Cheapest Car Insurance Quotes for Hybrid Vehicles in Texas
The words “low-priced” and “auto insurance” really don’t belong together, in particular when shopping around for the cheapest coverage for hybrid vehicles. To help control this cost, let’s take a look at a few of the factors that have a considerable impact on auto insurance premiums, and come up with some ideas to shave a little off your next policy.
One of the key things that influence a rate quote is where your car is garaged in Texas. Areas with a lot of weather claims or more people like McAllen, Brownsville, and Laredo tend to have higher auto insurance costs, whereas less populated areas have the benefit of the cheapest car insurance for hybrid vehicles in Texas.
The illustration below lists the highest-priced places in Texas for hybrid vehicles to buy car insurance in.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Houston | $1,891 |
| 3 | Brownsville | $1,870 |
| 4 | Dallas | $1,855 |
| 5 | Laredo | $1,833 |
| 6 | Pasadena | $1,812 |
| 7 | Amarillo | $1,804 |
| 8 | Garland | $1,778 |
| 9 | Mesquite | $1,771 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,736 |
| 12 | San Antonio | $1,722 |
| 13 | Beaumont | $1,702 |
| 14 | Arlington | $1,692 |
| 15 | Fort Worth | $1,670 |
| 16 | Lubbock | $1,665 |
| 17 | Corpus Christi | $1,636 |
| 18 | Plano | $1,624 |
| 19 | Carrollton | $1,615 |
| 20 | Austin | $1,610 |
| 21 | Waco | $1,584 |
| 22 | El Paso | $1,584 |
| 23 | McKinney | $1,561 |
| 24 | Abilene | $1,499 |
| 25 | Killeen | $1,473 |
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Premium amounts are approximated as zip code location can change price quotes substantially.
The vehicle you are insuring is probably the most important factor when trying to find the best cheap car insurance for hybrid vehicles. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The next tables features car insurance prices for some of the most budget-friendly vehicles to insure in Texas.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Malibu LTZ | $1,088 | $544 | $91 |
| Ford Focus SES 2-Dr Coupe | $1,134 | $567 | $95 |
| Honda Accord EX 2-Dr Coupe | $1,134 | $567 | $95 |
| Honda Civic DX 4-Dr Sedan | $988 | $494 | $82 |
| Kia Optima LX | $1,080 | $540 | $90 |
| Toyota Camry SE | $1,064 | $532 | $89 |
| Toyota Corolla XLE | $1,064 | $532 | $89 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,088 | $544 | $91 |
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in zip code location which can decrease or increase coverage rates considerably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Buick Enclave XL 2WD | $1,088 | $544 | $91 |
| Cadillac Escalade Hybrid 4WD | $1,390 | $695 | $116 |
| Chevrolet Suburban LT 4WD | $1,034 | $517 | $86 |
| Chevrolet Traverse LS AWD | $900 | $450 | $75 |
| Ford Escape XLS 2WD | $854 | $427 | $71 |
| Ford Explorer XLT 4WD | $956 | $478 | $80 |
| GMC Acadia SLT AWD | $1,034 | $517 | $86 |
| Honda CR-V EX-L 4WD | $876 | $438 | $73 |
| Honda Pilot EX-L 2WD | $1,034 | $517 | $86 |
| Jeep Grand Cherokee Limited 4WD | $1,088 | $544 | $91 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,032 | $516 | $86 |
| Subaru Forester XT Limited Edition W/Navigation AWD | $1,030 | $515 | $86 |
| Toyota Highlander Hybrid 4WD | $1,110 | $555 | $93 |
| Toyota RAV4 4WD | $1,010 | $505 | $84 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in vehicle location which can alter premiums substantially.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 2WD | $988 | $494 | $82 |
| Chevrolet Silverado 2500HD LT Crew Cab 2WD | $1,212 | $606 | $101 |
| Chevrolet Silverado 3500HD LT Extended Cab 4WD | $1,296 | $648 | $108 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,088 | $544 | $91 |
| Dodge Ram Quad Cab TRX4 Off Road 4WD | $1,180 | $590 | $98 |
| Ford F-150 STX Regular Cab 2WD | $934 | $467 | $78 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,142 | $571 | $95 |
| GMC Sierra SL Crew Cab 4WD | $1,088 | $544 | $91 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,034 | $517 | $86 |
| Toyota Tundra SR/5 Double Cab 4WD | $1,104 | $552 | $92 |
| Get a Custom Quote for Your Truck Go | |||
Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific location which can influence auto insurance rates noticeably.
