One of the more important things that determine the annual cost of car insurance is where you normally keep your vehicle. Cities with more crime and/or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The following table shows the most expensive places in Texas for handicapped drivers to buy car insurance in. Austin is ranked #22 with an annual rate of $1,610 for the average policyholder, which is around $134 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,853 |
| 4 | Brownsville | $1,851 |
| 5 | Laredo | $1,851 |
| 6 | Mesquite | $1,807 |
| 7 | Garland | $1,796 |
| 8 | Irving | $1,789 |
| 9 | Amarillo | $1,786 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Grand Prairie | $1,757 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,671 |
| 15 | Arlington | $1,658 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | El Paso | $1,632 |
| 20 | McKinney | $1,625 |
| 21 | Plano | $1,624 |
| 22 | Austin | $1,610 |
| 23 | Waco | $1,584 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,518 |
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Annual rates are approximated as the specific area where the vehicle is garaged can revise price quotes considerably.
Finding good, low-priced auto insurance is difficult, and figuring out which companies quote the cheapest auto insurance rates for handicapped drivers will take even more shopping around. Each auto insurance company uses their own calculation for determining rates, so let’s begin by examining the auto insurance companies with the overall best prices in Texas.
Find Cheaper Car Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
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Travelers normally has some of the most affordable car insurance rates in Austin at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Austin, TX insurance companies.
In this example, if you have coverage with USAA and switched to Travelers, you could realize a yearly savings of in the neighborhood of $76. Customers with Texas Farm Bureau could save as much as $194 a year, and Germania Mutual customers might see rate reductions of $241 a year.
Remember that these policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in a vehicle location for handicapped drivers. So the auto insurance company that can offer you the lowest price may not even be in the top 23 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.
How careless driving impacts auto insurance rates
The ideal way to maintain the most affordable auto insurance prices in Texas for drivers with handicaps is to drive cautiously and avoid at-fault accidents and violations. The chart below demonstrates how citations and at-fault claims increase insurance costs for different age groups. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,542. Get one speeding ticket and the average cost increases to $1,795, an increase of $253 each year. Then add one accident along with the one speeding ticket and the annual cost of auto insurance for handicapped drivers increases to an average of $2,501. That’s an increase of $959, or $80 per month, just for not driving responsibly!
Choosing a high-quality insurance provider can be rather challenging considering how many choices drivers have in Texas. The ranking data shown below can help you choose which auto insurance companies to look at purchasing a policy from. The rankings below only include companies with a national presence, so smaller companies that only insure vehicles in Texas are not included in these 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 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The importance of shopping around
Austin auto insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Simply having a birthday, buying a different vehicle, or having an accident can trigger changes in premium resulting in some companies being cheaper than competitors. In addition, insurance companies modify rates multiple times each year to reflect underwriting profits or losses. Higher than normal claims can cause additional premium costs, while a better claims history can result in cheaper Austin car insurance rates.
To illustrate this point, the bar chart below shows rates for the cheapest car insurance in Austin, TX for a 45-year-old male driver with no prior claims, no tickets, and solid credit. When quoting prices based on his current risk factors, Travelers may have the best car insurance rates in Austin at $1,094 annually. This is $810 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Austin, TX auto insurance companies.
The next chart shows rates after we give the driver from above a chargeable claim, a little lower credit rating, and a few traffic violations. Since each company has their own process for determining prices, getting updated rate quotes most likely will result in a different list of companies as shown below.
Mercury now has the cheapest rate in Austin, TX with State Farm, Nationwide, Safe Auto, and USAA also having competitive pricing. This demonstrates why Texas drivers need to spend some time comparing rates when trying to get the most economical insurance rates for handicapped drivers.
Car insurance prices are determined by many factors and can change without notice, so the most economical company three years ago may now be priced much higher than other options.