The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, in particular when comparison shopping for the best car insurance rates for government employees. Because of the high cost, let’s teach you some situations that influence auto insurance prices, and find a few ways to take the sting out of the next policy you buy.
The type of vehicle that needs insurance is one of the main factors that determines whether or not you can buy the best coverage for government employees. Vehicles with average performance, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models. The next list ranks insurance rates for some of the cheapest vehicles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,000 |
| Ford Explorer XLT AWD | $1,037 |
| Honda CR-V LX 4WD | $1,061 |
| Ford Escape XLT 2WD | $1,066 |
| Toyota RAV4 Limited 2WD | $1,094 |
| Chevrolet Malibu Hybrid | $1,104 |
| Jeep Grand Cherokee Laredo 4WD | $1,094 |
| Toyota Tacoma Double Cab 4WD | $1,115 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,150 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,172 |
| Toyota Prius | $1,180 |
| Ford F-150 XL Crew Cab 2WD | $1,190 |
| Ford Focus SE 4-Dr Sedan | $1,231 |
| Compare Rates Now Go | |
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rate information does not factor in specific location which can revise premium rates considerably.
Based on these rates, cars like the Hyundai Elantra, Ford Explorer, Honda CR-V, and Ford Escape will definitely be a few of the cheapest vehicles to insure for state and federal workers.
Establishing which companies offer the best insurance rates for government employees will take more time than just comparing a company or two. Each auto insurer has a different formula to determine premium rates, so we’ll take a look at the lowest cost insurance companies in Plano.
We do need to point out that Texas insurance rates are calculated based on many things that control your annual premium. Improving your credit rating, getting divorced, or getting caught speeding can trigger price changes that can now make some companies more affordable than others.
Find the Cheapest Auto Insurance in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,667 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
| Find Your Rate Go | ||
Travelers may offer some of the best car insurance rates in Plano at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the lowest-priced Plano, TX auto insurance companies.
As shown in the rates above, if you currently buy coverage from Germania Mutual and switched to USAA, you might realize an annual premium reduction of upwards of $116. Texas drivers with Esurance could save as much as $251 a year, and California Casualty policyholders might lower prices by up to $296 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote rates from the companies below.
Be aware that those prices are averaged across all drivers and vehicles and do not take into consideration an exact location for government employees. So the insurer that fits your age and vehicle best may not even be in the top 23 companies in the list above. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.
For state and federal workers, one of the more important components that help determine insurance cost is where you keep your vehicle in Plano. Areas with high crime rates or more dense population tend to pay slightly more, whereas more rural areas get the luxury of paying less.
The following table lists the most expensive areas in Texas for government employees to buy car insurance in. Plano shows up at #20 with an annual premium of $1,608 for car insurance, which is approximately $134 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,891 |
| 4 | Brownsville | $1,870 |
| 5 | Amarillo | $1,858 |
| 6 | Garland | $1,850 |
| 7 | Laredo | $1,833 |
| 8 | Pasadena | $1,812 |
| 9 | Mesquite | $1,753 |
| 10 | Grand Prairie | $1,740 |
| 11 | San Antonio | $1,739 |
| 12 | Irving | $1,736 |
| 13 | Arlington | $1,709 |
| 14 | Beaumont | $1,702 |
| 15 | Lubbock | $1,665 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,620 |
| 19 | Austin | $1,610 |
| 20 | Plano | $1,608 |
| Find the Best Rates Go | ||
Premium amounts are approximated as specific Plano garaging address can affect prices greatly.
Get discount Plano insurance rates
Insurance providers that sell policies for government employees may also provide rate discounts that could reduce prices by 35% or more if you qualify. Larger insurance companies and their possible discounts can be found below.
- Esurance may have discounts that include anti-lock brakes, multi-policy, good student, Switch & Save, and multi-car.
- The Hartford includes discounts for bundle, defensive driver, anti-theft, air bag, vehicle fuel type, and good student.
- AAA may offer discounts for good student, multi-policy, multi-car, anti-theft, education and occupation, and AAA membership discount.
- GEICO policyholders can earn discounts including military active duty, defensive driver, seat belt use, anti-theft, driver training, emergency military deployment, and membership and employees.
- State Farm offers premium reductions for multiple policy, accident-free, passive restraint, Drive Safe & Save, multiple autos, and good driver.
The example below illustrates the difference between insurance costs with and without some available policy discounts. The prices are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, marriage, passive restraint, defensive driving course, claim-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for government employees is 28% or $474.
Insuring your vehicle with the highest-rated car insurance company can be rather challenging considering how many different companies sell coverage in Texas. The information below could help you choose which car insurance companies you want to consider putting your business with. These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find low-cost insurance for government employees
The list below summarizes a few thrifty ideas that can help Plano drivers quote lower-cost car insurance.
- Good credit can help you save money
- Buy your homeowners policy from the same company as your auto insurance
- Do not pay for full coverage if not needed
- Safer vehicles cost less to insure
- Avoid accidents
- Comparison shop frequently
The last item on the list is remarkably crucial, as we pointed out in the prior information. Coverage rates fluctuate constantly, so don’t be unwilling to switch carriers if you can find a cheaper rate. Having brand loyalty is commendable, but is isn’t recommended if that faithfulness ends up costing you lots of money. In just a couple of minutes you could shop around to find cheaper insurance for government employees in Plano.
The insurance agencies listed below are willing to provide answers to your questions and help you determine which auto insurance policy fits you best, as lots of drivers aren’t clear which coverage they need and would like to have some professional guidance when buying car insurance for state and federal workers. It can be complicated to find the best coverage on your own, and insurance agents licensed in the state of Texas can give you comfort knowing you have suitable coverage if you have an accident.
To find a Plano insurance agent by location nearest to you, click the button at the bottom of the list or click here to compare rates now.
- Allstate Insurance: John Clements
2500 Dallas Pkwy Ste 150 – Plano, TX 75093 – (972) 312-1800 - Burl Wood – State Farm Insurance Agent
3608 Preston Rd #200 – Plano, TX 75093 – (972) 867-0090 - Guest Insurance Agency
903 18th St Ste 124 – Plano, TX 75074 – (972) 424-4209 - Mike Warren – State Farm Insurance Agent
2100 Dallas Pkwy #110 – Plano, TX 75093 – (972) 403-1060 - Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551