Cheapest Car Insurance for Seniors in Texas

Cheapest Car Insurance for Seniors in Texas

I’m sure you’ve seen the catchy advertisements from insurers like GEICO and Allstate that claim the cheapest rates, so you should just pick the one with the best commercial, right?

It’s just not that easy, however, as there are a lot of unknown aspects like your date of birth, what coverage limits you want, if you want full coverage, and whether you are single or married. This article will detail these topics and also should give you a solid foundation to find cheaper car insurance.

The vehicle that needs insurance is a large factor when shopping around for the best coverage for seniors. Vehicles with lower performance, advanced safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models. The information below ranks coverage premiums for a handful of the cheaper vehicles to buy insurance for.

Auto Insurance Rates for Popular Cars in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SEL 4-Dr Sedan $866 $433 $72
Ford Fusion SEL 4-Dr Sedan $902 $451 $75
Honda Accord LX 4-Dr Sedan $710 $355 $59
Honda Civic LX 2-Dr Coupe $1,024 $512 $85
Hyundai Elantra SE 4-Dr Sedan $884 $442 $74
Hyundai Sonata Limited 4-Dr Sedan $960 $480 $80
Kia Optima EX $960 $480 $80
Toyota Camry XLE $884 $442 $74
Toyota Corolla XRS $902 $451 $75
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Table data represents married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price information does not factor in zip code location which can lower or raise premium rates greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $920 $460 $77
Chevrolet Suburban LS 2WD $858 $429 $72
Chevrolet Traverse LT AWD $790 $395 $66
Ford Escape Limited 2WD $728 $364 $61
Ford Explorer Eddie Bauer AWD $858 $429 $72
GMC Acadia SLT 2WD $840 $420 $70
Honda CR-V EX-L 2WD $728 $364 $61
Honda Fit $668 $334 $56
Honda Pilot EX 4WD $814 $407 $68
Jeep Grand Cherokee SRT-8 4WD $902 $451 $75
Lexus RX 350 4WD $1,022 $511 $85
Subaru Forester X Premium AWD $790 $395 $66
Toyota Highlander Sport 2WD $858 $429 $72
Toyota RAV4 Sport 2WD $840 $420 $70
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Table data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in specific Texas garaging location which can influence insurance rates considerably.

Auto Insurance Rates for Popular Pickup Trucks in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $822 $411 $69
Chevrolet Silverado 3500HD LT Crew Cab 2WD $920 $460 $77
Chevrolet Silverado LS Regular Cab 4WD $778 $389 $65
Dodge Ram 2500 Crew Cab SLT 4WD $1,040 $520 $87
Dodge Ram 3500 Crew Cab ST 4WD $1,208 $604 $101
Dodge Ram Crew Cab SLT 4WD $978 $489 $82
Ford F-150 XL Regular Cab 4WD $796 $398 $66
GMC Sierra SLT Extended Cab 2WD $902 $451 $75
Toyota Tacoma 2WD $822 $411 $69
Toyota Tundra Double Cab 4WD $916 $458 $76
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Data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in specific location which can modify auto insurance rates considerably.

When shopping for cheaper insurance for senior citizens, one of the many factors that control the price you pay for insurance is where you live. Larger areas like McAllen, Brownsville, and Amarillo tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the luxury of lower rates.

The next table sorts the most expensive cities in Texas for seniors to purchase auto insurance in.

How much does auto insurance cost in Texas?
Rank City Average Per Year
1 McAllen $2,016
2 Dallas $1,893
3 Brownsville $1,870
4 Laredo $1,851
5 Amarillo $1,840
6 Houston $1,835
7 Mesquite $1,825
8 Pasadena $1,812
9 Garland $1,778
10 Irving $1,772
11 Grand Prairie $1,740
12 San Antonio $1,739
13 Lubbock $1,716
14 Arlington $1,709
15 Beaumont $1,702
16 Carrollton $1,647
17 Austin $1,627
18 McKinney $1,625
19 Fort Worth $1,621
20 Corpus Christi $1,620
21 Waco $1,584
22 El Paso $1,584
23 Plano $1,576
24 Abilene $1,561
25 Killeen $1,533
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Price information shown is estimated as the specific area where the vehicle is garaged can lower or raise price quotes considerably.

Poor driving habits will raise your auto insurance rates

In a perfect world, the ideal way to get the cheapest car insurance for seniors in Texas is to drive cautiously and not get tickets or have accidents. The chart below demonstrates how speeding tickets and at-fault claims influence yearly insurance costs for different insured age categories. The rate quotes are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

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In the chart above, the average cost of an auto insurance policy in Texas per year with no violations or accidents is $1,709. Get written up for two speeding tickets and the average cost swells to $2,285, an increase of $576 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for seniors jumps again to an average of $4,531. That’s an increase of $2,823, or $235 per month, just for a couple of infractions!

Insuring your vehicle with a highly-rated auto insurance provider is hard considering how many companies there are to choose from in Texas. The rank data displayed below can help you pick which companies you want to consider comparing rates with.

The ratings below are only made up of companies that write coverage in many states, so companies that only write business in Texas or surrounding areas are not factored into these rankings. To compare rates from the insurers below and more, follow this link.

Top Auto Insurance Companies for Seniors
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper auto insurance for seniors

It is possible to find better rates, and here are some of the better money-saving suggestions that can help Texas drivers quote the cheapest auto insurance.

  • Do not get into accidents that are your fault
  • Higher credit ratings may save you money
  • Save money by observing traffic laws and speed limits
  • Safer vehicles generally have cheaper insurance rates
  • Try paying for small claims out-of-pocket
  • Compare rates often to find the best deal

The last tip is extremely valuable, as was stressed in the prior information. Coverage prices adjust often, so don’t be tentative to change to a new company if a more affordable rate is found. Loyalty to a specific company is fine, but it’s not recommended if that stubbornness costs you a considerable chunk of change every month. If you have a few minutes, compare prices and find cheaper auto insurance for seniors.

Best cheap insurance quotes for senior citizens

There are many ways to shop around for auto insurance in Texas, but the most common are through an independent insurance agent, a captive (or exclusive) agent like Allstate or Auto-Owners, or direct either online or via phone.

You can use whichever method you prefer, but they are slightly different in how they provide price quotes.

Independent insurance agencies can place your business with multiple companies and can provide price quotes from every one. Independent agents do not work for one specific company and can provide multiple price quotes, which can help you get a better chance of finding cheaper coverage. If they find a cheaper price, they simply switch companies in-house and you don’t have to switch agencies.

An exclusive agent is able to quote prices with a single insurance company, for example Allstate and Liberty Mutual agents. These agents usually cannot quote prices from more than a single company, so you might not find the best rates.

Buying auto insurance direct means you bypass a local insurance agent and instead shop from a direct company like Progressive. Buying auto insurance direct may be a decent choice drivers who do not need complex risk management and have an above average understanding of the limitations of auto insurance.

Out of those three methods, which one works best for finding the cheapest car insurance for seniors in Texas? Our initial answer would be buying from a direct company results in the cheapest price because there is no agent involved, but that does not always hold true. And we’d like to say using an independent agent is the best way to save since there are more companies to choose from, but that assumption is not true either. And occasionally, exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Since auto insurance companies use so many rating factors, the one way to ensure you are not overpaying for auto insurance is to get quotes and compare. In a perfect world, youll get price quotes from all three to have the best selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.