Cheapest Auto Insurance for Felons in Texas

Determining which companies have the most affordable car insurance rates for felons involves a tad more effort in order to find the lowest price. Each auto insurer has a proprietary method for determining rates in each state, so to begin we’ll rank the car insurance companies that tend to be cheaper in Texas.

It’s a good idea to know that Texas car insurance rates are calculated based on many things that can increase the policy premium. Simply improving your credit, moving across town, or having an accident can cause premium changes resulting in some companies being cheaper than competitors.

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Travelers may offer some of the most affordable car insurance rates in Texas at around $1,052 per year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also make the list of some of the cheaper Texas insurance companies.

As the example above demonstrates, if you have coverage with Texas Farm Bureau and switched to USAA, you could realize a yearly price reduction of around $152. Drivers with Esurance could save as much as $270 a year, and California Casualty insureds might lower prices by $301 a year.

Remember that these premiums are averaged for all drivers and vehicles and and are not calculated with a price discount for felons. So the auto insurance company that can offer the best rates for your situation may not even be shown in the above list. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

The car, truck, or SUV driven is probably the biggest factor when looking for the cheapest auto insurance for felons in Texas. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The list below shows auto insurance costs for a selection of the most affordable vehicles to insure.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can change prices considerably.

By looking at the data, makes and models like the Hyundai Tucson, Chevrolet Traverse, Honda CR-V, Ford Escape, and Toyota RAV4 are likely to be some of the cheapest vehicles to insure for felons.

When shopping for auto insurance for felons, one of the many components that is used by auto insurance companies to determine the price you pay for insurance is where your car is garaged in Texas. Areas with a lot of weather claims or more people like McAllen, Houston, and Amarillo will most likely have higher rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The table below sorts the most expensive cities in Texas for felons to buy car insurance in.

Rates are approximated as the specific garaging location can affect prices noticeably.

The example below illustrates how your deductible choice can affect insurance costs when researching cheap insurance for felons. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

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The data above shows that a 30-year-old driver could lower rates by $302 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates as much as $646 each year just by choosing larger deductibles. If you do raise deductibles, it will be required to have additional savings on hand to offset the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Liability rates compared to full coverage

Finding the cheapest auto insurance for felons in Texas is probably important to the majority of drivers, and a good way to pay less for insurance is to not buy full coverage. The information below illustrates the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. Data assumes no claims, a clean driving record, $500 deductibles, single status, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3049,1151],[‘Age 30’, 1607,633],[‘Age 40’, 1571,587],[‘Age 50’, 1433,549],[‘Age 60’, 1391,541],[‘Age 70’, 1709,721]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an overall average, comprehensive and collision coverage on your policy costs $1,793 per year more than buying just liability insurance. Many of you may wonder if it’s worth it to buy full coverage. There is no specific rule of when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying the physical damage deductible. If premium cost is more than $200 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Find the cheapest auto insurance for felons in Texas

The list below details some money-saving suggestions that can help Texas drivers buy more affordable coverage.

• Increase your policy deductibles
• Avoid getting tickets or violations
• Pay for small claims rather than turning them in to your insurance company
• Accident-free drivers may qualify for discounts
• Save money by only buying liability coverage for older vehicles
• Ensure you have the best deal by shopping around regularly

The last idea is particularly crucial, as we discussed in the article above. Prices can be changed at any time, so drivers shouldn’t hesitate to buy a policy from a new company if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that stubbornness costs you money that could be used for better things. It takes less than five minutes to compare prices to find cheaper auto insurance for felons.

Best cheap insurance quotes for felons

Thanks to technology, there are a lot of ways to quote cheap car insurance rates in Texas, but the three most common are either through an exlusive agent like Allstate or State Farm, an independent insurance agent, or from a direct company like Geico or Progressive. They all have the same end result, but it’s important to point out the distinctions in how they provide rate quotes.

Independent agents write for multiple companies and can compare coverage rates with each one. These types of agencies will give you a larger rate selection, which can help you get a better chance of saving money. If they quote lower rates, the agent simply finds a different carrier and you do not have to find a new agent.

An agent who is captive is ‘exlusive’ to just one company, two examples are State Farm and Auto-Owners agents. Exclusive agents generally are unable to compare rates from other companies, which does not give you the best rate comparison.

Buying direct means you bypass an independent or exclusive agent and instead shop buying direct from a company like Geico or Progressive. Shopping direct can be a good choice for people who do not need high amounts of coverage and understand the limitations of car insurance.

When shopping for car insurance, which way works best for finding the cheapest auto insurance for felons in Texas? We would first guess that buying direct results in the best prices because you bypass the agent, but that is generally not the case. An argument could also be made that buying car insurance from an independent agent is the best way due to increased selection, but that idea is not necessarily true either. In some circumstances, the exclusive agents may have prices that are well below what direct and independents offer.

Because there is so much variation in car insurance prices, the only true way to ensure the lowest rates is to compare lots of quotes. We highly recommend getting price quotes from all three in order to have the best selection to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.