Who Has Cheap Austin Auto Insurance for Postal Workers?

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.

How much is auto insurance in Austin, TX?
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.

Cheapest Insurance Rates for USPS Employees

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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.

Cheapest Vehicles to Insure in Austin, TX
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

Save on insurance for postal employees in AustinCar 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.

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.

Austin, TX Insurance Company Rankings
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
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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 #105Austin, TX 78759(512) 524-8808

Southwest Insurance Center
3105 W Slaughter LnAustin, TX 78748(512) 280-6100

E-Z Insurance – South
4011 S 1st StAustin, TX 78745(512) 443-9700

Watkins Insurance Group
3834 Spicewood Springs RdAustin, TX 78759(512) 452-8877

State Farm: Dick Clay
3006 Bee Cave Rd Suite B170Austin, 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.

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.