Who Has the Cheapest Car Insurance for Nurses in Houston?

Deciding which companies quote the best auto insurance rates for nurses may require more time than just getting one or two price quotes. Each insurance company has a different formula for setting rates, so let’s examine the auto insurance companies with the overall best prices in Houston, TX.

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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 $1,095
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,407
6 California Casualty $1,424
7 State Farm $1,465
8 Mercury $1,521
9 Safe Auto $1,549
10 Nationwide $1,600
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,183
17 Encompass $2,232
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,568
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Travelers has some of the cheapest car insurance rates in Houston at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Houston, TX insurance companies.

In the rate table above, if you have coverage with Germania Mutual and switched to Travelers, you might see yearly savings of around $273. Insureds with Esurance could save as much as $386 a year, and California Casualty policyholders might see rate reductions of $403 a year.

Remember that these premiums are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for nurses. So the auto insurance company that fits your situation best may not even be in the top 23 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

The vehicle that needs insurance is a significant factor that determines the availability of economical insurance for nurses. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost less to insure than higher performance models.

The list below illustrates auto insurance costs for a number of the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford F-150 FX2 Super Cab 2WD $1,365
Honda CR-V EX 4WD $1,415
Honda Odyssey EX W/Rear Entertainment $1,418
Jeep Grand Cherokee Laredo 4WD $1,445
Chevrolet Malibu LT $1,472
Toyota Prius $1,487
Ford Escape Limited 4WD $1,492
Hyundai Elantra Blue 4-Dr Sedan $1,495
Toyota Tacoma X-Runner 2WD $1,522
Dodge Grand Caravan CV $1,555
GMC Sierra 3500HD SLE Regular Cab 2WD $1,577
Volkswagen Jetta S 4-Dr Sedan $1,582
Toyota RAV4 4WD $1,590
Ford Focus SE 4-Dr Sedan $1,597
Ford Edge SEL AWD $1,603
Toyota Camry LE $1,632
Chevrolet Silverado LT Extended Cab 4WD $1,641
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Prices 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 claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can impact premiums significantly.

Looking at the rates, we can tell that vehicles like the Ford F-150, Honda CR-V, and Honda Odyssey should be the most affordable vehicles to insure for health professionals.

One of the many components that are used to help calculate the amount you pay each year for auto insurance is where you keep your vehicle in Houston. Areas with more people or more claims tend to have higher auto insurance costs, whereas more rural areas receive better rates.

The next table sorts the most expensive places in Texas for nurses to buy auto insurance in. Houston comes in at #3 having an annual price of $1,909 for the average insurance policy, which is around $159 each month.

How much does auto insurance cost in Houston?
Rank City Premium Per Year
1 McAllen $1,956
2 Brownsville $1,927
3 Houston $1,909
4 Laredo $1,907
5 Amarillo $1,840
6 Dallas $1,837
7 Garland $1,832
8 Pasadena $1,812
9 Grand Prairie $1,811
10 Mesquite $1,807
11 San Antonio $1,739
12 Irving $1,736
13 Beaumont $1,702
14 Arlington $1,692
15 Lubbock $1,682
16 Corpus Christi $1,620
17 El Paso $1,616
18 Austin $1,610
19 Fort Worth $1,604
20 Carrollton $1,598
21 Waco $1,584
22 McKinney $1,577
23 Plano $1,560
24 Abilene $1,545
25 Killeen $1,488
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Annual rates are estimated as specific location information can influence coverage prices substantially.

Responsible drivers pay cheaper auto insurance rates

In a perfect world, the best way to maintain the most affordable auto insurance premiums for health professionals is to drive cautiously and avoid at-fault accidents and violations. The illustration below shows how violations and at-fault claims can influence car insurance rates for each age group. The data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the example above, the average cost of auto insurance in Texas per year with a clean driving record and no accidents is $2,181. Receive one speeding ticket and the average cost rises to $2,456, an increase of $275 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for nurses jumps again to an average of $3,232. That’s an increase of $1,051, or $88 per month, just for not driving safely!

Should you buy full coverage?

Paying less for auto insurance should be important to the majority of people, and an easy way to find cheap insurance for nurses is to not insure for full coverage. The diagram below shows the comparison of premium costs with liability coverage only compared to full coverage. Data assumes no claims or violations, $250 deductibles, single marital status, and no discounts are applied to the premium.

Averaged out for all age groups, physical damage coverage costs an additional $2,671 per year over and above liability coverage. That amount may make you wonder if you should buy full coverage at all. There is no clear-cut rule of when to eliminate comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after paying your policy deductible. If premium cost is more than $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

Why you should compare rates

Houston auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay. Simply having another birthday, moving to a new city, or getting a DUI can trigger price changes that can make some companies affordable when they were higher priced.

Not only may your situation change, but insurers change their prices as often as every quarter in order to protect their financial rating. A period of higher than normal claims can cause rate hikes, while a profitable period can produce lower-cost Houston car insurance rates.

For example, the bar chart below demonstrates which company has the cheapest car insurance in Houston, TX for a 35-year-old male driver with a clean driving record, no accidents, and good credit. When quoting prices based on his personal profile, Travelers offers the best car insurance rates in Houston at $1,272 per year. This is $632 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 best Houston, TX auto insurance companies.

Now let’s give the driver from the first rate comparison a chargeable accident, slightly worse credit, and a few traffic violations. Since every car insurance company has their own process for setting prices, analyzing rates may result in a new list of companies as shown below.

Mercury now has the lowest price in Houston, TX with State Farm, Safe Auto, USAA, and Nationwide also having competitive pricing. This demonstrates why it is crucial to take the time to shop around to find the best auto insurance rates for nurses.

Prices are determined by many risk factors and change substantially, so the best option when you bought your policy may now be quite expensive.

How to find low-cost car insurance for nurses

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help Texas drivers buy cheaper coverage.

That final tip is remarkably crucial, as was discussed in the prior information. Insurance rates in Houston adjust often, so don’t hesitate to buy a different policy if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not a good idea if that stubbornness costs you hundreds of dollars year after year. If you have a few minutes, compare prices and find cheaper car insurance for nurses.