One of the many components that help determine the price you pay for insurance is where you live. Areas with more people or more claims tend to pay more, whereas areas with less congestion benefit from lower rates.
The next table rates the priciest cities in Texas for postal workers in which to buy car insurance. Austin is listed at #17 with an annual premium of $1,627 for the average insurance policy, which is around $136 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Houston | $1,891 |
| 3 | Brownsville | $1,870 |
| 4 | Laredo | $1,851 |
| 5 | Dallas | $1,837 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,804 |
| 9 | Irving | $1,772 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Grand Prairie | $1,757 |
| 13 | San Antonio | $1,739 |
| 14 | Lubbock | $1,733 |
| 15 | Fort Worth | $1,670 |
| 16 | Arlington | $1,642 |
| 17 | Austin | $1,627 |
| 18 | McKinney | $1,625 |
| 19 | Corpus Christi | $1,620 |
| 20 | Carrollton | $1,615 |
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Prices are estimated as specific Austin zip code can revise coverage rates considerably.
Trying to find low-cost insurance is difficult, and determining which companies quote the best insurance rates for postal workers will take even more work. Every insurance provider has their own guidelines for establishing rates, so to begin we’ll rank the most budget-friendly insurance companies in Austin, TX.
It’s a good idea to know that Austin, TX insurance rates are based on many factors which can substantially change the policy premium. Things like having a birthday, moving to a different location, or getting into an accident can trigger price changes that may make certain companies cheaper than others.
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Travelers normally has some of the most affordable car insurance rates in Austin at around $1,041 each year. This is $863 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 cheaper Austin, TX auto insurance companies.
In the above example, if you are a policyholder with Germania Mutual and switched to USAA, you might see a yearly price reduction of in the vicinity of $199. Customers with Esurance may save as much as $284 a year, and California Casualty insureds might reduce rates by $329 a year.
To discover how much you can save, click here or quote rates from the companies below.
Bear in mind that those policy rates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific zip code for postal workers. So the insurer that has the cheapest price for you may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
The vehicle on the policy is a significant factor when comparison shopping for cheap auto insurance for postal workers. Vehicles with high performance features, poor safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The list below showcases coverage prices for the more affordable automobiles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $891 |
| Honda Accord LX 4-Dr Sedan | $900 |
| Toyota Prius | $986 |
| Honda CR-V EX 4WD | $997 |
| Ford Escape Limited 2WD | $1,033 |
| Ford Focus SE 4-Dr Sedan | $1,035 |
| Dodge Grand Caravan Crew | $1,073 |
| Honda Odyssey EX W/Rear Entertainment | $1,129 |
| Toyota Tacoma 2WD | $1,138 |
| Toyota RAV4 Limited 4WD | $1,152 |
| Chevrolet Malibu LS | $1,159 |
| Jeep Grand Cherokee Laredo 4WD | $1,152 |
| Ford Edge SE AWD | $1,160 |
| Ford Explorer Eddie Bauer 4WD | $1,175 |
| Chevrolet Equinox LT 2WD | $1,188 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can lower or raise coverage rates significantly.
Looking at the data, you can expect cars like the Hyundai Elantra, Honda Accord, Toyota Prius, Honda CR-V, and Ford Escape are most likely going to be the most economical vehicles to insure for postal employees.
How to get discounts on Austin car insurance rates
Car insurance companies that sell policies for postal workers may additionally offer premium discounts that can lower rates by as much as 35% or more if you qualify for them. Large insurance companies and some of their more popular discounts can be read below.
- GEICO includes discounts for daytime running lights, five-year accident-free, seat belt use, anti-theft, emergency military deployment, membership and employees, and good student.
- Travelers may have discounts that include student away at school, hybrid/electric vehicle, IntelliDrive, home ownership, multi-policy, and continuous insurance.
- Nationwide may offer discounts for good student, business or organization, easy pay, Farm Bureau membership, accident-free, and family plan.
- Farmers Insurance has savings for distant student, pay in full, good student, teen driver, youthful driver, bundle discounts, and mature driver.
- Esurance offers discounts for defensive driver, good driver, Switch & Save, multi-policy, online quote, and online shopper.
- State Farm policyholders can earn discounts including good student, Drive Safe & Save, student away at school, multiple autos, and defensive driving training.
- Progressive discounts include homeowner, multi-vehicle, continuous coverage, online signing, and online quote discount.
- Mercury Insurance has discounts for accident-free, low natural disaster claims, good student, multi-car, multi-policy, ease of repair, and good driver.
The information below illustrates the comparison of insurance premiums with and without discounts applied to the rates. The information is based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, vehicle safety, homeowner, multiple vehicle, defensive driving course, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for postal workers is 28% or $669.
Choosing a good quality car insurance provider is difficult considering how many different companies insure vehicles in Texas. The rank data below may help you choose which car insurance companies to look at when shopping your coverage around.
The rankings below are for large nationwide companies, so companies with more of a regional focus are not factored into the list. To compare price quotes from these and other top-rated companies, follow 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
If you aren’t sure which coverage you need and prefer to get some professional advice when comparing insurance rates for postal workers, the professional agents shown below are willing to help you determine which coverage meets your needs best. To locate an agency nearest to you, click the link at the bottom or click here to get price quotes now.
AmeriFirst Insurance Agency, LLC
8300 N Mopac Expy #105 – Austin, TX 78759 – (512) 524-8808
Southwest Insurance Center
3105 W Slaughter Ln – Austin, TX 78748 – (512) 280-6100
E-Z Insurance – South
4011 S 1st St – Austin, TX 78745 – (512) 443-9700
Watkins Insurance Group
3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877
State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340
More insurance agents in Austin, TX
How to find budget-friendly car insurance for postal workers
Below you’ll find a few thrifty ideas that can help Austin drivers locate cheap coverage.
- Avoid speeding and other traffic citations and pay less
- At-fault accidents will increase rates
- Safer vehicles generally have cheaper insurance rates
- Don’t waste money on full coverage for older vehicles
- Drivers with good credit often pay less
- Increase your policy deductibles
- Ensure you have the best deal by shopping around regularly
The last idea is incredibly critical, as was pointed out in the prior information. Car insurance rates vary considerably, so don’t be unwilling to change to a new company if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune. Now is a great time to shop around and find cheaper car insurance for postal workers in Austin.