The make and model of vehicle you are trying to insure is one of the main factors that determines the availability of the most economical coverage for government employees. Vehicles with economical engines, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The next table features coverage costs for a handful of the most cost-effective automobiles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,273|
|Ford F-150 XL Regular Cab 4WD||$1,396|
|Honda CR-V EX 4WD||$1,405|
|Hyundai Elantra GLS Touring Station Wagon||$1,409|
|Toyota RAV4 Limited 4WD||$1,474|
|Honda Civic VP 4-Dr Sedan||$1,527|
|Toyota Corolla S||$1,555|
|Honda Odyssey Touring||$1,583|
|Chevrolet Silverado LS Crew Cab 4WD||$1,590|
|Ford Explorer XLT AWD||$1,583|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,590|
|Ford Fusion SEL 4-Dr Sedan||$1,583|
|Toyota Camry LE||$1,613|
|Chevrolet Malibu LT||$1,645|
|Jeep Grand Cherokee Laredo 2WD||$1,658|
|Nissan Altima 2.5 4-Dr Sedan||$1,666|
|Ford Focus SEL 4-Dr Sedan||$1,671|
|Honda Accord EX-L 2-Dr Coupe||$1,686|
|Toyota Camry Hybrid||$1,694|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,696|
|Dodge Grand Caravan Crew||$1,701|
|Dodge Ram Quad Cab Sport 2WD||$1,716|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rates do not factor in specific location information which can lower or raise insurance rates significantly.
Based on these rates, you can figure that makes and models like the Ford Escape, Ford F-150, Honda CR-V, and Hyundai Elantra will definitely be the cheapest vehicles to insure for state and federal workers.
One of the more important considerations that aid in calculating the annual cost of car insurance is where you call home. Regions with more people or even just more weather-related claims tend to have higher rates, whereas less populated areas get the luxury of paying less.
The following table rates the highest-priced places in Texas for government employees to purchase car insurance in. Houston is ranked at #5 with a yearly cost of $1,853 for the average insurance policy, which is around $154 per month.
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Rate information is estimated as specific Houston garaging address can raise or lower coverage prices substantially.
Comparing quotes for budget car insurance is confusing at best, and determining which company has the cheapest auto insurance rates for government employees requires even more work. Every auto insurer has their own process for determining rates, so let’s rank the most budget-friendly auto insurance companies in Texas.
Find Cheaper Auto Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers quotes some of the most affordable car insurance rates in Houston at around $1,041 annually. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Houston, TX car insurance companies.
As the example above demonstrates, if you currently have a policy with Germania Mutual and switched to Travelers, you might see an annual savings of upwards of $241. Drivers with Esurance may save as much as $338 a year, and California Casualty customers might cut rates by $383 a year.
Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific location for government employees. So the car insurance company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to get auto insurance quotes using your own individual information.
The information below shows how different deductible levels can increase or decrease insurance prices when quoting cheap insurance for government employees. The costs are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could cut expenses by $264 a year by increasing from a $100 deductible to a $500 deductible, or save $402 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could save as much as $884 every year just by choosing higher deductibles.
If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Ratings for Houston auto insurance companies
Picking the top insurance company is hard considering how many companies provide coverage in Texas. The company rank data listed below could help you choose which auto insurers to look at when shopping car insurance rates for government employees.
These rankings are for large nationwide companies, so smaller regional companies are not included in the list. To get rate quotes from these top-rated insurers and more, simply click here.
Top 10 Major Auto Insurance Companies in Houston Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in Houston Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Why you should be shopping around
Texas auto insurance rates are determined by lots of factors that control the cost of having a policy. Simply improving your credit, increasing deductibles, or getting a driving violation can trigger changes in premium that can make some companies affordable when they were higher priced.
Not only may your situation change, but companies change their prices as often as every quarter in order to remain profitable. Significantly higher claims can cause rate increases, while profitable underwriting may cause lower-cost Houston car insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Houston, TX for a 45-year-old male driver with no accidents or violations, and great credit. If we estimate prices based on his personal risk profile, Travelers may offer the lowest car insurance rates in Houston at $1,271 per year. This is $633 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the top five cheapest Houston, TX auto insurance companies.
Now let’s give the driver from the first example an accident claim, a little lower credit rating, and a few blemishes on his driving record. Since each auto insurance company uses their own calculation to determining premium rates, analyzing rate quotes will most likely result in a completely different list of companies as shown below.
State Farm now has the best insurance rate in Houston, TX with Mercury, Safe Auto, USAA, and Nationwide now rounding out the top five. This illustrates why it is so important to take the time to shop around when trying to find the most budget-friendly car insurance quotes for government employees. Prices can be altered by many things and can decrease or increase without notice, so the most affordable company six months ago may now be quite expensive.
How to find low-cost car insurance for government employees
Lowering your rates is not difficult, and here are some money-saving ideas that can help Texas drivers buy lower-cost car insurance.
- Having at-fault accidents will increase rates
- Safe vehicles cost less to insure
- Raise deductibles
- Do not pay for full coverage on older vehicles
- Be a safe driver
- Maintaining good credit helps earn cheaper rates
- Compare price quotes at least once a year
The last suggestion is highly critical, as we noted in the prior article. Car insurance rates can change in a short period of time, so don’t hesitate to buy a policy from a new company if you can find a cheaper rate. Having brand loyalty is commendable, but is isn’t recommended if that devotion results in you overpaying hundreds every year. Take a few minutes and compare rates and find cheaper insurance for government employees in Houston.
If you wish to have some advice when shopping around for cheaper insurance for state and federal workers, the insurance agencies listed below can help you decide which car insurance policy is best. To locate an agency using an interactive map, click the button at the bottom of the list.
Pasadena Insurance Agency, Inc.
99 Detering St #280 – Houston, TX 77007 – (713) 869-6991
Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330
R.Y.A. Insurance Agency, Inc.
12155 Jones Rd #300 – Houston, TX 77070 – (281) 469-6286
Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282
Kingspoint Insurance Agency, Inc.
11200 Westheimer Rd #850 – Houston, TX 77042 – (713) 850-1660