For health professionals, one of the largest components that aid in calculating auto insurance rates is the neighborhood you call home in Dallas. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The illustration below lists the highest-priced places in Texas for nurses to buy auto insurance in. Dallas is listed at #2 with an annual premium of $1,911 on average, which is about $159 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,909 |
| 4 | Laredo | $1,907 |
| 5 | Brownsville | $1,870 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,807 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Amarillo | $1,786 |
| 11 | Irving | $1,772 |
| 12 | Lubbock | $1,733 |
| 13 | San Antonio | $1,722 |
| 14 | Beaumont | $1,702 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,642 |
| 17 | Corpus Christi | $1,636 |
| 18 | McKinney | $1,625 |
| 19 | Fort Worth | $1,621 |
| 20 | Carrollton | $1,598 |
| 21 | El Paso | $1,584 |
| 22 | Abilene | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Waco | $1,522 |
| 25 | Killeen | $1,518 |
| Find Cheaper Rates Go | ||
Table data uses approximated as the specific zip code location can affect coverage prices considerably.
The make and model of vehicle to be insured is a significant factor when looking for the most affordable insurance for nurses. Vehicles with high performance engines, a lack of modern safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.
The list below presents auto insurance costs for some of the most economical vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,103 |
| Toyota Prius | $1,225 |
| Ford Explorer XLT 4WD | $1,240 |
| Ford Escape XLT 2WD | $1,258 |
| Honda Odyssey EX W/Rear Entertainment | $1,279 |
| Toyota RAV4 4WD | $1,308 |
| Chevrolet Malibu LS | $1,317 |
| Honda Civic LX 4-Dr Sedan | $1,349 |
| Honda Accord EX-L 4-Dr Sedan | $1,373 |
| Ford F-150 XLT Regular Cab 2WD | $1,375 |
| Ford Fusion Sport 4-Dr Sedan | $1,404 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,414 |
| Dodge Grand Caravan CV | $1,409 |
| Toyota Tacoma 4WD | $1,418 |
| Chevrolet Impala LS | $1,456 |
| Jeep Grand Cherokee Laredo 4WD | $1,489 |
| Toyota Camry Hybrid | $1,497 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,523 |
| Ford Focus SES 4-Dr Sedan | $1,536 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,565 |
| Dodge Ram 2500 Crew Cab Laramie 2WD | $1,572 |
| Ford Edge Sport AWD | $1,570 |
| Ford F-250 XL Crew Cab Turbo Diesel 2WD | $1,591 |
| Get a Custom Quote Go | |
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in Dallas, TX location which can affect prices significantly.
Looking at the numbers, you can see that cars like the Honda CR-V, Toyota Prius, Ford Explorer, Ford Escape, and Honda Odyssey are most likely to be a few of the most affordable vehicles to insure for health professionals.
Establishing which companies offer the cheapest auto insurance rates for nurses takes more time than just quoting one company’s rates. Each insurer uses their own formula for determining rates, so we’ll take a look at the most affordable auto insurance companies in Dallas, TX.
It’s a good idea to know that Dallas, TX auto insurance rates are based on many factors that can increase the cost of your policy. Simply improving your credit, moving across town, or getting a ticket for running a stop sign may prompt premium changes that can make some companies cheaper than competitors.
Find Cheaper Auto Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
| Get a Custom Quote Go | ||
Travelers has some of the best car insurance rates in Dallas at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper Dallas, TX insurance companies.
In the above rates, if you currently have coverage with Germania Mutual and switched to USAA, you might see savings of about $116. Customers with Esurance may save as much as $251 a year, and California Casualty insureds might see rate reductions of $268 a year.
It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for nurses. So the 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 get rate quotes from many companies using your own personal information and vehicle type.
Should you buy full coverage?
Saving money when shopping for auto insurance is the goal of the majority of drivers, and an effective way to reduce the cost of insurance for nurses is to only pay for liability coverage. The chart below compares insurance rates with full coverage compared to only the Texas minimum liability coverage. The rates are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, full coverage costs $1,598 per year more than insuring for liability only. Many drivers will wonder if you should buy full coverage. There is no set guideline for dropping physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
Insurance rate increases from tickets or accidents
In a perfect world, the ideal way to receive good auto insurance rates for health professionals is to be a good driver and maintain a clean driving record. The chart below illustrates how traffic citations and at-fault accidents impact car insurance rates for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance in Dallas per year with no accidents or violations is $1,649. Receive two speeding tickets and the average cost hikes up to $2,202, an increase of $553 each year. Then add in one accident along with the two speeding tickets and the yearly cost of auto insurance for nurses goes up to an average of $2,762. That’s an increase of $1,113, or $93 per month, just for not paying attention while driving!
How to find economical car insurance for nurses
The list below summarizes many penny-pinching ideas that can help drivers find cheap auto insurance.
- Pay for small claims rather than turning them in to your insurance company
- Serious violations like DUI or reckless driving can increase rates dramatically
- Buying car and homeowners insurance together can save money
- Remain accident-free and save
- Get cheaper liability coverage by choosing a safer vehicle
- Compare rate quotes often
That last tip is highly vital, as we pointed out in this piece. Insurance prices change constantly, so don’t be afraid to switch carriers if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not a good idea if that stubbornness costs you a considerable chunk of change every month. In just a couple of minutes you could shop around to find cheaper auto insurance for nurses in Dallas.
The insurance agencies listed below are a good start to answer your questions and help you decide which coverages and limits you need, since some people prefer to get some help when comparing insurance rates for nurses. It’s not always easy to find coverage yourself, so getting professional guidance from a licensed agent can add comfort knowing your coverage gives you adequate protection. To locate a Dallas auto insurance agent closest to you, click the link after the list.
- Associations Insurance Agency, Inc.
5401 N Central Expy Suite 200 – Dallas, TX 75205 – (866) 384-8579 - Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404 - Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128