The words “low-priced” and “insurance” really shouldn’t be used together, especially when looking for the best insurance rates for high mileage drivers. Because it’s not cheap, let’s start off by going over a few of the things that can significantly affect car insurance rates, and see how we can help you take the sting out of your next policy.
For high mileage drivers, one of the big criteria that are used to help calculate the cost of insurance is the neighborhood you call home in Dallas. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with less crime or weather claims benefit from lower prices.
The following table sorts the most expensive places in Texas for high mileage drivers to buy car insurance in. Dallas is ranked #2 with a yearly cost of $1,911 for the average policy, which is approximately $159 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,908 |
| 4 | Laredo | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Houston | $1,835 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,794 |
| 9 | Amarillo | $1,786 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,720 |
| 13 | San Antonio | $1,671 |
| 14 | Lubbock | $1,665 |
| 15 | Arlington | $1,658 |
| 16 | Austin | $1,627 |
| 17 | Carrollton | $1,615 |
| 18 | Fort Worth | $1,604 |
| 19 | Plano | $1,576 |
| 20 | Corpus Christi | $1,572 |
| 21 | Waco | $1,569 |
| 22 | El Paso | $1,568 |
| 23 | Abilene | $1,561 |
| 24 | McKinney | $1,561 |
| 25 | Killeen | $1,518 |
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Rates are estimated as specific location information can raise or lower premiums noticeably.
The car, truck, or SUV that is being insured is probably the largest consideration when quoting the most economical insurance for high mileage drivers. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more modest models.
The list below presents coverage costs for a number of the most affordable vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,286 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,320 |
| Honda Accord LX-P 4-Dr Sedan | $1,325 |
| Honda CR-V EX 4WD | $1,359 |
| Jeep Grand Cherokee Laredo 4WD | $1,393 |
| Hyundai Elantra SE Touring Station Wagon | $1,400 |
| Dodge Grand Caravan CV | $1,442 |
| Honda Civic EX 4-Dr Sedan | $1,448 |
| Toyota Prius | $1,466 |
| Nissan Rogue SL 2WD | $1,491 |
| Kia Optima LX | $1,501 |
| Chevrolet Malibu LTZ | $1,496 |
| Ford Fusion S 4-Dr Sedan | $1,525 |
| Volkswagen Jetta 2.0T Station Wagon | $1,540 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,554 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in Dallas, TX location which can increase or decrease premium rates substantially.
Based upon the rates shown, you can assume that makes and models like the Ford Escape, Jeep Wrangler, Honda Accord, Honda CR-V, and Jeep Grand Cherokee will definitely be the most economical vehicles to insure for high mileage drivers.
Determining which companies quote the best car insurance rates for high mileage drivers involves a little more sweat in order to find coverage that fits your budget.
Each company uses a slightly different approach for setting rates, so to begin we’ll rank the lowest cost car insurance companies in Texas. It’s important to know that Dallas, TX car insurance rates are impacted by many factors that can increase the price you pay. Simply having a birthday, filing a claim, or getting a reckless driving citation can trigger price changes resulting in some rates now being cheaper than competitors.
Find Cheaper Auto Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
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Travelers quotes some of the lowest car insurance rates in Dallas at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the more affordable Dallas, TX auto insurance companies.
In this example, if you are a customer of USAA and switched to Travelers, you could realize an annual savings of around $43. Customers with Texas Farm Bureau may save as much as $159 a year, and Germania Mutual policyholders might reduce rates by $230 a year.
To get a fast rate comparison, click here to get quotes or visit any of the low-priced companies below.
Understand that those estimates are averaged across all drivers and vehicles and are not factoring in a specific location for high mileage drivers. So the insurer that fits your situation best may not even be in the top 23 companies shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Get discounts on Dallas auto insurance rates
Car insurance companies that provide policies for high mileage drivers could also offer price discounts that may potentially lower prices by 30% or more if you meet eligibility requirements. Larger car insurance companies and a selection of discounts are detailed below.
- State Farm policyholders can earn discounts including good driver, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, and driver’s education.
- American Family includes discounts for accident-free, mySafetyValet, air bags, early bird, and multi-vehicle.
- GEICO may have discounts that include military active duty, air bags, five-year accident-free, seat belt use, driver training, and multi-policy.
- 21st Century may offer discounts for teen driver, early bird, anti-lock brakes, air bags, and student driver.
- Progressive offers premium reductions for online signing, continuous coverage, good student, online quote discount, multi-vehicle, homeowner, and multi-policy.
The illustration below illustrates the difference between insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, homeowner, anti-theft, vehicle safety, passive restraint, and multiple vehicle discounts applied. In this example, the average yearly reduction on car insurance for high mileage drivers is 28% or $571.
Choosing the highest-rated auto insurance provider can be rather challenging considering how many different companies sell coverage in Dallas. The company rank data below may help you choose which auto insurers to look at when comparing rate quotes. These rankings are only comprised of large nationwide companies, so companies that focus mainly on Texas business are not factored into this list.
Top 10 Major Auto Insurance Providers in Dallas Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Providers in Dallas Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
How to find budget-friendly auto insurance for high mileage drivers
Here are some money-saving solutions that can help Dallas drivers quote lower-cost auto insurance.
- Having too many claims will increase rates substantially
- Having at-fault accidents will increase rates
- Buying your home and auto policies from the same company can earn a discount
- Do not get traffic violations
- Get cheaper liability coverage by choosing a safer vehicle
- Compare prices as often as possible
That last idea is certainly crucial, as was affirmed in the prior information. Prices charged by car insurance companies fluctuate constantly, so don’t be tentative to buy a policy from a new company if a more affordable price is available.
Brand loyalty is not necessarily bad, but is isn’t recommended if your bullheadedness ends up costing you money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper insurance for high mileage drivers in Dallas.