For high mileage drivers, one of the big considerations that determine insurance cost is your zip code. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The table below shows the most expensive places in Texas for high mileage drivers to purchase a policy in. Austin is ranked at #14 with a yearly cost of $1,676 for the average policyholder, which is around $140 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,853 |
| 5 | Laredo | $1,851 |
| 6 | Amarillo | $1,840 |
| 7 | Pasadena | $1,812 |
| 8 | Grand Prairie | $1,811 |
| 9 | Irving | $1,789 |
| 10 | Garland | $1,778 |
| 11 | Mesquite | $1,753 |
| 12 | San Antonio | $1,722 |
| 13 | Beaumont | $1,720 |
| 14 | Austin | $1,676 |
| 15 | Lubbock | $1,665 |
| 16 | Arlington | $1,658 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | Fort Worth | $1,604 |
| 20 | El Paso | $1,584 |
| 21 | McKinney | $1,577 |
| 22 | Plano | $1,576 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,473 |
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Rate quotes are estimated as the vehicle garaging location can revise premium rates considerably.
The vehicle model requiring coverage is probably the largest consideration when comparing cheaper auto insurance for high mileage drivers. Vehicles with average performance, a great safety record, or low incidents of liability claims will cost substantially less to insure than high performance models. The next table ranks car insurance rates for a handful of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $928 |
| Chevrolet Impala LS | $1,054 |
| Jeep Grand Cherokee Laredo 4WD | $1,073 |
| Toyota RAV4 Sport 4WD | $1,081 |
| Ford Explorer Limited 4WD | $1,095 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,103 |
| Honda CR-V LX 2WD | $1,112 |
| GMC Sierra SLT Crew Cab 2WD | $1,151 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,159 |
| Chevrolet Malibu LTZ | $1,151 |
| Toyota Prius | $1,153 |
| Dodge Grand Caravan CV | $1,169 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,171 |
| Dodge Ram Quad Cab SLT 2WD | $1,175 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,188 |
| Ford F-150 STX Super Cab 4WD | $1,192 |
| Toyota Camry Hybrid | $1,231 |
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific location which can revise premium rates considerably.
Based on these rates, makes and models like the Ford Escape, Chevrolet Impala, Jeep Grand Cherokee, and Toyota RAV4 are likely to be the cheaper vehicles to insure for high mileage drivers.
Rate increases following a ticket or accident
The common sense way to get the best insurance rates in Texas for high mileage drivers is to be a cautious driver and avoid at-fault accidents and violations. The illustration below illustrates how traffic citations and at-fault accidents can increase premium costs for each different age group. The data is based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of a car insurance policy in Austin per year with no accidents or violations is $2,393. Factor in two speeding tickets and the average cost swells to $3,165, an increase of $771 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for high mileage drivers jumps again to an average of $3,954. That’s an increase of $1,561, or $130 per month, just for not being more responsible behind the wheel!
Ending up with the top auto insurance provider can be rather challenging considering how many companies there are to choose from in Texas. The ranking data in the lists below can help you pick which auto insurers to look at when shopping car insurance rates for high mileage drivers. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in Texas are not factored into these rankings.
Top 10 Large Auto Insurance Providers in Austin Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in Austin Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Discounts on Austin insurance
Insurers that provide policies for high mileage drivers may additionally offer price discounts that could lower prices by as much as 30% if you are eligible. The best insurance companies and their possible discounts are:
- State Farm offers premium reductions for Drive Safe & Save, accident-free, multiple autos, Steer Clear safe driver discount, safe vehicle, driver’s education, and defensive driving training.
- American Family offers discounts including defensive driver, good driver, Steer into Savings, TimeAway discount, and mySafetyValet.
- GEICO offers discounts for daytime running lights, good student, anti-lock brakes, anti-theft, and five-year accident-free.
- 21st Century may offer discounts for anti-lock brakes, homeowners, automatic seat belts, 55 and older, good student, driver training, and theft prevention.
- Progressive has savings for multi-policy, good student, multi-vehicle, online signing, homeowner, online quote discount, and continuous coverage.
The diagram below compares premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, homeowner, vehicle safety, multiple vehicle, passive restraint, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for high mileage drivers is 28% or $606.
Ideas for finding budget-friendly insurance for high mileage drivers
Lowering your rates is not difficult, and here are some money-saving suggestions that can help you find cheaper coverage.
- Avoid preventable accidents
- Try to remain claim-free
- The safer your car, the less it costs to insure
- Violations and traffic tickets increase rates
- Multi-policy discounts save money
- Comparison shop at least every other year
That last tip is extremely crucial, as we pointed out in the article above. Rates in Austin can be changed at any time, so don’t hesitate to buy from a new company if a cheaper price is available.
Staying with the same car insurance company is fine, but it’s not a great idea if that stubbornness costs you money that could be spent on other things. Take a couple minutes and compare prices and find cheaper insurance for high mileage drivers.