Who Has the Cheapest Car Insurance for Government Employees in Austin?

You have seen the captivating ads from auto insurance companies like Nationwide, The General, and Progressive promising the cheapest price, so you just need to choose any of them, right?

Regrettably, it’s not quite that easy, as there are a lot of unknown aspects such as your credit score, when you were born, if you are a homeowner, and the amount of liability coverage you want, that all factor into the price you pay. Car insurance is kind of a dry topic, but this article will explain these types of topics and will hopefully give the reader a jump start in finding the best auto insurance in Texas.

Locating low-cost car insurance is confusing at best, and finding out which companies offer the cheapest auto insurance rates for government employees calls for more quotes for comparison. Every insurance company uses a slightly different approach to determine premium rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Texas.

We do need to point out that Texas auto insurance rates are calculated based on many things that control the cost of a policy. Things like getting older, marrying your spouse, or getting a few speeding tickets may cause policy rate changes resulting in some rates now being more expensive than competitors.

Best Cheap Insurance Rates in Texas

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,495
8 Mercury $1,506
9 Nationwide $1,585
10 Safe Auto $1,597
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,775
14 GEICO $2,093
15 Home State $2,134
16 MetLife $2,161
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,568
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Travelers offers some of the cheapest car insurance rates in Austin at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Austin, TX auto insurance companies.

As shown in the table above, if you are insured with USAA and switched to Travelers, you might see yearly savings of approximately $107. Policyholders with Texas Farm Bureau could save as much as $189 a year, and Germania Mutual customers might reduce prices by as much as $246 a year.

To compare your rates to other Texas insurance companies, click here to get quotes or quote prices from the following companies.

It’s important to note that these prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific zip code for government employees. So the insurer that has the cheapest rates for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own specific driver and vehicle information.

For state and federal workers, one of the more important considerations that help determine auto insurance rates is where you live. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas more rural areas have the benefit of cheaper auto insurance prices.

The following table rates the most expensive places in Texas for government employees to buy car insurance in. Austin is ranked at #17 with the yearly price of $1,659 on average, which is about $138 each month.

How much does car insurance cost in Austin, TX?
Rank City Average Per Year
1 McAllen $1,996
2 Dallas $1,911
3 Brownsville $1,870
4 Houston $1,853
5 Garland $1,850
6 Laredo $1,833
7 Irving $1,789
8 Amarillo $1,786
9 Grand Prairie $1,757
10 Mesquite $1,753
11 Pasadena $1,740
12 San Antonio $1,722
13 Lubbock $1,716
14 Arlington $1,709
15 Beaumont $1,702
16 Fort Worth $1,670
17 Austin $1,659
18 McKinney $1,625
19 Corpus Christi $1,620
20 Carrollton $1,615
21 El Paso $1,584
22 Plano $1,576
23 Waco $1,537
24 Abilene $1,515
25 Killeen $1,488
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Annual rates are estimated as the vehicle garaging location can alter auto insurance rates noticeably.

Insuring your vehicle with the right car insurance provider is hard considering how many different companies insure vehicles in Austin. The ranking data in the next section could help you choose which companies to look at when shopping around. These ratings are only made up of companies that insure vehicles nationwide, so companies without a large exposure are not factored into these rankings.

Best Auto Insurance Companies for Government Employees in Austin
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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Driving violations and accidents

In a perfect world, the ideal way to enjoy low auto insurance prices in Texas for state and federal workers is to drive safe and avoid accidents and traffic citations. The example below highlights how traffic violations and at-fault fender-benders can raise auto insurance costs for each age group. The information is based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

In the example above, the average cost of car insurance per year with no violations or accidents is $1,529. Get written up for one speeding ticket and the average cost surges to $1,758, an increase of $229 each year. Then add one accident along with the one speeding ticket and the 12-month cost of auto insurance for government employees goes up to an average of $2,391. That’s an increase of $862, or $72 per month, just for not being attentive to the road!

How to find low-cost car insurance for government employees

Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help Austin drivers quote more affordable car insurance.

That last piece of advice is certainly necessary, as we discussed in this piece. Coverage rates adjust often, so you should be ready to buy a policy from a new company if you can save money. Having brand loyalty is commendable, but it’s not recommended if that stubbornness costs you money that could be going to better use. Spend a few minutes and shop around and find cheaper car insurance for government employees in Austin.

The agencies below are willing to answer your questions and help you decide which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when trying to find lower insurance rates for government employees. It can be challenging to find the best policy on your own, so insurance agents licensed in the state of Texas can add satisfaction knowing you have adequate protection in the event of a claim.

To find an Austin insurance agent near you, click the button at the bottom of the list or click here to compare price quotes now.

View map of Austin, TX insurance agents