Who Has Cheap Austin Auto Insurance for Teachers?

The words “economical” and “insurance” really should not be used together, in particular when shopping around for the cheapest auto insurance for teachers. To save some money, let’s go over some of the things that can significantly affect auto insurance rates, and come up with some ways to lower the cost of your next policy.

For teachers and educators, one of the more important considerations that are looked at to determine car insurance rates is where you live in Austin. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The illustration below rates the most expensive places in Texas for teachers to buy an auto insurance policy in. Austin shows up at #17 with an annual premium of $1,627 for the average insurance policy, which is about $136 monthly.

How much is car insurance in Austin?
Rank City Average Per Year
1 McAllen $2,016
2 Brownsville $1,927
3 Houston $1,891
4 Amarillo $1,858
5 Laredo $1,851
6 Dallas $1,837
7 Mesquite $1,807
8 Grand Prairie $1,793
9 Garland $1,778
10 Pasadena $1,758
11 Beaumont $1,754
12 Irving $1,736
13 Arlington $1,692
14 San Antonio $1,688
15 Lubbock $1,665
16 Corpus Christi $1,636
17 Austin $1,627
18 Plano $1,624
19 Carrollton $1,615
20 Fort Worth $1,604
21 McKinney $1,577
22 Waco $1,569
23 El Paso $1,568
24 Killeen $1,518
25 Abilene $1,515
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Premium amounts are estimated as specific Austin zip code can modify coverage rates significantly.

The vehicle driven is one of the largest considerations when comparing the best cheap coverage for teachers. Vehicles with economical engines, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The information below shows insurance prices for a number of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Austin, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $885
Honda Accord EX 4-Dr Sedan $890
Ford Edge SE 2WD $972
Ford Explorer XLT 2WD $993
Ford Escape Limited 2WD $1,027
Chevrolet Malibu LS $1,051
Chevrolet Equinox LT AWD $1,057
Honda Odyssey LX $1,063
Dodge Grand Caravan Crew $1,070
Toyota Prius $1,080
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,102
Toyota Corolla LE $1,106
Ford Fusion Sport 4-Dr Sedan $1,125
Volkswagen Jetta SE 4-Dr Sedan $1,133
Nissan Rogue SL 2WD $1,125
Dodge Ram Crew Cab ST 2WD $1,144
Jeep Grand Cherokee Laredo 4WD $1,150
Chevrolet Impala LT $1,184
Toyota Camry LE $1,191
Toyota RAV4 Sport 4WD $1,184
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Prices above based on 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, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific Austin, TX garaging location which can alter auto insurance rates noticeably.

By looking at the data, we can tell that makes and models like the Honda CR-V, Honda Accord, Ford Edge, Ford Explorer, and Ford Escape are going to be the most budget-friendly vehicles to insure for teachers and educators.

Finding reliable, budget auto insurance is challenging, and finding out which company offers the lowest-priced auto insurance rates for teachers involves a bit more work. Each insurer has a proprietary formula to set premium rates, so let’s take a look at the lowest cost auto insurance companies in Texas.

It’s important that you understand Austin, TX auto insurance rates are determined by lots of factors which can substantially change the price you have to pay. Turning one year older, buying a newer car, or getting caught speeding can trigger changes in premium that can now make some companies more expensive than others.

Cheap Insurance Rates for Educators

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,256
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,597
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,723
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,594
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Travelers has some of the cheapest car insurance rates in Austin at around $1,021 each year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the lowest-priced Austin, TX car insurance companies.

In this example, if you are insured with Germania Mutual and switched to USAA, you may realize an annual premium reduction of about $139. Customers with Esurance may save as much as $248 a year, and California Casualty customers might lower prices by $307 a year.

These premiums are averaged across all drivers and vehicles in Texas and and are not figured with an exact location for teachers. So the car insurance company that fits you best may not even be in the list above. That point stresses why you need to get car insurance quotes using your own driver and vehicle profiles.

Bad driving habits will cost you more

The recommended way to earn the most affordable auto insurance premiums for teachers and educators is to be an attentive driver and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and at-fault fender-benders influence yearly insurance costs for each age group. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

In the prior example, the average cost of a car insurance policy in Austin per year with no violations or accidents is $1,708. Get written up for one speeding ticket and the average cost hikes up to $1,961, an increase of $253 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for teachers jumps again to an average of $2,667. That’s an increase of $959, or $80 per month, just for not being more responsible behind the wheel!

Rate comparison of full coverage and liability-only

Finding the cheapest auto insurance is the goal of most vehicle owners, and one great way to find cheap insurance for teachers is to not insure for full coverage. The diagram below illustrates the difference between car insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $1,793 per year more than insuring for liability only. At some point, almost every driver questions if you should buy full coverage. There is no clear-cut rule that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If you are paying over $500 annually for full coverage, then you might consider buying liability only.

Choosing the best auto insurance provider can be rather challenging considering how many companies there are to choose from in Texas. The ranking information shown below could help you choose which car insurance companies to look at when trying to find the cheapest insurance for teachers. These ratings include the largest auto insurers in America, so companies without a large exposure are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Austin Ranked by Customer Service

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

Top 10 Large Car Insurance Companies in Austin Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance