It’s hard to miss the captivating commercials from companies like Progressive, GEICO, and State Farm that promise huge savings. So you should just choose any one of them, right?
It’s just not that easy, however, as there are many unknowns like how experienced of a driver you are, any tickets or violations, the area you live in, and if you have ever let your coverage lapse, that all impact the cost of coverage. If you keep reading, we will teach you about the best ways to pay less and also should give you a jump start in finding the best auto insurance.
The vehicle that needs insurance is one of the largest considerations when trying to find economical car insurance for felons. Vehicles with high performance features, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The list below showcases coverage prices for a number of the most affordable vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $962 |
| Jeep Wrangler Sport 4WD 2-Dr | $971 |
| Honda CR-V EX 4WD | $1,052 |
| Ford Edge SE AWD | $1,091 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,104 |
| Toyota RAV4 Limited 4WD | $1,113 |
| Chevrolet Malibu Hybrid | $1,119 |
| Toyota Prius | $1,144 |
| Ford F-150 XLT Regular Cab 4WD | $1,150 |
| Toyota Camry SE | $1,174 |
| Chevrolet Impala LTZ | $1,179 |
| Chevrolet Equinox LT 2WD | $1,218 |
| Ford Focus SE 4-Dr Sedan | $1,229 |
| Ford Explorer Limited 4WD | $1,242 |
| Dodge Grand Caravan Crew | $1,250 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,275 |
| Kia Optima SX | $1,277 |
| Toyota Camry Hybrid | $1,287 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,284 |
| Honda Civic LX 4-Dr Sedan | $1,286 |
| Honda Odyssey EX-L | $1,292 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,297 |
| Nissan Rogue S 2WD | $1,305 |
| Compare Rates Now Go | |
Price 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 multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify premium rates noticeably.
Based on these rates, vehicles like the Ford Escape, Jeep Wrangler, Honda CR-V, Ford Edge, and Volkswagen Jetta are most likely to be the cheaper vehicles to insure for felons.
Figuring out which companies quote the most affordable auto insurance rates for felons will require a little more sweat in order to find a policy that fits your budget.
Each insurer has a proprietary method for filing rates in each state, so let’s take a look at the auto insurance companies with the overall cheapest rates in Austin.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,549 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,594 |
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Travelers generally has some of the lowest car insurance rates in Austin at around $1,021 each year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best Austin, TX insurance companies.
In the above rates, if you are insured with Germania Mutual and switched to USAA, you may realize savings of roughly $149. Drivers with Esurance might save as much as $284 a year, and California Casualty customers might lower prices by up to $343 a year.
Understand that those policy rates are averages across all drivers and vehicles in Texas and and are not calculated with a specific location for felons. So the car insurance company that is best for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The example below highlights how deductible choice can affect insurance costs when searching for cheap insurance for felons. The premiums are based on a single female driver, full coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could save $422 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $634 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, can save up to $1,074 or even more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it is essential to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Insuring your vehicle with a highly-rated company can be difficult considering how many companies there are to choose from in Austin. The company ratings displayed below can help you choose which companies you want to consider when insurance shopping for felons.
The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Texas will not be included in these rankings. To compare prices from these companies and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You are probably paying too much for car insurance
Austin auto insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. Simply turning a year older, increasing liability limits, or getting a reckless driving citation can trigger rate changes that may make certain companies affordable when they were higher priced.
In addition, auto insurance companies change the rates they charge in Texas at least once a year in order to maintain liquidity for claims. Significantly higher claims may cause more expensive prices, while a profitable period may cause cheaper Austin car insurance rates.
The graph below compares the cheapest car insurance in Austin, TX for a 45-year-old male driver with a good driving record, no prior claims, and excellent credit. If we compare prices based on his personal risk profile, Travelers may have the best car insurance rates in Austin at $1,116 each year. This is $788 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the best Austin, TX auto insurance companies.
In this example, we will give the driver from the first set of rates an accident claim, a lower credit rating, and a stop sign violation. Since each insurance company has a proprietary method for filing rates in each state, comparing rates will most likely result in a different ranking of affordable Austin car insurance companies as shown below.
State Farm now has the lowest price on auto insurance in Austin with Mercury, USAA, Nationwide, and Safe Auto now rounding out the top five. This example illustrates why consumers need to take the time to shop around to get the most budget-friendly car insurance quotes for felons. Insurance prices are calculated by many different factors and change frequently, so the most affordable company two years ago may now cost much more than other companies.
How to find the cheapest insurance for felons
Lowering your rates is not difficult, and here are a few money-saving solutions that can help Texas drivers get low-cost coverage.
- Bundle car and home insurance and save money
- Pay lower rates with good credit
- Avoid having at-fault accidents
- Buy a safer vehicle
- Remove physical damage coverage on older vehicles
- Comparison shop at least every other year
The final tip is very valuable, as was noted in this piece. Auto insurance rates fluctuate considerably, so you should be ready to buy a policy from a new company if a cheaper price is available.
Being loyal to a particular company is commendable, but it’s not a great idea if that faithfulness ends up costing you a small fortune. Take a couple minutes and compare prices to find cheaper auto insurance for felons in Austin.
If you aren’t sure which coverage to buy and prefer to have some advice when buying car insurance for felons, the agencies below are willing to aid you in deciding which car insurance company is the best fit. To find an Austin insurance agent by location nearest to you, click the link after the list.
Bridgette Hearne – State Farm Insurance Agent
3407 W Slaughter Ln b – Austin, TX 78748 – (512) 441-3704
Austin Insurance Group
9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901
Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055