For drivers on welfare, one of the largest considerations that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Houston. More populated areas tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The table below lists the most expensive cities in Texas for welfare recipients to purchase a policy in. Houston is listed at #4 with a yearly premium of $1,835 for coverage, which is around $153 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,908 |
| 3 | Dallas | $1,893 |
| 4 | Houston | $1,835 |
| 5 | Laredo | $1,833 |
| 6 | Mesquite | $1,807 |
| 7 | Amarillo | $1,804 |
| 8 | Garland | $1,796 |
| 9 | Grand Prairie | $1,793 |
| 10 | Irving | $1,772 |
| 11 | Pasadena | $1,740 |
| 12 | San Antonio | $1,722 |
| 13 | Arlington | $1,709 |
| 14 | Beaumont | $1,702 |
| 15 | Lubbock | $1,665 |
| 16 | Carrollton | $1,664 |
| 17 | El Paso | $1,632 |
| 18 | Austin | $1,627 |
| 19 | Corpus Christi | $1,620 |
| 20 | Plano | $1,608 |
| Find Cheaper Rates Go | ||
Price information shown is approximated as specific Houston zip code can raise or lower prices substantially.
The vehicle needing coverage is one of the primary factors that determines whether or not you find the most economical insurance for welfare recipients. Vehicles with high performance engines, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models. The data below ranks coverage premiums for some of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,228 |
| Ford Escape Limited 2WD | $1,255 |
| Toyota Prius | $1,359 |
| Toyota Tacoma 4WD | $1,379 |
| Honda Odyssey EX W/Rear Entertainment | $1,427 |
| Toyota RAV4 Limited 2WD | $1,454 |
| Ford F-150 Lariat Super Cab 2WD | $1,482 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,530 |
| Kia Optima LX | $1,557 |
| Nissan Rogue S 2WD | $1,567 |
| Dodge Ram Quad Cab ST 4WD | $1,585 |
| Honda Accord EX 2-Dr Coupe | $1,633 |
| Ford Edge SEL 2WD | $1,635 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in Houston, TX location which can lower or raise coverage prices considerably.
Based on these rates, we can assume that vehicles like the Honda CR-V, Ford Escape, Toyota Prius, and Toyota Tacoma are most likely to be some of the most economical vehicles to insure for drivers on welfare.
Figuring out which insurers offer the most affordable car insurance rates for welfare recipients requires a bit more work in order to find the lowest price.
Each insurance company has their own guidelines to set premium rates, so let’s rank the overall cheapest car insurance companies in Houston, TX. It’s important to know that Houston car insurance rates are influenced by many factors that control the policy premium. Getting older, buying a different home, or having an at-fault accident can produce rate changes that can now make some companies more affordable than others.
Find the Cheapest Auto Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,565 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
| Find Cheaper Rates Go | ||
Travelers generally has some of the cheapest car insurance rates in Houston at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Houston, TX auto insurance companies.
In the above rates, if you currently have a policy with Esurance and switched to USAA, you may realize savings of around $304. Customers with California Casualty might save as much as $307 a year, and State Farm insureds might reduce prices by as much as $333 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.
Be aware that those estimates are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for welfare recipients. So the car insurance company that can offer you the best price may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.
The example below shows how different deductible levels can affect yearly insurance costs when getting quotes for cheap insurance for welfare recipients. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could cut expenses by $352 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $528 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could potentially save $870 annually just by choosing higher deductibles.
When choosing a higher deductible, it will now be necessary to have enough savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Insuring your vehicle with the right car insurance company can be a challenge considering how many companies are available to choose from in Houston. The information listed below could help you decide which car insurance providers you want to consider when trying find the best insurance for welfare recipients. The rankings below include companies that insure vehicles across America, so smaller companies will not be included in the list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discounts on Houston insurance
Insurance providers that sell policies for welfare recipients may also provide policy discounts that may potentially lower prices by 30% or more if you meet certain criteria. The best car insurance companies and their possible discounts are included below.
- Farm Bureau has discounts for multi-vehicle, safe driver, 55 and retired, youthful driver, and multi-policy.
- State Farm may include discounts for good driver, multiple policy, student away at school, multiple autos, defensive driving training, and accident-free.
- Progressive discounts include multi-policy, online quote discount, homeowner, good student, online signing, continuous coverage, and multi-vehicle.
- Allstate policyholders can earn discounts including FullPay discount, good payer, teenSMART discount, resident student, economy car, passive restraint, and anti-theft.
- Nationwide includes discounts for good student, defensive driving, family plan, multi-policy, and accident-free.
- MetLife offers premium reductions for good driver, good student, defensive driver, accident-free, and multi-policy.
The information below shows the comparison of insurance prices with and without discounts applied to the premium. The prices are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, vehicle safety, claim-free, passive restraint, multiple policy, and defensive driving course discounts applied. When discounts are applied, the average savings per year on car insurance for welfare recipients is 28% or $645.
Houston car insurance rates
Texas car insurance rates are based on many factors that may substantially change the cost of having a policy. Simply improving your credit, buying a new vehicle, or having a fender bender can trigger price changes resulting in some rates now being cheaper than others.
In addition to those changes, auto insurance companies change their prices every year or even multiple times each year in order to offset underwriting gains or losses. Significantly higher losses can cause a rate increase, while less frequent claims may result in cheaper Houston car insurance rates.
To illustrate this point, the data below shows rates for the cheapest car insurance in Houston, TX for a 30-year-old male driver with no violations or accidents, and a good credit history. When quoting prices based on his current rating profile, Travelers might quote the lowest car insurance rates in Houston at $1,271 a year. This is $633 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the best Houston, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a chargeable accident, a lower credit rating, and a speeding citation. Since each auto insurer has a different formula for establishing rates, comparing quotes may now present a different list of the cheapest companies as shown below.
State Farm now has the cheapest insurance rate in Houston, TX with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This demonstrates why it is so important to perform a complete rate comparison when trying to find the cheapest car insurance quotes for welfare recipients.
Prices are made up of many things and change frequently, so the best option the last time you checked may now be quite expensive.