The vehicle to be insured is one of the largest factors that determines if you can find the lowest-priced insurance for active military. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.
The next list shows auto insurance rates for a selection of the most budget-friendly vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $841 |
| Hyundai Elantra GLS Touring Station Wagon | $848 |
| Dodge Grand Caravan SE | $942 |
| Chevrolet Malibu Hybrid | $994 |
| Chevrolet Equinox LT AWD | $1,001 |
| Ford Focus SES 4-Dr Sedan | $1,026 |
| Ford Escape Limited 2WD | $1,055 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,057 |
| Jeep Grand Cherokee SRT-8 4WD | $1,065 |
| GMC Sierra SLE Regular Cab 4WD | $1,070 |
| Toyota Prius | $1,065 |
| Honda Odyssey Touring | $1,074 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,065 |
| Dodge Ram Crew Cab ST 2WD | $1,086 |
| Ford Edge SE 2WD | $1,130 |
| Toyota RAV4 2WD | $1,140 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,155 |
| Ford F-150 STX Regular Cab 4WD | $1,165 |
| Honda Civic DX 2-Dr Coupe | $1,167 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,188 |
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Plano, TX garaging location which can decrease or increase insurance rates significantly.
Looking at the rates, we can expect vehicles like the Honda CR-V, Hyundai Elantra, and Dodge Grand Caravan will be some of the most affordable vehicles to insure for military personnel.
Comparing quotes for affordable insurance is confusing at best, and determining which company has the cheapest auto insurance rates for active military takes even more diligence. Each auto insurance company uses their own formula for establishing rates, so let’s take a look at the most affordable auto insurance companies in Texas.
Best Car Insurance Prices for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| Find Cheaper Rates Go | ||
Travelers may have some of the cheapest car insurance rates in Plano at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the best Plano, TX car insurance companies.
As the rates illustrate above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you might achieve an annual savings of roughly $190. Texas drivers with Germania Mutual might save as much as $235 a year, and California Casualty insureds might realize rate reductions of up to $361 a year.
It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for active military. So the car insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get rate quotes using your own driver data and vehicle information.
The diagram below highlights how deductible selection can influence annual premium costs when getting quotes for cheap insurance for active military. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could save $352 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $528 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could potentially save as much as $870 annually just by using higher deductibles. If you do raise deductibles, it will be important to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Discounts on Plano car insurance
Insurance providers that provide coverage for active military may also offer special discounts that may potentially lower prices by as much as 25% or more if you meet eligibility requirements. A few of the larger companies and some of the discounts are:
- Esurance may offer discounts for defensive driver, online shopper, homeowner, anti-theft, claim free, renters, and multi-car.
- The Hartford includes discounts for vehicle fuel type, air bag, anti-theft, defensive driver, and driver training.
- AAA has discounts for pay-in-full, education and occupation, anti-theft, good driver, multi-policy, multi-car, and AAA membership discount.
- GEICO offers discounts for emergency military deployment, daytime running lights, multi-vehicle, multi-policy, membership and employees, and defensive driver.
- State Farm has savings for driver’s education, defensive driving training, accident-free, multiple policy, Drive Safe & Save, and passive restraint.
The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the rates. The data is based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, anti-theft, homeowner, vehicle safety, passive restraint, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for active military is 28% or $717.
How to find cheaper insurance for active military
The list below shows many penny-pinching suggestions that can help Plano drivers find lower-cost auto insurance.
- Full coverage may not be needed on older vehicles
- Ensure your driving record is clean
- Raise deductibles
- Drive vehicles with five-star safety ratings
- Drive attentively and avoid accidents
- Maintaining good credit helps earn cheaper rates
- Compare price quotes at least once a year
The last suggestion is especially necessary, as we noted in this write-up. Coverage prices in Plano can change in a short period of time, so don’t be tentative to buy a different policy if you find a better deal.
Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty ends up costing money that could be used for better things. It only takes a couple minutes to shop around to find cheaper car insurance for active military.
The Plano, TX, insurance agents below are willing to help you make a decision which is the best policy, as many consumers aren’t sure which coverage to buy and prefer to get help from a professional when shopping for cheaper insurance for active military. It can be complicated to find the cheapest rates, so professional agents can bring satisfaction knowing you have sufficient coverage at claim time. To locate a Plano auto insurance agent close to where you live, click the button following the list.
Tamara Murphy – State Farm Insurance Agent
4504 Legacy Dr #200 – Plano, TX 75024 – (972) 943-9555
Mike Warren – State Farm Insurance Agent
2100 Dallas Pkwy #110 – Plano, TX 75093 – (972) 403-1060
Ann Dunham – State Farm Insurance Agent
2301 W Parker Rd #1 – Plano, TX 75023 – (972) 596-4809
Korina Hernandez – State Farm Insurance Agent
2301 N Central Expy #260 – Plano, TX 75075 – (972) 423-7667