Establishing which company has the cheapest auto insurance rates for police officers involves a little more work in order to find the best policy. Each insurer has a proprietary method for determining rates, so let’s take a look at the most budget-friendly auto insurance companies in Texas.
It’s important that readers know that Texas auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Simply turning a year older, marrying your spouse, or getting a ticket for careless driving can cause premium changes resulting in some companies being more affordable than others.
Lowest Insurance Price Quotes for Law Enforcement
Travelers offers some of the best car insurance rates in Houston at around $1,052 per year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the most economical Houston, TX car insurance companies.
In the above rates, if you are currently insured with Germania Mutual and switched to USAA, you could realize annual savings of in the vicinity of $139. Policyholders with Esurance could save as much as $248 a year, and California Casualty policyholders might lower prices by $307 a year.
Be aware that those prices are averaged for all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for police officers. So the insurer that can offer you the best price may not even be in the list above. That point stresses why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
For law enforcement personnel, one of the more important considerations that are looked at to determine the amount you pay each year for auto insurance is where your car is garaged in Houston. Larger areas tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from lower rates.
The table below rates the highest-priced places in Texas for police officers to purchase car insurance in. Houston shows up at #5 costing $1,835 for car insurance, which is about $153 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Brownsville | $1,908 |
| 4 | Laredo | $1,889 |
| 5 | Houston | $1,835 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Grand Prairie | $1,811 |
| 10 | Amarillo | $1,804 |
| 11 | Irving | $1,736 |
| 12 | Beaumont | $1,720 |
| 13 | Arlington | $1,709 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,627 |
| 18 | Fort Worth | $1,621 |
| 19 | Corpus Christi | $1,620 |
| 20 | McKinney | $1,609 |
| 21 | Plano | $1,608 |
| 22 | El Paso | $1,584 |
| 23 | Killeen | $1,533 |
| 24 | Waco | $1,522 |
| 25 | Abilene | $1,499 |
| Compare Prices Now Go | ||
Prices are approximated as the specific zip code location can raise or lower price quotes substantially.
Ending up with the right auto insurance company can be rather challenging considering how many choices there are in Texas. The company information below can help you choose which providers you want to consider buying from.
The rankings below are only made up of companies with a nationwide focus, so smaller regional companies will not be included in this list. If you wish to compare rates from these top-rated insurers and more, just click here.
Top 10 Major Auto Insurance Providers Overall in Houston
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Irresponsible driving raises your rates
In a perfect world, the ideal way to find good auto insurance prices for law enforcement personnel is to drive attentively and not receive tickets or have accidents. The chart below shows how traffic citations and at-fault accidents can impact annual premium costs for different ages of insureds. The prices are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Houston per year with no accidents or violations is $1,709. Get written up for one speeding ticket and the average cost rises to $1,937, an increase of $229 each year. Now get one accident along with the one speeding ticket and the yearly cost of auto insurance for police officers goes up to an average of $2,572. That’s an increase of $863, or $72 per month, just for not keeping your driving record clean!
The information below shows how choosing a deductible can affect annual premium costs when researching cheap insurance for police officers. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could pocket $422 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, have the ability to save as much as $1,074 each year by choosing larger deductibles on their policy.
When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Tips to find low-cost car insurance for police officers
The list below summarizes some of the recommended money-saving ideas that can help Texas drivers get more affordable coverage.
- Staying accident-free helps keep rates low
- Increase physical damage deductibles
- Do not insure for full coverage
- Frequent claims may make car insurance unaffordable
- Avoid speeding and other traffic citations and pay less
- Check for cheaper rates once a year
That last idea is certainly valuable, as we emphasized in this piece. Prices can be adjusted at any time, so drivers shouldn’t be resistant to change insurance companies if you can find a cheaper rate. Sticking with a specific company is fine, but we do not recommend it if that stubbornness costs you a considerable chunk of change every month. Now is a great time to shop around to find cheaper insurance for police officers in Houston.
The Houston auto insurance agencies shown below can provide answers to your questions and help you determine which coverage meets your needs best, as many people would rather get some professional input when buying car insurance for law enforcement personnel. It can be hard to find the cheapest auto insurance company, so insurance agents can provide comfort knowing you have enough protection.
To find an agent close to where you live, click the button at the bottom of the list or click here to compare rates now.
- Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 - Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 - Champions Insurance Agency
15327 Gulf Fwy b – Houston, TX 77034 – (281) 484-4870