For good drivers, one of the big factors that are looked at to determine auto insurance rates is where you call home. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The following table shows the most expensive areas in Texas for safe drivers to buy auto insurance in. Dallas makes the list at #4 with the yearly price of $1,855 for the average insurance policy, which is approximately $155 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Houston | $1,891 |
| 3 | Laredo | $1,889 |
| 4 | Dallas | $1,855 |
| 5 | Brownsville | $1,851 |
| 6 | Amarillo | $1,804 |
| 7 | Grand Prairie | $1,793 |
| 8 | Irving | $1,789 |
| 9 | Garland | $1,778 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,753 |
| 12 | Pasadena | $1,740 |
| 13 | Lubbock | $1,733 |
| 14 | San Antonio | $1,722 |
| 15 | Arlington | $1,709 |
| 16 | Austin | $1,676 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | Fort Worth | $1,621 |
| 20 | El Paso | $1,616 |
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Annual rates are comparative as vehicle location can modify rates noticeably.
Locating low-priced insurance is not the easiest thing to accomplish, and figuring out which company offers the cheapest car insurance rates for safe drivers calls for even more work.
Each insurer has a proprietary method to determine premium rates, so first we will examine the most affordable car insurance companies in Dallas, TX.
Best Cheap Insurance Rates for Safe Drivers
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | Unitrin | $2,241 |
| 17 | MetLife | $2,249 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
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Travelers normally has some of the cheapest car insurance rates in Dallas at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Dallas, TX car insurance companies.
As shown in the table above, if you are currently insured with Germania Mutual and switched to USAA, you might realize an annual premium reduction of in the vicinity of $128. Customers with Esurance could save as much as $279 a year, and California Casualty insureds might reduce rates by $310 a year.
It’s important to note that these prices are averages across all drivers and vehicles in Texas and are not factoring in an exact vehicle garaging location for safe drivers. So the car insurance company that has the lowest price for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get car insurance quotes using your own individual information.
The example below highlights how deductible choice can impact premium costs when researching cheap insurance for safe drivers. The price estimates are based on a single female driver, comp and collision included, and no discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $412 a year by changing from a $100 deductible to a $500 deductible, or save $624 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could shave $920 or even more by using a higher deductible.
When choosing a higher deductible, it will be required to have enough savings to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Safe drivers Dallas pay cheaper rates
The easiest method to obtain good car insurance premiums in Dallas for good drivers is to drive safe and avoid accidents and keep your driving record clean. The information below highlights how traffic violations and accidents can increase car insurance costs for different age categories. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $2,393. Get two speeding tickets and the average cost rises to $3,165, an increase of $771 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for safe drivers increases to an average of $6,200. That’s an increase of $3,806, or $317 per month, just for not being attentive to the road!
Liability-only versus full coverage
Saving on car insurance is the goal of the majority of people, and a good way to buy cheap insurance for safe drivers is to not pay for full coverage. The diagram below shows the comparison of insurance costs with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.
As an average for all age groups, full coverage costs an extra $2,131 per year more than just insuring for liability. Many people question if paying for full coverage is a waste of money. There is no exact rule for excluding full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.