Finding dependable, reasonably-priced auto insurance is easier said than done, and deciding which company offers the cheapest insurance rates for state employees in Texas will take even more work. Every car insurance company has a unique approach for determining rates in each state, so we'll take a look at the insurance companies that tend to be cheaper in Texas.

It's important that you understand Texas insurance rates are influenced by many factors that control the price you pay for coverage. This price variability is why it is so important to perform an extensive rate comparison to find the best car insurance rates for state employees. Insurance prices are influenced by many risk factors and change substantially, so the most economical company the last time you checked may now be quite expensive.

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Travelers may offer some of the cheapest car insurance rates in Texas at around $1,021 a year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best Texas auto insurance companies.

In this example, if you are a policyholder with Germania Mutual and switched to Travelers, you might achieve a yearly price reduction of upwards of $223. Drivers with Esurance might save as much as $344 a year, and California Casualty policyholders might see rate reductions of $375 a year.

Understand that those premium estimates are averages across all drivers and vehicles in Texas and do not take into consideration a price decrease for state employees. So the insurer that is best for you may not even be in the list above. That points out the importance of why you need to get quotes using your own individual information.

For state workers, one of the largest criteria that are looked at to help calculate the amount you pay each year for auto insurance is your zip code in Texas. Regions with larger populations or more claims like McAllen, Houston, and Amarillo will most likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The table below lists the priciest cities in Texas for state employees to buy car insurance in.

How much does auto insurance cost in Texas?
Rank City Premium Per Year
1 McAllen $1,996
2 Brownsville $1,927
3 Houston $1,909
4 Dallas $1,855
5 Amarillo $1,840
6 Laredo $1,833
7 Pasadena $1,812
8 Irving $1,789
9 Garland $1,778
10 Beaumont $1,772
11 Mesquite $1,771
12 Grand Prairie $1,740
13 San Antonio $1,722
14 Lubbock $1,665
15 Austin $1,659
16 Arlington $1,642
17 Corpus Christi $1,636
18 Fort Worth $1,604
19 Carrollton $1,598
20 Waco $1,584
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Premium amounts are estimated as zip code location can influence price quotes greatly.

The vehicle model requiring coverage is probably the biggest factor that determines whether or not you find the cheapest car insurance for state employees. Vehicles with lots of horsepower, poor passenger safety features, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models.

The table below ranks car insurance premiums for a selection of the cheapest automobiles to insure.

Cheapest Vehicles to Insure for State Employees in Texas
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,024
Honda Accord LX-P 4-Dr Sedan $1,034
Honda CR-V EX-L 4WD $1,147
Chevrolet Silverado LS Extended Cab 4WD $1,211
Hyundai Elantra SE Touring Station Wagon $1,220
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,224
Toyota Tacoma Double Cab 4WD $1,233
Ford F-150 FX4 4WD $1,243
Toyota Prius $1,281
GMC Sierra SLE Extended Cab 4WD $1,297
Dodge Grand Caravan SE $1,304
Honda Civic DX 4-Dr Sedan $1,336
Ford Focus S 4-Dr Sedan $1,345
Ford F-350 Super Cab Lariat 2WD $1,343
Chevrolet Malibu Hybrid $1,368
Chevrolet Equinox LT AWD $1,375
Nissan Altima 2.5 4-Dr Sedan $1,368
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Prices above 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 homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates substantially.

Based upon the rates shown, we can infer that makes and models like the Ford Escape, Honda Accord, and Honda CR-V will definitely be a few of the most economical vehicles to insure for state workers.

Types of discounts on Texas auto insurance

Insurance companies that offer cheap quotes for state employees may also offer discounts that can lower rates by 30% or more if you are eligible. A few popular companies and the discounts they provide are detailed below.

The diagram below illustrates the comparison of insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, vehicle safety, multiple policy, multiple vehicle, anti-theft, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for state employees is 28% or $571.

Illustration showing the impact of accidents and violations

In a perfect world, the best way to snag cheap insurance prices in Texas for state workers is to be a careful driver and avoid tickets and accidents. The illustration below shows how traffic citations and at-fault collisions raise insurance costs for different categories of driver ages. The price estimates are based on a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of an auto insurance policy in Texas per year with no accidents or violations is $2,050. Get one speeding ticket and the average cost rises to $2,390, an increase of $340 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for state employees in Texas goes up to an average of $3,352. That's an increase of $1,302, or $109 per month, just for not being attentive to the road!

Why you should be comparing rates

Texas insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Turning one year older, buying another vehicle, or having an at-fault accident can trigger rate changes resulting in some companies being more affordable than others.

In addition to those changes, companies modify pricing as often as every quarter to help ensure profitability. Unexpectedly high claims can cause more expensive prices, while less frequent claims may cause more affordable Texas car insurance rates.

As an example, the graph below shows a variety of companies that have the cheapest car insurance in Texas for a 35-year-old male driver with a good driving record, no prior claims, and good financial standing. If we estimate rates based on his current risk profile, Travelers may offer the best car insurance rates in Texas at $1,052 per year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest Texas auto insurance companies.

Now we will give the driver from the first set of rates a claim or two, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurance company uses their own calculation for filing rates in each state, analyzing rates will most likely result in a new list of cheap Texas auto insurance companies as shown below.

Mercury now has the cheapest auto insurance in Texas with State Farm, Nationwide, USAA, and Safe Auto now rounding out the top five. This example demonstrates why it is critical to compare many different companies to find the cheapest insurance quotes for state employees.

Insurance prices can be determined by many different factors and change dramatically, so the most affordable company six months ago may now cost much more than other companies.

How to find budget-friendly auto insurance for state employees in Texas

Below you'll find some of the better penny-pinching ideas that can help Texas drivers get lower-cost coverage.

The last suggestion is remarkably crucial, as was noted in this piece. Prices adjust frequently, so don't be unwilling to switch companies if you can save money.

Loyalty to a specific company is fine, but it's not a good idea if that devotion results in you overpaying a small fortune year after year. Now is a great time to shop around to find cheaper insurance for state employees.