Comparing quotes for reasonably-priced car insurance is not the easiest thing to do, and determining which companies have the lowest-priced auto insurance rates for hybrid vehicles takes even more shopping around. Each insurer has their own formula for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in Texas.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
| View More Rates Go | ||
Travelers quotes some of the lowest car insurance rates in Texas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Texas auto insurance companies.
As depicted above, if you have coverage with USAA and switched to Travelers, you may see yearly savings of roughly $63. Texas drivers with Texas Farm Bureau may save as much as $190 a year, and Germania Mutual policyholders might lower prices by up to $223 a year.
To see if you’re overpaying, click here to get quotes or visit any of the companies below.
Understand that those policy rates are averages across all ages of drivers and types of vehicles and are not factoring in a price discount for hybrid vehicles. So the car insurance company that can offer the best rates for your situation may not even be shown in the above list. That helps illustrate why you need to get auto insurance quotes using your own specific driver information and vehicle.
The chart below illustrates how choosing a deductible can influence insurance premiums when searching for cheap insurance for hybrid vehicles. The data assumes a single female driver, full coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could lower rates by $408 a year by increasing from a $100 deductible to a $500 deductible, or save $612 by switching to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could reduce their rates as much as $1,048 each year by choosing larger deductibles on their policy.
When choosing a higher deductible, it’s a good idea to have spare funds to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Cheap insurance quotes for hybrids
There are many different ways to comparison shop for auto insurance in Texas, but the three most common methods are from an exclusive insurance agency like Allstate or State Farm, a non-exclusive or independent agent, or direct online or over the phone from a company like Progressive or Geico.
They all follow the same basic process, but each is slightly different in how they function.
Independent insurance agents work for many companies and can provide price quotes from each one. Agents of this type can provide you with more rates, which can give you improved odds of finding cheaper coverage. If they find a cheaper price, they can switch companies in-house which prevents you from having to find a new agency.
An exclusive agent is able to place business with just one company like Allstate and Liberty Mutual agents. These agents are not able to provide multiple price quotes, which necessitates shopping around.
Drivers who opt to buy auto insurance direct do not use an exlusive or independent agent and instead buy from a direct company like Esurance. This option may be preferred by families who do not have a lot of assets and have some degree of understanding of what specific coverages and deductibles they need.
So which one of the three ways works best to buy the cheapest car insurance for hybrid vehicles in Texas? One answer would be buying from a direct company results in the cheapest rates since there isn’t an agent involved, but that is not always the case. We could also assume that buying from an independent agent guarantees the best prices due to having more companies to select from, but again, it’s not a sure thing. And occasionally, the exclusive agents have really good rates that other auto insurance companies cannot touch.
Because it’s impossible to say who has the best auto insurance rates, the only true way to get rock-bottom rates is to get quotes and compare the rates. Set aside the time to get price quotes from independent, exclusive, and direct to have the best selection of rates to choose from. For a list of companies with cheap rates in Texas, click here to view.
How to find economical car insurance for hybrid vehicles
Below you’ll find many thrifty solutions that can help drivers buy cheap auto insurance.
- Safe vehicles cost less to insure
- Keep your driving record clean
- Buy your homeowners policy from the same company as your auto insurance
- Too many claims can make car insurance unaffordable
- Being accident-free can lower rates significantly
- Comparison shop frequently
The last suggestion is especially vital, as was stressed in the prior information. Prices in Texas can change considerably based on profitability, so don’t be unwilling to switch carriers if you can find a cheaper rate.
Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that faithfulness ends up costing you a small fortune year after year. In just a couple of minutes you could shop around to find cheaper auto insurance for hybrid vehicles.
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