Who Has Affordable Car Insurance Rates for Police Officers in Austin?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, in particular when shopping around for the best insurance rates for police officers. Because it’s so expensive, let’s start the ball rolling by going over a few of the factors that influence auto insurance rates, and find some ways to take the bite out of your next policy.

One of the more important things that are looked at to help calculate the amount you pay for auto insurance is where you call home in Austin. Regions with larger populations or more claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.

The next table sorts the highest-priced places in Texas for police officers to purchase car insurance in. Austin ranks #15 having an annual price of $1,659 for car insurance, which is about $138 each month.

How much does auto insurance cost in Austin?
Rank City Average Per Year
1 McAllen $1,956
2 Dallas $1,911
3 Laredo $1,907
4 Houston $1,853
5 Brownsville $1,851
6 Pasadena $1,812
7 Mesquite $1,807
8 Amarillo $1,804
9 Garland $1,778
10 Beaumont $1,754
11 Grand Prairie $1,740
12 Irving $1,736
13 Lubbock $1,733
14 San Antonio $1,722
15 Austin $1,659
16 Arlington $1,642
17 El Paso $1,632
18 Carrollton $1,615
19 Fort Worth $1,604
20 Corpus Christi $1,572
21 McKinney $1,561
22 Abilene $1,561
23 Plano $1,560
24 Waco $1,522
25 Killeen $1,488
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Table data uses estimated as the garaging address in Austin can influence price quotes considerably.

The make and model of vehicle you are buying coverage for is probably the largest consideration when looking for low-cost car insurance for police officers. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than safer models. The table below outlines car insurance premiums for a handful of the most affordable vehicles to insure.

Cheapest Vehicles to Insure in Austin, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $940
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,032
Ford Escape XLS 4WD $1,062
Honda CR-V LX 2WD $1,070
Honda Odyssey EX W/Rear Entertainment $1,091
Volkswagen Jetta LE 4-Dr Sedan $1,113
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,135
Ford Explorer Eddie Bauer 2WD $1,150
Toyota Prius $1,176
Dodge Grand Caravan CV $1,196
Toyota RAV4 2WD $1,218
Ford Edge Limited 2WD $1,229
Chevrolet Equinox LS 2WD $1,255
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can affect rates considerably.

Looking at the numbers, we can presume that makes and models like the Honda Accord, Jeep Wrangler, and Ford Escape are some of the most budget-friendly vehicles to insure for law enforcement personnel.

Finding good, low-priced car insurance is not the easiest thing to do, and deciding which companies quote the lowest-priced insurance rates for police officers will take even more work. Each insurance company has their own formula for filing rates in each state, so let’s begin by taking a look at the insurance companies with the overall best prices in Texas.

It’s important that readers know that Austin insurance rates are determined by lots of factors that may substantially change the cost of coverage. Simply improving your credit score, moving across town, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper in comparison to the competition.

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Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,095
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,775
14 GEICO $2,072
15 Home State $2,155
16 MetLife $2,161
17 Encompass $2,232
18 Unitrin $2,310
19 21st Century $2,421
20 Titan $2,594
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Travelers may have some of the best car insurance rates in Austin at around $1,052 a 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 Austin, TX insurance companies.

In the rate table above, if you are insured with Germania Mutual and switched to Travelers, you could earn an annual savings of in the vicinity of $242. Policyholders with Esurance may save as much as $369 a year, and California Casualty insureds might reduce rates by $372 a year.

To get a quick, customized rate comparison, click here to start your custom quote or feel free to get quotes from the companies below.

Be aware that those policy prices are averages for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for police officers. So the auto insurance company that is best suited for you may not even be in the top 23 companies shown above. That point stresses why you need to get rate quotes from many companies using your own individual information.

Get discounts on Austin car insurance rates

Insurance for law enforcement personnel in Austin, TXInsurers that offer quotes for police officers may also offer rate discounts that could lower prices by as much as 25% or more if you are eligible. Companies and their offered discounts include:

The chart below compares insurance premiums with and without discounts applied to the policy rates. Data assumes a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, accident-free, claim-free, safe-driver, defensive driving course, and homeowner discounts applied. When discounts are factored in, the average amount saved each year on insurance for police officers is 28% or $706.

Finding the right auto insurance provider can be rather challenging considering how many choices there are in Texas. The company rank data in the lists below can help you analyze which auto insurers you want to consider when shopping insurance around for police officers.

The ratings below are for companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for this list. To get price quotes from these and other top-rated companies, just click here.

Top 10 Large Auto Insurance Companies Overall in Austin

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Large Auto Insurance Companies in Austin Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

How careless driving impacts Austin insurance rates

In a perfect world, the best way to score low insurance prices for law enforcement personnel is to be a good driver and avoid accidents and traffic citations. The information below demonstrates how traffic citations and at-fault claims can drive up auto insurance costs for different insured age categories. The prices are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

In the previous chart, the average cost of auto insurance per year with no accidents or violations is $1,874. Get written up for one speeding ticket and the average cost rises to $2,180, an increase of $305 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for police officers jumps again to an average of $4,659. That’s an increase of $2,785, or $232 per month, just for being a little careless behind the wheel!

Your cheap policy may actually be overpriced

Texas insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Turning one year older, buying higher coverage limits, or getting a ticket for careless driving can trigger price changes resulting in some rates now being more affordable than competitors. Not only may your risk profile change, but insurance companies change rates as often as every three months in order to maintain liquidity for claims. Significantly higher claims can cause more expensive prices, while a better claims history can cause lower-priced Austin car insurance rates.

To illustrate this point, the graph below shows rates for the cheapest car insurance in Austin, TX for a 35-year-old female driver with a clean driving record, no accidents, and a decent credit rating. If we compare prices based on her current risk profile, Travelers might quote the cheapest car insurance rates in Austin at $1,138 each year. This is $766 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the cheapest Austin, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison a chargeable claim, poor credit, and a stop sign violation. Due to the fact that each insurance company has their own process to set their prices, comparing prices may now result in a new list of cheap Austin auto insurance companies as shown below.

State Farm now has the cheapest auto insurance in Austin, TX with USAA, Mercury, Safe Auto, and Nationwide now rounding out the top five. This example proves why Texas drivers need to take the time to shop around when trying to find the best car insurance rates for police officers.

Insurance rates are calculated by many risk factors and change dramatically, so the lowest-price company when you last compared rates may now be costing you a lot of money.