What Car Insurance is Cheapest for State Employees in Houston?

This would be a much shorter article if we could tell you the company that has the best deal on coverage in Texas. Unfortunately, it’s just not that easy, as there are many unknown elements like where you live, whether or not your vehicle has good safety ratings, and when you were born, that help determine the price you have to pay. Car insurance is kind of a dry topic, but this article will explain the best ways to save money and will hopefully give you a good start in finding the cheapest car insurance in Texas.

The vehicle requiring insurance is a large factor that determines whether or not you find low-priced auto insurance for state employees. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost more to insure than safer models. The next list showcases coverage costs for a selection of the most budget-friendly automobiles to insure in Texas.

Cheapest Vehicles to Insure in Houston, TX
Make and Model Estimated Cost for Full Coverage
Ford Edge Limited 2WD $1,484
Toyota Tacoma 2WD $1,491
Honda CR-V EX-L 4WD $1,497
Chevrolet Impala LT $1,512
Toyota RAV4 Sport 2WD $1,520
Chevrolet Malibu LT $1,541
Ford Explorer Eddie Bauer 4WD $1,546
Honda Accord EX 4-Dr Sedan $1,571
Ford Escape Limited 2WD $1,610
GMC Sierra SLT Crew Cab 2WD $1,620
Dodge Ram Crew Cab SLT 2WD $1,651
Ford F-350 XL Super Cab Turbo Diesel 2WD $1,679
Ford Focus SES 2-Dr Coupe $1,702
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,723
Toyota Camry Hybrid $1,731
Dodge Grand Caravan Hero $1,736
Toyota Camry LE $1,744
Ford Fusion S 4-Dr Sedan $1,736
Toyota Prius $1,743
Ford F-250 XLT Super Cab Turbo Diesel 2WD $1,841
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can influence coverage rates noticeably.

Looking at the numbers, we can presume that models like the Ford Edge, Toyota Tacoma, Honda CR-V, Chevrolet Impala, and Toyota RAV4 are a few of the more affordable vehicles to insure for state workers.

Finding decent, cheap insurance is difficult, and determining which company quotes the most affordable car insurance rates for state employees will require a bit more work. Every auto insurer has a unique approach to determine rates, so we need to take a look at the most affordable car insurance companies in Texas.

It’s important to know that Houston, TX car insurance rates are calculated based on many things that can increase the cost of having a policy. This price variation is why Texas drivers need to do a thorough rate comparison when trying to find the best auto insurance rates for state employees. Prices can be altered by many risk factors and can change without notice, so the best company two years ago may now be quite expensive.

Cheapest Insurance Rates in Texas

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,128
3 Germania Mutual $1,244
4 Texas Farm Bureau $1,247
5 Esurance $1,365
6 California Casualty $1,438
7 Mercury $1,476
8 State Farm $1,510
9 Nationwide $1,553
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,705
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,227
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,396
20 Titan $2,646
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Travelers normally has some of the cheapest car insurance rates in Houston at around $1,021 annually. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also make the cut as some of the more affordable Houston, TX car insurance companies.

In the rate table above, if you are a policyholder with Germania Mutual and switched to Travelers, you could see annual savings of in the vicinity of $223. Drivers with Texas Farm Bureau might save as much as $226 a year, and Esurance insureds might lower prices by up to $344 a year.

To discover how much you can save, click here to start your custom quote or click several companies below for low rates.

It’s important to note that these premiums are averaged across all drivers and vehicles in Texas and do not factor in a specific zip code for state employees. So the insurer that fits you best may not even be in the top 23 companies shown above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.

Which car insurance company is best in Texas?

Insuring your vehicle with the highest-rated auto insurance company is hard considering how many different companies there are to choose from in Texas. The company rank data displayed below may help you decide which insurers you want to consider when shopping around.

The rankings below include the largest auto insurers in America, so smaller companies are not included in this list. To view rates from these and other companies in Texas, click here.

Best Car Insurance Companies for State Employees in Texas
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

Cost difference between full coverage and liability

Saving money on car insurance should be important to most drivers, and one of the quickest ways to save on the cost of insurance for state employees is to only buy liability coverage. The chart below visualizes the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The prices are based on no accidents, no driving violations, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $1,598 per year over liability only. Many drivers will wonder if buying full coverage is worth the money. There is no definitive guideline to stop paying for full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.

Illustration showing the impact of accidents and violations

The easiest way to enjoy good car insurance prices in Texas for state workers is to be an attentive driver and avoid accidents and keep your driving record clean. The illustration below highlights how traffic violations and accident claims can raise yearly insurance costs for different age categories. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of car insurance in Houston per year with a clean driving record and no accidents is $1,513. Add in one speeding ticket and the average cost swells to $1,762, an increase of $249 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of car insurance for state employees jumps again to an average of $2,458. That’s an increase of $946, or $79 per month, just for not being more responsible behind the wheel!

If you aren’t clear which coverage you need and would like to have a little guidance when trying to find lower insurance rates for state workers, the agents below can provide answers to your questions and help you determine which policy is best.

To find an auto insurance agency close to where you live, click the button following the list.

State Farm: Ken Quach
6489 Wilcrest DrHouston, TX 77072(281) 498-1010

1235 N Loop W Fwy #1100Houston, TX 77008(979) 238-8283

Ricky Maique – State Farm Insurance Agent
8811 Westheimer Rd #205Houston, TX 77063(713) 781-6132

More Houston, TX insurance agents