The words “affordable” and “insurance” really shouldn’t be used together, specifically when trying to find the lowest insurance prices for government employees. To help control this cost, let’s familiarize you with some of the factors that have an impact on auto insurance prices, and figure out some ways to shave a little off the next policy you buy.
For state and federal workers, one of the big components that help determine insurance cost is where you normally keep your vehicle in Dallas. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The table below ranks the highest-priced places in Texas for government employees to buy auto insurance in. Dallas ranks #2 with the annual price of $1,893 for the average insured, which is approximately $158 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Amarillo | $1,858 |
| 5 | Laredo | $1,851 |
| 6 | Houston | $1,835 |
| 7 | Pasadena | $1,812 |
| 8 | Grand Prairie | $1,793 |
| 9 | Garland | $1,778 |
| 10 | Beaumont | $1,754 |
| 11 | Mesquite | $1,753 |
| 12 | San Antonio | $1,739 |
| 13 | Lubbock | $1,733 |
| 14 | Irving | $1,719 |
| 15 | Arlington | $1,692 |
| 16 | Austin | $1,627 |
| 17 | Fort Worth | $1,621 |
| 18 | Corpus Christi | $1,620 |
| 19 | Plano | $1,608 |
| 20 | Carrollton | $1,598 |
| 21 | McKinney | $1,577 |
| 22 | Waco | $1,569 |
| 23 | El Paso | $1,568 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,499 |
| Find Cheaper Insurance Go | ||
Prices are approximated as the vehicle garaging location can alter price quotes substantially.
The make and model of vehicle you are trying to insure is one of the primary factors when trying to find affordable auto insurance for government employees. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.
The data below features car insurance rates for the cheaper automobiles to insure in Texas.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,397 |
| Ford F-150 XLT Crew Cab 2WD | $1,415 |
| Honda Odyssey EX | $1,464 |
| Toyota RAV4 Sport 2WD | $1,492 |
| Toyota Camry LE | $1,500 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,494 |
| Dodge Grand Caravan Crew | $1,522 |
| Honda Civic LX 4-Dr Sedan | $1,540 |
| Ford Focus SEL 4-Dr Sedan | $1,548 |
| Honda CR-V EX-L 4WD | $1,581 |
| Nissan Rogue S AWD | $1,599 |
| Hyundai Sonata SE 4-Dr Sedan | $1,675 |
| Ford Escape Limited 4WD | $1,680 |
| Toyota Camry Hybrid | $1,706 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,715 |
| Compare Cheap Rates Go | |
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in zip code location which can influence auto insurance rates substantially.
Based upon the table data, we can presume that makes and models like the Toyota Prius, Ford F-150, Honda Odyssey, Toyota RAV4, and Toyota Camry are likely to be the cheapest vehicles to insure for state and federal workers.
Finding decent, cheap car insurance is not the easiest thing to do, and finding out which companies quote the most affordable car insurance rates for government employees will require even more perseverance. Each auto insurer has a different formula for determining rates, so first we will examine the car insurance companies with the overall cheapest rates in Dallas.
Find the Cheapest Car Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,072 |
| 16 | Encompass | $2,232 |
| 17 | MetLife | $2,249 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
| Find Your Rate Go | ||
Travelers generally has some of the most affordable car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Dallas, TX auto insurance companies.
As depicted above, if you have coverage with USAA and switched to Travelers, you may see an annual premium reduction of roughly $107. Drivers with Texas Farm Bureau could save as much as $190 a year, and Germania Mutual insureds might reduce rates by $235 a year.
Bear in mind that those premiums are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific location for government employees. So the insurer that can offer you the lowest price may not even be in the top 23 companies in the list above. That illustrates why you need to compare as many prices as possible using your own individual information.
Discount Dallas auto insurance rates
Auto insurance companies that offer cheap quotes for government employees may provide policy discounts that could potentially reduce rates by as much as 30% if you are eligible. A list of companies and their possible discounts are shown below.
- Travelers includes discounts for home ownership, good student, student away at school, save driver, and continuous insurance.
- 21st Century offers discounts for homeowners, air bags, good student, 55 and older, and driver training.
- State Farm has savings for good driver, accident-free, good student, multiple policy, passive restraint, anti-theft, and student away at school.
- GEICO may offer discounts for daytime running lights, emergency military deployment, multi-vehicle, anti-theft, and multi-policy.
- SAFECO discounts include multi-car, bundle discounts, safe driver, accident prevention training, anti-theft, drive less, and teen safety rewards.
- AAA offers discounts including AAA membership discount, good driver, pay-in-full, anti-theft, and education and occupation.
The diagram below illustrates the difference between premium costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, 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 bar shows the rates with multiple policy, vehicle safety, anti-theft, marriage, homeowner, and claim-free discounts applied. When drivers qualify for the discounts, the amount saved on car insurance for government employees is 28% or $678.
The chart below highlights how deductible choice can increase or decrease insurance prices when quoting cheap insurance for government employees. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.
A 40-year-old driver could save $374 a year by increasing from a $100 deductible to a $500 deductible, or save $564 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $1,236 or even more by choosing a higher deductible. When choosing a higher deductible, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Ideas for finding budget-friendly insurance for government employees
Here are some penny-pinching ideas that can help Dallas drivers get cheaper car insurance.
- Do not get traffic violations
- Raise deductibles
- The safer your car, the less it costs to insure
- Avoid accidents
- Remove physical damage coverage on older vehicles
- Higher credit ratings may save you money
- Compare rates regularly and switch companies to save money
That last piece of advice is notably significant, as was affirmed in the prior information. Car insurance prices can be modified anytime, so you should be ready to switch to a new company if you find a cheaper price. Staying with the same car insurance company is fine, but it isn’t a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. Now is a great time to shop around and find cheaper insurance for government employees in Dallas.
If you prefer to have some advice when comparing insurance rates for government employees, the insurance agencies below are a good start to help you determine which car insurance company is the best fit. To find an agent using an interactive map, click the button at the bottom of the list.
- Ann Nguyen – State Farm Insurance Agent
12655 N Central Expy #310 – Dallas, TX 75243 – (214) 692-0900 - Dan Stanton – State Farm Insurance Agent
3767 Forest Ln #107 – Dallas, TX 75244 – (972) 243-8894 - Calema Insurance Agency
3021 Lombardy Ln #101 – Dallas, TX 75220 – (469) 341-7831 - John Hall – State Farm Insurance Agent
3110 Webb Ave #205 – Dallas, TX 75205 – (972) 807-2051 - Richard Ramirez – State Farm Insurance Agent
9400 N Central Expy #120 – Dallas, TX 75231 – (214) 320-3000