How Much is Car Insurance for Teachers in Houston?

The type of vehicle that needs insurance is a large factor that determines if you can find the best cheap coverage for teachers. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost more to insure than more modest models. The data below ranks coverage costs for the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Insured Estimated Cost for Full Coverage
Toyota Prius $1,372
Toyota Tacoma 4WD $1,387
Ford Escape XLT 4WD $1,390
Honda Accord EX 4-Dr Sedan $1,397
Honda CR-V EX-L 4WD $1,435
Hyundai Elantra Blue 4-Dr Sedan $1,518
Honda Odyssey EX W/Rear Entertainment $1,573
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,578
Jeep Grand Cherokee SRT-8 4WD $1,573
Ford Explorer XLT 2WD $1,575
Ford F-150 Lariat Crew Cab Harley 4WD $1,600
GMC Sierra 3500HD SLT Extended Cab 2WD $1,608
Dodge Grand Caravan Hero $1,605
Toyota RAV4 Limited 4WD $1,614
Ford Edge SEL 2WD $1,616
Chevrolet Impala LT $1,653
Chevrolet Equinox LT 2WD $1,663
Chevrolet Silverado LS Regular Cab 2WD $1,658
Kia Optima EX $1,678
Ford Focus SES 4-Dr Sedan $1,691
Toyota Camry SE $1,696
Nissan Rogue S AWD $1,718
Volkswagen Jetta 2.0T 4-Dr Sedan $1,728
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium amounts do not factor in zip code location which can affect rates noticeably.

Looking at the numbers, we can tell that vehicles like the Toyota Prius, Toyota Tacoma, Ford Escape, and Honda Accord will definitely be the most affordable vehicles to insure for teachers and educators.

Finding reliable, cheap car insurance is hard enough, and finding out which insurers offer the cheapest car insurance rates for teachers calls for even more perseverance. Every insurance provider has their own process to determine rates, so first we will examine the most competitive car insurance companies in Houston, TX.

Keep in mind that Houston car insurance rates are impacted by many factors that will increase or decrease the price of coverage. This price variability is why it is so important to spend some time comparing rates when trying to get cheap car insurance quotes for teachers. Insurance rates can be altered by many risk factors and can decrease or increase without notice, so the most economical option when you last compared rates may now be one of the higher cost companies.

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 Esurance $1,407
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,585
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,723
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,161
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,494
20 Titan $2,594
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Travelers quotes some of the best car insurance rates in Houston at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Houston, TX insurance companies.

As depicted above, if you are a customer of Germania Mutual and switched to USAA, you might realize yearly savings of in the neighborhood of $139. Insureds with Esurance may save as much as $290 a year, and California Casualty insureds might see rate reductions of $321 a year.

It’s important to note that these premiums are averaged for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for teachers. So the auto insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver and vehicle profiles.

For teachers and educators, one of the more important criteria that are looked at to help calculate auto insurance rates is where you keep your vehicle. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The table below sorts the highest-priced places in Texas for teachers in which to buy car insurance. Houston shows up at #3 having an annual price of $1,891 on average, which is about $158 per month.

How much does auto insurance cost in Houston?
Rank City Annual Rate
1 McAllen $2,016
2 Brownsville $1,908
3 Houston $1,891
4 Laredo $1,851
5 Dallas $1,837
6 Grand Prairie $1,811
7 Garland $1,796
8 Amarillo $1,786
9 Irving $1,772
10 Beaumont $1,754
11 Mesquite $1,753
12 Pasadena $1,740
13 San Antonio $1,688
14 Lubbock $1,682
15 Austin $1,659
16 Arlington $1,658
17 Fort Worth $1,653
18 El Paso $1,632
19 Carrollton $1,615
20 Plano $1,608
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Table data uses estimated as specific Houston garaging address can revise auto insurance rates greatly.

Get discount Houston car insurance

Car insurance for teachers and educators in Houston, TXAuto insurance companies that offer quotes for teachers may have special discounts that could lower prices by as much as 30% if you meet certain criteria. Larger car insurance companies and a partial list of their discounts are:

The illustration below compares car insurance rates with and without discounts applied. Data assumes a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple vehicle, multiple policy, claim-free, homeowner, and safe-driver discounts applied. When discounts are factored in, theamount saved on car insurance for teachers is 28% or $570.

Liability rates compared to full coverage

Finding cheaper car insurance is important to most people, and one easy way to lower the cost of insurance for teachers is to not insure for full coverage. The diagram below illustrates the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The data assumes a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are taken into consideration.

If averaged for all ages, physical damage insurance costs an additional $1,793 per year over and above liability only. That is a big expense that brings up the question if you should buy full coverage. There isn’t a written rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s replacement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,500 after paying your policy deductible. If you are paying over $750 a year for your policy with full coverage, then you might consider buying liability only.

Picking the highest-rated car insurance provider is difficult considering how many companies there are in Texas. The company ratings listed below could help you choose which car insurance companies you want to consider when comparing auto insurance rates for teachers. These ratings are for the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not included in this list.

Top 10 Large Car Insurance Companies in Houston Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Top 10 Large Car Insurance Companies in Houston Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Are you paying too much for car insurance in Houston?

Texas car insurance rates are calculated based on many things that can increase the policy premium. Improving your credit rating, buying a home instead of renting, or getting a couple of tickets can trigger changes in premium that can make some companies more affordable than the competition. In addition to those changes, auto insurance companies modify pricing without warning to help ensure profitability. Heavier than normal losses may cause more expensive premiums, while long-term profits may cause more affordable Houston car insurance rates.

The chart below shows which company has the cheapest car insurance in Houston, TX for a 35-year-old female driver with no accidents, a clean driving record, and great credit. If we compare prices based on her personal profile, Travelers offers the best car insurance rates in Houston at $1,306 a year. This is $598 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the most affordable Houston, TX auto insurance companies.

Now let’s give the driver in the first chart a chargeable accident, poor credit, and a blemish on her driving record. Since each company has a unique formula to set premium rates, comparing insurance quotes may result in a significantly different list of the cheapest car insurance companies in Houston as shown below.

Mercury now has the cheapest car insurance in Houston, TX with State Farm, USAA, Safe Auto, and Nationwide completing the list. This example demonstrates why consumers need to take the time to shop around with many companies to find the most budget-friendly car insurance rates for teachers.

Prices are influenced by many things and can increase or decrease at any time, so the best company the last time you compared rates may now be one of the higher cost companies.

The agents shown below are willing to aid you in deciding which coverages are best, as some people have coverage questions and would like to get help from a professional when buying car insurance for teachers and educators. It can be hard to find the best policy on your own, so insurance agents licensed in the state of Texas can add peace of mind knowing your coverage gives you adequate coverage if you have an accident or claim.

To locate an agency nearest to you, click the button below the list.

El Dorado Insurance Agency, Inc
3673 Westcenter DrHouston, TX 77042(800) 221-3386

Kingspoint Insurance Agency, Inc.
11200 Westheimer Rd #850Houston, TX 77042(713) 850-1660

R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300Houston, TX 77070(281) 469-6286

Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107Houston, TX 77062(281) 486-9100

Texas Insurance
210 W Greens Rd # BHouston, TX 77067(281) 872-6100

More insurance agents in Houston, TX