The words “cheap” and “insurance” really don’t belong together, especially when looking for the best price on coverage for drivers with accidents. Let’s open your eyes to some of the factors that have an effect on car insurance premiums, and figure out some ideas to take the sting out of the next policy you buy.
For drivers with at-fault accidents, one of the more important considerations that determine the cost of insurance is your address in Houston. Regions with larger populations or more claims tend to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The following table sorts the highest-priced places in Texas for drivers with accidents to buy car insurance in. Houston is listed at #3 with a yearly premium of $1,891 for the average insurance policy, which is around $158 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,908 |
| 3 | Houston | $1,891 |
| 4 | Laredo | $1,889 |
| 5 | Amarillo | $1,840 |
| 6 | Dallas | $1,837 |
| 7 | Garland | $1,778 |
| 8 | Irving | $1,772 |
| 9 | Mesquite | $1,753 |
| 10 | Grand Prairie | $1,740 |
| 11 | Pasadena | $1,740 |
| 12 | San Antonio | $1,722 |
| 13 | Beaumont | $1,720 |
| 14 | Lubbock | $1,716 |
| 15 | Fort Worth | $1,670 |
| 16 | Carrollton | $1,647 |
| 17 | Arlington | $1,642 |
| 18 | Austin | $1,627 |
| 19 | Corpus Christi | $1,620 |
| 20 | McKinney | $1,609 |
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Rates are estimated as the vehicle garaging location can raise or lower coverage rates greatly.
Comparing rates for low-cost auto insurance is not easy, and finding out which companies have the most affordable auto insurance rates for drivers with accidents may require even more diligence. Each insurance company has their own guidelines for determining rates, so let’s take a look at the lowest cost auto insurance companies in Houston.
It’s important that you understand Houston auto insurance rates are impacted by many factors which can substantially change the cost of a policy. This is why Texas drivers need to compare lots of rates to get cheap insurance rates for drivers with accidents. Auto insurance prices consist of many things and change dramatically, so the cheapest rate six months ago may now be quite expensive.
Compare Cheap Insurance Quotes for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers normally has some of the best car insurance rates in Houston at around $1,010 each year. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Houston, TX car insurance companies.
As shown in the table above, if you currently buy coverage from Germania Mutual and switched to USAA, you could earn a yearly savings of around $128. Policyholders with Esurance may save as much as $279 a year, and California Casualty policyholders might reduce rates by $310 a year.
These prices are averages for all insureds and vehicles and and are not figured with an exact zip code location for drivers with accidents. So the insurer that has the cheapest rates for you may not even be in the top 23 companies shown above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.
Get discounts on Houston auto insurance
Car insurance companies that offer quotes for drivers with accidents may also provide premium discounts that can lower rates by 30% or more if you qualify. A few popular companies and their possible discounts can be read below.
- Farm Bureau offers discounts for 55 and retired, renewal discount, driver training, multi-policy, safe driver, and multi-vehicle.
- State Farm may offer discounts for driver’s education, anti-theft, good student, multiple autos, student away at school, safe vehicle, and good driver.
- Progressive discounts include multi-policy, online quote discount, continuous coverage, online signing, multi-vehicle, homeowner, and good student.
- Allstate may include discounts for farm vehicle, early signing, utility vehicle, economy car, new car, and anti-theft.
- Nationwide offers discounts including defensive driving, good student, business or organization, multi-policy, anti-theft, and accident-free.
- MetLife policyholders can earn discounts including accident-free, multi-policy, defensive driver, claim-free, good student, good driver
The chart below compares car insurance rates with and without some available policy discounts. The rate quotes are based on a male driver, no violations and one accident, Texas state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, paperless filing, passive restraint, paid-in-full, anti-theft, and multiple vehicle discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for drivers with accidents is 28% or $1,099.
The diagram below illustrates how your choice of deductibles can affect insurance costs when getting quotes for cheap insurance for drivers with accidents. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could pocket $264 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $402 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates $884 annually just by choosing higher deductibles when buying full coverage. When using a larger deductible, it is a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
If you have coverage questions and would like to have professional advice when comparing insurance rates for drivers with accidents, the agents below are willing to aid you in deciding which auto insurance coverages would be the best in your situation. To find a Houston insurance agent closest to you, click the button at the bottom of the list or click here to get price quotes now.
Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886
Suzanne Brown Agency-Insurance
11999 Katy Fwy #635 – Houston, TX 77079 – (281) 558-2210
Texas Insurance Agency
719 Shotwell St – Houston, TX 77026 – (713) 675-2626
State Farm: Ken Quach
6489 Wilcrest Dr – Houston, TX 77072 – (281) 498-1010
Texas General Insurance Agency
2500 West Loop S #210 – Houston, TX 77027 – (713) 622-5977
More insurance agents in Houston, TX
How to find budget-friendly auto insurance for drivers with accidents
Here are many penny-pinching suggestions that can help Texas drivers get more affordable car insurance.
- Increase your policy deductibles
- Tickets and violations raise rates
- Drive vehicles with five-star safety ratings
- Prevent rate increases by staying accident-free
- Higher credit scores may earn you cheaper rates
- Check for cheaper rates once a year
That last piece of advice is certainly significant, as was discussed in the prior information. Coverage prices can change in a short period of time, so you should be ready to buy from a different company if you can find a cheaper rate. Brand loyalty is not necessarily bad, but is isn’t recommended if that devotion results in you overpaying thousands of dollars over several years. Take a few minutes and shop around to find cheaper auto insurance for drivers with accidents in Houston.