Comparing quotes for affordable insurance is hard enough, and figuring out which insurers offer the lowest-priced auto insurance rates for teachers calls for even more rate comparisons.
Each auto insurer uses their own formula to set policy rates, so let’s begin by taking a look at the most budget-friendly auto insurance companies in Dallas. It’s important that readers know that Dallas auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Events like turning one year older, buying a safer car, or getting a few speeding tickets can trigger changes in premium that may make certain companies higher when they were quite affordable.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,506 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,310 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| View More Rates Go | ||
Travelers may offer some of the best car insurance rates in Dallas at around $1,021 annually. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheaper Dallas, TX car insurance companies.
As shown above, if you buy coverage from Germania Mutual and switched to Travelers, you may see savings of approximately $235. Drivers with Esurance might save as much as $386 a year, and California Casualty policyholders might cut rates by $403 a year.
To find the cheapest coverage for you, click here to begin a quote or click several companies below for low rates.
Be aware that those policy rates are averages for all ages of drivers and types of vehicles and and are not calculated with a specific location for teachers. So the auto insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
For teachers and educators, one of the big things that determine the cost of insurance is where your residence is in Dallas. Regions with larger populations or more claims are more likely to pay higher prices, whereas less populated areas benefit from lower rates.
The information below shows the most expensive cities in Texas for teachers to purchase car insurance in. Dallas is ranked at #2 with the annual price of $1,911 for the average policy, which is around $159 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,907 |
| 4 | Houston | $1,891 |
| 5 | Brownsville | $1,870 |
| 6 | Grand Prairie | $1,811 |
| 7 | Amarillo | $1,804 |
| 8 | Garland | $1,796 |
| 9 | Irving | $1,789 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Mesquite | $1,753 |
| 13 | San Antonio | $1,671 |
| 14 | Fort Worth | $1,670 |
| 15 | Lubbock | $1,665 |
| 16 | Austin | $1,659 |
| 17 | Carrollton | $1,647 |
| 18 | Arlington | $1,642 |
| 19 | McKinney | $1,625 |
| 20 | Plano | $1,624 |
| Find the Best Rates Go | ||
Table data uses approximated as the garaging address in Dallas can alter auto insurance rates significantly.
Ending up with a high-quality insurance provider is difficult considering how many companies sell insurance in Texas. The company information below can help you pick which companies you want to consider purchasing a policy from.
These ratings are for companies who write in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not factored into these rankings. To get price quotes from the insurers below and more, click this link.
Top 10 Major Auto Insurers Overall in Dallas
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Major Auto Insurers in Dallas Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Get discount Dallas insurance rates
Insurers that provide coverage for teachers could also offer discounts that could lower prices by 25% or more if you meet the requirements. A list of auto insurance companies and some of the discounts are shown below.
- Mercury Insurance may offer discounts for low natural disaster claims, ease of repair, good driver, accident-free, professional/association, and age of vehicle.
- Farmers Insurance includes discounts for distant student, electronic funds transfer, mature driver, alternative fuel, multi-car, early shopping, and business and professional.
- Farm Bureau offers premium reductions for safe driver, youthful driver, multi-policy, renewal discount, multi-vehicle, driver training, and 55 and retired.
- State Farm has savings for anti-theft, Drive Safe & Save, passive restraint, multiple policy, student away at school, and defensive driving training.
- Allstate policyholders can earn discounts including good student, defensive driver, good payer, FullPay discount, teenSMART discount, and farm vehicle.
- GEICO has discounts for driver training, five-year accident-free, daytime running lights, federal employee, air bags, good student, and military active duty.
The illustration below shows the difference between auto insurance costs with and without policy discounts. The rates are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, vehicle safety, safe-driver, multiple policy, accident-free, and marriage discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for teachers is 28% or $815.
Who has the cheapest Dallas car insurance?
Dallas, TX auto insurance rates are determined by lots of factors that can increase the cost of coverage. Getting older, buying higher coverage limits, or getting into an accident can trigger rate changes that may make certain companies cheaper than competitors.
Not only may things change on your end, but companies amend premium rates as often as every three months in order to be able to pay unexpected claims. Heavier than normal losses can result in rate hikes, while lower claim expenses may cause lower-cost Dallas car insurance rates.
To illustrate this example, the graph below analyzes the cheapest car insurance in Dallas, TX for a 30-year-old male driver with a clear driving record, no claims, and great credit. If we look at prices based on his current risk factors, Travelers might quote the lowest car insurance rates in Dallas at $1,351 a year. This is $553 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the most affordable Dallas, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable claim, bad credit, and a stop sign violation. Because every insurance company has their own unique process to determine rates, comparing quotes may now show a completely different list of companies as shown below.
Mercury now has the best price on car insurance in Dallas, TX with State Farm, USAA, Nationwide, and Safe Auto now being in the top five. This illustrates why consumers need to take the time to shop around with many companies to find cheap car insurance rates for teachers. Rates can be determined by many things and can change without notice, so the most economical company when you bought your policy may now be one of the more expensive options.
How to find more affordable insurance for teachers
The list below details some of the recommended thrifty solutions that can help Dallas drivers quote lower-cost car insurance.
- Clean up your credit
- Avoid getting tickets or violations
- Buy a car with high safety ratings
- Earn a discount by not filing claims
- Maintain a safe distance and avoid accidents
- Compare prices as often as possible
That last piece of advice is particularly critical, as was affirmed in this article. Prices charged by car insurance companies in Dallas can change in a short period of time, so don’t hesitate to buy a policy from a new company if you find a better deal. Having brand loyalty is commendable, but it’s not a great idea if that dedication is costing hundreds every year. If you have a few minutes, now is a great time to compare prices to find cheaper auto insurance for teachers.
If you have coverage questions and would like to have professional advice when shopping around for cheaper insurance for teachers and educators, the agencies below can answer your questions and help you decide which insurance coverage you need.
To find a Dallas insurance agent by location nearest to you, click the button following the list or click here to compare prices now.
- Rodriguez Insurance Agency LLC
13111 N Central Expy Suite 8001 – Dallas, TX 75243 – (888) 797-1924 - Nationwide Insurance: Comparable Insurance Agency Inc
9750 Walnut St Ste 106 – Dallas, TX 75243 – (214) 575-2750 - Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500