Best Cheap Auto Insurance for Government Employees in Texas

This would be a much quicker read if we could simply tell you the company that has the most affordable coverage in Texas. It’s just not that easy, however, as there are many unknown aspects such as if you are currently insured, your financial responsibility, and deductibles for comprehensive and collision coverage, that all impact the cost of your policy. In this article, we will teach you about these factors and others that can influence the price of auto insurance and will hopefully give you some help in finding cheaper rates.

Determining which company offers the cheapest car insurance rates for government employees will involve a little more effort in order to find the best price.

Each insurer has their own guidelines to establish rates, so we’ll take a look at the car insurance companies with the overall cheapest rates in Texas. It’s a good idea to know that Texas car insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Improving your credit score, increasing liability limits, or having an accident can trigger price changes that may make certain companies cheaper than before.

Best Cheap Insurance Rates in Texas

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Travelers normally has some of the cheapest car insurance rates in Texas at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the more affordable Texas auto insurance companies.

As the rates illustrate above, if you are currently insured with Texas Farm Bureau and switched to Travelers, you could earn an annual savings of roughly $147. Policyholders with Germania Mutual might save as much as $242 a year, and California Casualty policyholders might reduce rates by $330 a year.

To find the best cheap auto insurance for government employees in Texas, click here to start your custom quote or click through to the companies below.

Bear in mind that those rates are averages for all types of insureds and vehicles and and are not figured with a price decrease for government employees. So the insurer that fits your age and vehicle best may not even be featured in the above list. That point stresses why you need to compare rates from multiple companies using your own driver and vehicle profiles.

For state and federal workers, one of the more important factors that auto insurance companies use to calculate the policy price is your zip code in Texas. Areas with more people or even just a higher incidence of claims like McAllen, Houston, and Amarillo will most likely have higher rates, whereas areas with less people or fewer weather incidents generally benefit from lower auto insurance rates.

The following table ranks the priciest cities in Texas for government employees to buy car insurance in.

Rate quotes are estimated as the specific geographic location can change rates greatly.

The type of vehicle you are seeking coverage for is probably the largest consideration when shopping around for affordable auto insurance for government employees. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost much less to insure than higher performance models.

The table below showcases auto insurance prices for some of the more afforable automobiles to insure in Texas.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in vehicle location which can increase or decrease rates substantially.

Based upon the table data, makes and models like the Honda CR-V, Ford Escape, Honda Accord, Toyota Tacoma, and Ford Explorer are likely to be some of the less-costly vehicles to insure for state and federal workers.

Discounts on the best cheap auto insurance for government employees in Texas

Insurance companies that offer cheap quotes for government employees may also provide premium discounts that may potentially lower prices by as much as 35% or more if you are eligible. A list of car insurance companies and some of their more popular discounts can be found below.

• GEICO offers discounts including military active duty, anti-lock brakes, good student, driver training, and multi-policy.
• Mercury Insurance offers discounts for multi-policy, good driver, anti-theft, accident-free, and professional/association.
• Farmers Insurance includes discounts for distant student, youthful driver, alternative fuel, bundle discounts, early shopping, and good student.
• Auto-Owners Insurance may have discounts that include group or association, paperless, air bags, anti-lock brakes, student away at school, safe vehicle, and anti-theft.
• Liberty Mutual may offer discounts for preferred payment discount, multi-car, newly retired, hybrid vehicle, and new move discount.
• SAFECO has savings for accident prevention training, anti-theft, safe driver, homeowner, teen safety rewards, bundle discounts, and multi-car.
• Progressive has discounts for good student, continuous coverage, homeowner, online quote discount, multi-policy, and multi-vehicle.
• USAA discounts include annual mileage, good student, driver training, multi-vehicle, and safe driver.

The diagram below compares insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, safe-driver, marriage, passive restraint, multiple vehicle, and claim-free discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for government employees is 28% or $445.

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Progressive vs Allstate vs State Farm vs Geico

When shopping around for car insurance for state and federal workers, four companies you’ll want quotes from are Progressive, Allstate, State Farm, and Geico. Each company has slightly different coverages and options that drivers can select from. The next table breaks down pricing and service ratings, plus some optional coverages you can expect with each one.