The vehicle you are insuring is one of the primary factors that determines the availability of low-cost insurance for seniors. Vehicles with high performance engines, a lack of advanced safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.
The next table ranks insurance costs for a selection of the most budget-friendly vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,039 |
| Honda Accord EX 4-Dr Sedan | $1,045 |
| Ford Escape Limited 4WD | $1,127 |
| Toyota Prius | $1,152 |
| Ford F-150 STX Super Cab 4WD | $1,190 |
| Chevrolet Impala LS | $1,208 |
| Chevrolet Malibu LS | $1,230 |
| GMC Sierra SL Extended Cab 2WD | $1,238 |
| Toyota RAV4 Limited 4WD | $1,230 |
| Chevrolet Equinox LT AWD | $1,238 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,245 |
| Dodge Grand Caravan SXT | $1,255 |
| Ford Explorer Eddie Bauer 4WD | $1,262 |
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Premium data assumes married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle garaging location which can change premium rates greatly.
Based upon these rates, you can infer that cars like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Ford F-150 are most likely going to be the most economical vehicles to insure for senior citizens.
Finding out which companies have the lowest-priced car insurance rates for seniors takes a bit more work in order to find the most economical policy. Every insurance company uses a slightly different approach to determine premium rates, so let’s rank the lowest cost car insurance companies in Texas.
It’s a good idea to be aware that Houston, TX car insurance rates are based on many factors which can substantially change your annual premium. Simply getting older, buying a different home, or getting a couple of tickets can cause premium changes that can make some companies more affordable than the competition.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
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Travelers generally has some of the best car insurance rates in Houston at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the more affordable Houston, TX car insurance companies.
As illustrated above, if you currently have coverage with Germania Mutual and switched to USAA, you might achieve annual savings of in the vicinity of $160. Texas drivers with Esurance might save as much as $281 a year, and California Casualty insureds might cut rates by $340 a year.
If you want to find out if you’re overpaying, click here to get a free quote or visit any of the low-priced companies below.
These estimates are averages across all drivers and vehicles and are not factoring in a specific vehicle garaging location for seniors. So the insurer that can offer you the best price may not even be in the top 23 companies shown above. That is why you need to get car insurance quotes using your own driver data and vehicle information.
For senior citizens, one of the more important factors that are used to help calculate insurance cost is where your residence is in Houston. Cities with larger populations or higher claim trends will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The information below shows the most costly cities in Texas for seniors to purchase auto insurance in. Houston comes in at #6 having an annual price of $1,835 for car insurance, which is approximately $153 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Brownsville | $1,927 |
| 3 | Laredo | $1,889 |
| 4 | Amarillo | $1,858 |
| 5 | Dallas | $1,837 |
| 6 | Houston | $1,835 |
| 7 | Pasadena | $1,812 |
| 8 | Grand Prairie | $1,811 |
| 9 | Garland | $1,796 |
| 10 | Irving | $1,789 |
| 11 | Beaumont | $1,754 |
| 12 | Mesquite | $1,753 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,716 |
| 15 | Arlington | $1,709 |
| 16 | Fort Worth | $1,653 |
| 17 | Corpus Christi | $1,636 |
| 18 | Austin | $1,627 |
| 19 | McKinney | $1,625 |
| 20 | Carrollton | $1,598 |
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Rate quotes are estimated as specific Houston zip code can revise coverage prices considerably.
The information below illustrates how your deductible choice can raise or lower premium costs when quoting cheap insurance for seniors. The premiums assume a married female driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could pocket $310 a year by increasing from a $100 deductible up to a $500 deductible, or save $468 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could potentially save $772 each year by choosing larger deductibles on their policy. If you do raise deductibles, it is essential to have emergency funds available to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Picking a high-quality auto insurance provider can be difficult considering how many companies there are to choose from in Houston. The company rank data listed below could help you select which companies you want to consider comparing prices from. These ratings only include large insurance companies, so companies with more of a regional focus are not taken into consideration for this list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on insurance rates
In a perfect world, the ideal way to snag low car insurance rates in Texas for senior citizens is to be an attentive driver and not receive tickets or have accidents. The example below shows how traffic citations and at-fault fender-benders can drive up insurance costs for each different age group. The rate quotes are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,078. Receive one speeding ticket and the average cost rises to $2,381, an increase of $303 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for seniors jumps again to an average of $3,249. That’s an increase of $1,171, or $98 per month, just for not being a responsible driver!
The insurance agencies below can help you make a decision which coverage meets your needs best, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when comparing insurance rates for senior citizens. It can be difficult to find the cheapest rate yourself, and insurance agents can provide you satisfaction knowing your policy gives you sufficient coverage at claim time. To find a Houston insurance agency using an interactive map, click the button below the list or click here to compare prices now.
- Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 - Jim Webb – State Farm Insurance Agent
8475 Hwy 6 N Ste B – Houston, TX 77095 – (281) 550-2886 - Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 - Texas Prime Insurance Agency, LLC
6750 West Loop S #430 – Bellaire, TX 77401 – (713) 750-9000