One of the many considerations that are looked at to determine the annual cost of car insurance is where you normally keep your vehicle. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The next table lists the most expensive places in Texas for police officers in which to purchase auto insurance. Dallas makes the list at #4 with an annual premium of $1,837 for car insurance, which is approximately $153 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Laredo | $1,889 |
| 3 | Brownsville | $1,851 |
| 4 | Dallas | $1,837 |
| 5 | Houston | $1,835 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Amarillo | $1,786 |
| 11 | Beaumont | $1,772 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,733 |
| 14 | San Antonio | $1,722 |
| 15 | Arlington | $1,709 |
| 16 | Fort Worth | $1,653 |
| 17 | Corpus Christi | $1,636 |
| 18 | Austin | $1,627 |
| 19 | El Paso | $1,616 |
| 20 | McKinney | $1,609 |
| Compare Prices Now Go | ||
Annual rates are estimated as the vehicle garaging location can revise rates considerably.
Deciding which company has the cheapest insurance rates for police officers requires a little more sweat than just comparing a company or two. Each company has a unique approach for setting prices, so we need to take a look at the most affordable insurance companies in Dallas, TX.
Best Car Insurance Prices for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,255 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
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Travelers offers some of the lowest car insurance rates in Dallas at around $1,041 a year. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Dallas, TX insurance companies.
As shown above, if you currently have coverage with Texas Farm Bureau and switched to Travelers, you could earn yearly savings of in the vicinity of $170. Policyholders with Germania Mutual might save as much as $215 a year, and Esurance customers might cut rates by $324 a year.
Remember that these policy rates are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact zip code location for police officers. So the insurer that can offer you the lowest price may not even be in the top 23 companies shown above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The illustration below shows how different deductible levels can change insurance costs when searching for cheap insurance for police officers. The information is based on a married female driver, comp and collision included, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $302 a year by increasing from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save $646 or more just by using higher deductibles. If you make the decision to raise deductibles, it is important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Cost comparison with and without full coverage
Saving on insurance is the goal of most drivers, and one of the fastest ways to find cheap insurance for police officers is to only buy liability insurance. The information below illustrates the difference between car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no violations or claims, $1,000 deductibles, single marital status, and no discounts are applied.
As an average for all age groups, physical damage coverage costs an extra $2,159 per year more than just buying liability only. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no set guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s pretend your vehicle’s book value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,500 after paying your policy deductible. If you are paying more than $850 annually to have full coverage, then it might be time to buy liability only.
Buying coverage from the top car insurance company can be challenging considering how many choices drivers have in Texas. The company rank data shown below may help you select which car insurance providers to look at purchasing a policy from.
These ratings are only made up of the largest companies in America, so companies that focus mainly on Texas business are not taken into consideration for these rankings. If you would like to check rates from many more Texas auto insurance companies, just click here.
Top 10 Large 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 Large Auto Insurance Providers in Dallas Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Compare rates to save
Dallas insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply getting older, increasing deductibles, or getting a speeding ticket can produce rate changes that can now make some companies cheaper than others. In addition, insurers change premium rates as often as every quarter to ensure their profitability. Heavy losses may cause rate hikes, while a profitable period can result in cheaper Dallas car insurance rates.
The chart below shows which company has the cheapest car insurance in Dallas, TX for a 40-year-old male driver with no accidents, a clean driving record, and a good credit rating. When comparing rates based on his current risk factors, Travelers has the best car insurance rates in Dallas at $1,311 per year. This is $593 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Dallas, TX auto insurance companies.
Let’s now give the driver from the first example a claim surcharge, a lower credit rating, and a few blemishes on his driving record. Because each company uses a different method for determining rates, comparing rates will most likely result in a completely different list of affordable Dallas car insurance companies as shown below.
State Farm now has the best price in Dallas with Mercury, Safe Auto, Nationwide, and USAA now rounding out the top five. This example demonstrates why it is crucial to perform a complete rate comparison to get the best car insurance quotes for police officers. Prices are influenced by many different factors and can change without notice, so the best company when you bought your policy may now cost much more than other companies.