Who Has the Cheapest Auto Insurance for High Mileage Drivers in Texas?

Trying to find budget auto insurance is easier said than done, and deciding which companies quote the cheapest auto insurance rates for high mileage drivers requires a little more work.

Every auto insurer uses their own calculation to set their prices, so let’s take a look at the most competitive auto insurance companies in Texas. It’s important that readers know that Texas auto insurance rates are based on many factors that will increase or decrease the price you have to pay. This price variation is why consumers need to compare lots of rates to get cheap auto insurance rates for high mileage drivers. Insurance rates can be determined by many factors and change substantially, so the cheapest rate the last time you shopped around may now not even be in the top five.

Cheapest Insurance Rates in Texas

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Travelers quotes some of the cheapest car insurance rates in Texas at around $1,041 a year. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are also some of the best Texas insurance companies.

As the example above demonstrates, if you buy coverage from Germania Mutual and switched to Travelers, you could see savings of in the neighborhood of $203. Customers with Texas Farm Bureau may save as much as $206 a year, and California Casualty customers might reduce rates by $355 a year.

Bear in mind that those premiums are averaged across all types of insureds and vehicles and and are not figured with a rate decrease for high mileage drivers. So the company that can offer the best rates for your situation may not even be included in the list of companies shown earlier. That affirms the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

When buying auto insurance for high mileage drivers, one of the key considerations that auto insurance companies use to calculate rate quotes is where you choose to live. Areas with more people or more claims like McAllen, Brownsville, and Dallas tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims generally pay less for auto insurance.

The next table ranks the most expensive cities in Texas for high mileage drivers to purchase auto insurance in.

Rate information is comparative as specific location information can change coverage rates noticeably.

Performance level and cost of the vehicle needing coverage is a large factor that determines the availablility of cheaper coverage for high mileage drivers. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.

The data below shows insurance rates for a selection of the most economical vehicles to insure.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in specific location information which can increase or decrease auto insurance rates substantially.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in specific location which can modify coverage rates significantly.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in specific location which can influence coverage rates noticeably.

The illustration below highlights how deductible choice can influence insurance premiums when researching cheap insurance for high mileage drivers. The data assumes a single male driver, full physical damage coverage, and no discounts are taken into consideration.

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As shown above, a 40-year-old driver could lower their policy premium by $426 a year by switching from a $100 deductible to a $500 deductible, or save $638 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could save as much as $1,414 or more just by choosing higher deductibles when buying full coverage. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Finding a highly-rated insurer is difficult considering how many choices there are in Texas. The company information in the next section can help you select which auto insurers you want to consider when shopping around.

These rankings are only made up of companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Texas are not included in this list. To get rate quotes and find cheaper insurance for high mileage drivers, simply click here.

Top 10 Major Car Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Is the best company Progressive, State Farm, Allstate, or Geico?

When researching car insurance, probably the best companies to start with are Progressive, State Farm, Allstate, and Geico. All of them have a slightly different mix of options and features that shoppers can select from. The next table compares and contrasts ratings and policy coverage options that are available.