Who Has the Cheapest Auto Insurance for Welfare Recipients in Austin?

The vehicle needing coverage is one of the largest considerations that determines whether or not you can buy economical coverage for welfare recipients. Vehicles with high performance, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The next list showcases car insurance prices for some of the most affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Austin, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $998
Ford Escape Limited 2WD $1,020
Honda Accord EX 4-Dr Sedan $1,095
Jeep Wrangler Sport 4WD 2-Dr $1,180
Jeep Grand Cherokee Laredo 4WD $1,185
Ford Explorer Limited 4WD $1,207
Chevrolet Malibu LT $1,212
Ford F-150 STX Regular Cab 4WD $1,223
Hyundai Elantra Blue 4-Dr Sedan $1,225
Ford Edge SE 2WD $1,243
Chevrolet Impala LTZ $1,248
Honda Odyssey EX-L W/Rear Entertainment $1,258
Toyota Prius $1,250
GMC Sierra SLE Regular Cab 4WD $1,270
GMC Sierra 3500HD SLT Extended Cab 2WD $1,293
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.

Looking at the data, we can expect cars like the Honda CR-V, Ford Escape, and Honda Accord will be the more affordable vehicles to insure for drivers on welfare.

Comparing quotes for low-cost car insurance is not the easiest thing to do, and deciding which companies have the best auto insurance rates for welfare recipients will involve more quotes for comparison. Each insurer has their own process for establishing rates, so first we will examine the auto insurance companies that tend to be cheaper in Texas.

It’s important to know that Austin auto insurance rates are calculated based on many things that control your annual premium. Improving your credit rating, getting divorced, or having an at-fault accident can trigger changes in premium that can make some companies cheaper than before.

Find the Cheapest Car Insurance in Texas

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Travelers normally has some of the lowest car insurance rates in Austin at around $1,010 annually. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Austin, TX auto insurance companies.

In the above example, if you buy coverage from Texas Farm Bureau and switched to Travelers, you may realize a yearly savings of in the neighborhood of $201. Policyholders with Germania Mutual may save as much as $234 a year, and Esurance customers might lower prices by up to $355 a year.

Bear in mind that those policy prices are averages for all drivers and vehicles and are not factoring in an exact location for welfare recipients. So the insurer that is best suited for you may not even be in the list above. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

For drivers on welfare, one of the largest criteria that are used to help calculate auto insurance rates is where you keep your vehicle in Austin. More populated areas tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from lower rates.

The table below rates the most expensive places in Texas for welfare recipients to buy an auto insurance policy in. Austin is ranked at #16 with the annual price of $1,659 for the average policyholder, which is approximately $138 monthly.

How much does auto insurance cost in Austin?
Rank City Annual Rate
1 McAllen $2,016
2 Laredo $1,907
3 Houston $1,891
4 Brownsville $1,870
5 Amarillo $1,858
6 Dallas $1,855
7 Garland $1,850
8 Grand Prairie $1,811
9 Pasadena $1,758
10 Beaumont $1,754
11 Mesquite $1,753
12 Irving $1,736
13 Lubbock $1,733
14 Arlington $1,692
15 San Antonio $1,671
16 Austin $1,659
17 Fort Worth $1,653
18 Carrollton $1,647
19 Plano $1,624
20 Corpus Christi $1,620
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Rates are comparative as vehicle location can change coverage prices noticeably.

Rate comparison of full coverage and liability-only

Buying cheaper auto insurance should be important to most people, and one of the easiest ways to pay less for insurance for welfare recipients is to not insure for full coverage. The diagram below illustrates the difference between yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The information is based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied to the premium.

Averaged for all ages 20 through 70, full coverage on your policy costs an additional $2,922 per year over liability only. A very common question is if it’s a good idea to buy full coverage. There is no written rule for phasing out full coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Accidents and violations increase rates

In a perfect world, the ideal way to find the cheapest auto insurance rates in Austin for drivers on welfare is to be a cautious driver and have a clean driving record. The information below highlights how traffic violations and at-fault claims can increase insurance costs for each age group. The costs are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of auto insurance in Texas per year with no accidents or violations is $2,000. Get two speeding tickets and the average cost swells to $2,648, an increase of $648 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of auto insurance for welfare recipients goes up to an average of $5,041. That’s an increase of $3,042, or $253 per month, just for not paying attention while driving!

Ending up with the best car insurance company can be challenging considering how many choices there are in Austin. The ranking information shown below could help you select which companies to look at when shopping insurance around for welfare recipients. The ratings below include companies who write in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not included in this list.

Top 10 Large Auto Insurance Companies in Austin Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

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 to find budget-friendly insurance for welfare recipients

The list below details some of the recommended money-saving solutions that can help Austin drivers quote lower-cost auto insurance.

The last suggestion is certainly important, as we stressed in this piece. Auto insurance prices can be changed at any time, so don’t be tentative to switch companies if a cheaper price is available. Having a favorite company is great, but is isn’t recommended if that faithfulness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare prices to find cheaper car insurance for welfare recipients in Austin.