Cheapest Auto Insurance for State Employees in Texas

The words “economical” and “insurance” really don’t belong together, specifically when you are shopping around for the cheapest car insurance for state employees. In an attempt to save some money, let’s open your eyes to some situations the can have a considerable influence on car insurance prices, and come up with some ideas to take the sting out of the next policy you buy.

When shopping for auto insurance for state workers, one of the many components used to determine the price of your policy is the neighborhood you call home. Areas with high crime rates or more dense population like McAllen, Laredo, and Houston tend to pay higher rates, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The information below rates the most expensive areas in Texas for state employees in which to purchase auto insurance.

Information shown are approximated as specific Texas garaging address can increase or decrease auto insurance rates significantly.

Figuring out which companies quote the lowest-priced insurance rates for state employees will involve a little more sweat in order to find the best policy. Every auto insurer has a proprietary method to determine premium rates, so let’s rank the most affordable insurance companies in Texas.

It’s important that readers know that Texas insurance rates are calculated based on many things which can substantially change the price of your policy. Simply turning a year older, becoming a homeowner, or having a fender bender can cause premium changes that may make certain companies more affordable than the competition.

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Travelers may have some of the lowest car insurance rates in Texas at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the lowest-priced Texas insurance companies.

In the rate table above, if you are insured with Germania Mutual and switched to USAA, you could earn an annual savings of approxmiately $128. Policyholders with Esurance might save as much as $293 a year, and California Casualty insureds might lower prices by $296 a year.

To get a fast rate comparison, click here to get a free quote or click several companies below for low rates.

It’s important to note that these policy prices are averaged across all insureds and vehicles and and are not calculated with a rate decrease for state employees. So the insurer that fits your age and vehicle best may not even be shown in the above list. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.

How accidents and tickets impact rates

In a perfect world, the best way to get good insurance premiums in Texas for state workers is to drive safe and not have accidents or get tickets. The diagram below highlights how traffic violations and at-fault collisions can affect insurance costs for different ages of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of car insurance per year with no accidents and a clean driving record is $2,050. Get one speeding ticket and the average cost rises to $2,390, an increase of $340 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for state employees increases to an average of $5,344. That’s an increase of $3,294, or $274 per month, just for being a less-than-perfect driver!

Discounts on Texas auto insurance

Car insurance companies that offer the cheapest auto insurance for state employees in Texas may also give you policy discounts that could lower prices by 35% or more if you meet specific criteria. A few popular companies and the discounts they provide are shown below.

• GEICO offers premium reductions for military active duty, defensive driver, driver training, anti-theft, and seat belt use.
• MetLife discounts include good student, claim-free, accident-free, good driver, multi-policy, and defensive driver.
• Progressive may have discounts that include continuous coverage, multi-vehicle, multi-policy, online quote discount, online signing, homeowner, and good student.
• Travelers may include discounts for save driver, good student, hybrid/electric vehicle, new car, and student away at school.
• SAFECO includes discounts for anti-lock brakes, teen safety rewards, safe driver, teen safe driver, drive less, bundle discounts, and homeowner.
• AAA offers discounts including multi-car, good student, good driver, multi-policy, anti-theft, and education and occupation.

The diagram below shows the difference between auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, anti-theft, accident-free, homeowner, and multiple vehicle discounts applied. When discounts are factored in, the the average yearly reduction on insurance for state employees is 28% or $756.

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

When researching auto insurance for state workers, four companies you’ll want quotes from are Allstate, Geico, State Farm, and Progressive. When combined, they insure almost 50% of the entire U.S. auto insurance market. The following table rates price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.

Who has the cheapest insurance quotes for state workers?

Thanks to the internet, there are a lot of ways to find cheap insurance in Texas, but the most common methods are from a non-exclusive or independent agent, an exlusive agent such as Liberty Mutual or Allstate, or from a direct company like Geico.

You can use whichever method you prefer, but it’s important to point out the distinctions in how they work.

Independent agencies work with multiple companies and can compare rates with each one. These agents are not restricted to one company and can compare multiple rates, which can give you better odds of saving money. If cheaper coverage is found, your policy is moved internally which is easy for the insured.

An exclusive agent is able to quote prices with one insurance company, two examples are a State Farm or Farmers agent. These agents are unable to quote prices from more than just one company, so it’s a good idea to get additional price quotes.

Buying direct means you skip an independent or exclusive agent and instead buy buying direct from a company like Progressive or Esurance. This option may be good for consumers who do not need risk management and have a decent understanding of what coverages they need.

Which way is best to buy the cheapest auto insurance for state employees in Texas? It would be easy to say buying from a direct car insurance company results in the cheapest rates since there isn’t an agent involved, but that generally is not the case. A good argument could also be made that buying from an independent agent saves the most money due to having more companies to select from, but that is not accurate either. In some circumstances, exclusive agencies have really good rates that cannot be beaten by either independent or direct companies.

Due to that fact that insurance uses so many rating variables, the best way to buy the cheapest coverage is to do a thorough rate comparison. We highly recommend getting quotes from all three types to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.