe Pearce – State Farm Insurance Agent
9543 Losa Dr #111 – Dallas, TX 75218 – (214) 327-9315