Who Has the Cheapest Austin Car Insurance for Nurses?

Shopping around for budget insurance is not the easiest thing to accomplish, and deciding which companies offer the cheapest insurance rates for nurses involves even more diligence. Each auto insurance company has a unique formula to determine premium rates, so let’s take a look at the insurance companies that tend to be cheaper in Austin.

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,585
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,775
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,249
17 Unitrin $2,264
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,594
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Travelers generally has some of the lowest car insurance rates in Austin at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the best Austin, TX car insurance companies.

As the example above demonstrates, if you are a customer of USAA and switched to Travelers, you may realize savings of about $74. Insureds with Texas Farm Bureau might save as much as $225 a year, and Germania Mutual customers might cut rates by $272 a year.

To find cheaper insurance rates for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.

These policy rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for nurses. So the auto insurance company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.

The vehicle model to be insured is probably the largest consideration when looking for cheap coverage for nurses. Vehicles with limited top-end speed, good safety features, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models. The information below ranks auto insurance costs for a handful of the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Austin, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Jeep Wrangler Rubicon 4WD 2-Dr $1,001
Toyota RAV4 Limited 4WD $1,057
GMC Sierra SLE Regular Cab 2WD $1,062
Toyota Camry LE $1,057
Honda CR-V EX 2WD $1,095
Honda Accord LX 4-Dr Sedan $1,105
Ford Escape XLT 4WD $1,121
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,130
Toyota Prius $1,132
Kia Optima LX $1,134
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,170
Nissan Rogue SL AWD $1,188
Ford Fusion Sport AWD 4-Dr Sedan $1,205
Chevrolet Silverado LT Crew Cab 2WD $1,207
Toyota Camry Hybrid $1,213
Chevrolet Equinox LS 2WD $1,211
Chevrolet Malibu Hybrid $1,220
Dodge Grand Caravan SE $1,224
Toyota Tacoma 4WD $1,230
Ford Explorer XLT 4WD $1,224
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific zip code location which can impact auto insurance rates considerably.

Based upon the rates shown, models like the Jeep Wrangler, Toyota RAV4, GMC Sierra, and Toyota Camry will be a few of the less-costly vehicles to insure for health professionals.

Full coverage rates compared to liability only

Reducing the cost of insurance is probably important to most vehicle owners, and one common way to buy cheaper insurance for nurses is to only buy liability coverage. The chart below compares insurance costs with full coverage compared to only the Texas minimum liability coverage. The rates are based on a clean driving record, no claims, $500 deductibles, single marital status, and no discounts are applied.

If the expense is averaged for all age categories, physical damage coverage on your policy costs $2,393 per year over and above liability coverage. Many drivers may wonder if buying full coverage is a waste of money. There isn’t a steadfast formula for dropping physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

The diagram below illustrates how choosing a deductible can affect insurance costs when quoting cheap insurance for nurses. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied.

The data above shows that a 50-year-old driver could reduce rates by $352 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $528 by using a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could shave up to $870 or even more by choosing a higher deductible. If you make the decision to raise deductibles, it will be important to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Last year’s bargain might be this year’s rip off

Austin, TX insurance rates are impacted by many things that may substantially change the price you pay. Simply getting older, moving to a new city, or having a fender bender can produce rate changes that can cause some rates to be affordable when they were higher priced.

In addition, insurers amend premium rates at least once a year to adjust for gains or losses. Larger than normal claims can result in more expensive prices, while a better loss history can cause cheaper Austin car insurance rates.

To illustrate this point, the bar chart below shows the cheapest car insurance in Austin, TX for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit history. Based on her personal profile, Travelers has the most affordable car insurance rates in Austin at $1,083 annually. This is $821 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining cheapest Austin, TX auto insurance companies.

In this next rate comparison, we will give the driver from the above example a claim surcharge, a little lower credit rating, and a speeding ticket. Since each auto insurer has a unique approach for filing rates in each state, comparing quotes may result in a completely different list of cheap Austin auto insurance companies as shown below.

State Farm now has the lowest price on auto insurance in Austin with Mercury, Safe Auto, Nationwide, and USAA completing the list. This example proves why drivers need to do a thorough rate comparison when trying to find affordable auto insurance quotes for nurses. Car insurance prices are made up of many risk factors and change frequently, so the cheapest company the last time you checked may now be one of the more expensive options.

How to find budget-friendly auto insurance for nurses

It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help Austin drivers locate lower-cost auto insurance.

The last suggestion is certainly important, as we stressed in this article. Rates adjust often, so drivers shouldn’t be reluctant to change insurance companies if a lower-cost policy is available. Loyalty to a specific company is fine, but it’s not a great idea if that loyalty ends up costing a small fortune year after year. Now is a great time to compare prices and find cheaper auto insurance for nurses in Austin.

If you prefer to get some professional input when trying to find lower insurance rates for nurses, the agents listed below can help you determine which policy fits your needs best.

To locate an Austin car insurance agency close to where you live, click the button following the list.

Ed Weeren Insurance Agency
300 E Highland Mall Blvd #208Austin, TX 78752(512) 454-5266

Nancy Callahan – State Farm Insurance Agent
3500 Jefferson St #313Austin, TX 78731(512) 451-7573

Richard Munoz – State Farm Insurance Agent
5446 W US Hwy 290 Service Rd #104Austin, TX 78735(512) 892-3527

More insurance agents in Austin, TX