Who Has Cheap Auto Insurance for Postal Workers in Houston?

One of the more important things that determine car insurance rates is where your residence is. More populated areas are more likely to pay higher prices, whereas more rural areas have the gratification of cheaper auto insurance rates.

The table below shows the priciest cities in Texas for postal workers to purchase car insurance in. Houston is ranked #2 with a yearly cost of $1,909 on average, which is about $159 each month.

How much does car insurance cost in Houston, TX?
Rank City Annual Premium
1 McAllen $1,956
2 Houston $1,909
3 Brownsville $1,870
4 Garland $1,850
5 Dallas $1,837
6 Laredo $1,833
7 Mesquite $1,825
8 Pasadena $1,812
9 Amarillo $1,786
10 Grand Prairie $1,757
11 San Antonio $1,722
12 Beaumont $1,720
13 Irving $1,719
14 Austin $1,676
15 Lubbock $1,665
16 Arlington $1,642
17 El Paso $1,632
18 Fort Worth $1,621
19 Carrollton $1,615
20 Plano $1,576
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Table data uses estimated as the specific Houston residence address can impact insurance rates substantially.

The car, truck, or SUV requiring coverage is probably the largest consideration when quoting the lowest-priced coverage for postal workers. Vehicles with high performance engines, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The next list ranks insurance costs for some of the most affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,301
Toyota Tacoma 4WD $1,462
Ford Escape XLT 2WD $1,493
Chevrolet Impala LT $1,542
Toyota RAV4 4WD $1,548
Ford Edge Limited AWD $1,623
Chevrolet Malibu LTZ $1,651
Toyota Prius $1,656
Jeep Grand Cherokee SRT-8 4WD $1,651
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,658
Ford F-150 STX Regular Cab 4WD $1,677
Ford Focus SE 2-Dr Coupe $1,737
Hyundai Sonata SE 4-Dr Sedan $1,742
Toyota Camry Hybrid $1,765
Toyota Camry Hybrid $1,773
Dodge Grand Caravan Hero $1,768
Ford Explorer Limited AWD $1,801
Dodge Ram 2500 Mega Cab SLT 2WD $1,877
Chevrolet Silverado LS Regular Cab 2WD $1,887
Toyota Corolla XRS $1,895
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in Houston, TX location which can lower or raise premiums noticeably.

By looking at the data, you can conclude that cars like the Honda CR-V, Toyota Tacoma, Ford Escape, Chevrolet Impala, and Toyota RAV4 should be some of the most affordable vehicles to insure for postal employees.

Insuring your vehicle with the best insurance provider can be difficult considering how many choices drivers have in Texas. The company information listed below may help you choose which auto insurance companies to look at comparing rates from. These rankings include the largest companies in America, so smaller companies that only insure vehicles in Texas are not factored into this list.

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%

Top 10 Large Car Insurance Companies in Houston Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

The diagram below highlights how deductible selection can change premium costs when quoting cheap insurance for postal workers. The costs are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, can cut as much as $900 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Comparison of full coverage and liability-only policies

Saving money when shopping for insurance is important to the majority of people, and one easy way to buy cheaper insurance for postal workers is to buy only liability coverage. The illustration below shows the comparison of insurance premiums with and without full coverage. The premiums are based on no accidents or driving violations, $250 deductibles, single status, and no discounts are factored in.

If we average all the age groups together, full coverage costs $2,671 per year more than just buying liability insurance. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no clear-cut rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.