How Much are Auto Insurance Quotes for Teachers in Texas?

Our staff writers always rib each other than when writing about car insurance, the words “cheap” or “affordable” should never appear anywhere in the article. It’s just a fact that cheap car insurance for teachers is not always easy to find. But don’t let us ruin your dream, because we can show you some ways you can still find and buy insurance that is cheaper than what you have now.

Shopping around for reasonably-priced car insurance is confusing at best, and figuring out which companies offer the lowest-priced auto insurance rates for teachers calls for more quotes for comparison. Coverage prices could be slightly lower than the state average, with the decrease attributed to the posibility of fewer claims related to selling insurance for teachers and educators. Economical coverage should be attainable without looking to hard.
Every car insurance company has their own formula to set policy rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Texas.

Keep in mind that Texas auto insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Taking a driver safety course, adding a teenager to your policy, or getting a DUI may cause policy rate changes that may make certain companies more expensive than before.

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Travelers generally has some of the lowest car insurance rates in Texas at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheaper Texas insurance companies.

In the above rates, if you have coverage with USAA and switched to Travelers, you could see a yearly price reduction of roughly $43. Policyholders with Texas Farm Bureau may save as much as $170 a year, and Germania Mutual customers might reduce prices by as much as $215 a year.

To find cheap auto insurance for teachers in Texas for your vehicle, click here to start your free quote or visit any of the low-priced companies below.

Remember that these rates are averages across all drivers and vehicles in Texas and do not factor in a rate discount for teachers. So the car insurance company that is most affordable for your situation may not even be featured in the chart above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

The car, truck, or SUV on the policy is probably the largest consideration that determines the availablility of cheap auto insurance for teachers in Texas. Vehicles with limited top-end speed, a great safety record, or a low likelihood of liability claims will cost less to insure than fast, unsafe models.

The data below showcases car insurance premiums for a handful of the most affordable automobiles to insure in Texas.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in Texas location which can increase or decrease price quotes noticeably.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific location information which can influence auto insurance rates substantially.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can raise or lower coverage rates substantially.

When shopping for car insurance for teachers and educators, one of the many components that affect the annual cost of car insurance is your zip code in Texas. Areas that are densely populated or have higher claim frequency like McAllen, Brownsville, and Houston are more likely to pay higher prices, whereas more rural areas receive better rates.

The information below lists the higher priced cities in Texas for teachers to purchase a policy in.

Rates are comparative as specific location information can decrease or increase premium rates considerably.

Selecting the highest-rated car insurance provider is hard considering how many different insurance companies sell coverage in Texas. The company information in the next section could help you select which auto insurers to look at when buying insurance for teachers.

These ratings are for the largest companies in the United States, so companies that only write business in Texas or surrounding areas are not included in the list. To get rate quotes from these companies and more, simply click here.

Top 10 Large Car Insurance Companies in Texas Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Large Car Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. Safeco Insurance
4. American Family
5. AAA Insurance
6. The Hartford
7. Progressive
8. The General
9. Titan Insurance
10. Esurance

How violations and accidents impact rates

The best way to snag cheap auto insurance for teachers in Texas is to drive safely and avoid getting tickets or having accidents. The diagram below illustrates how violations and fender-benders influence insurance rates for different age groups. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of car insurance per year with no violations or accidents is $2,067. Factor in one speeding ticket and the average cost hikes up to $2,343, an increase of $276 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for teachers goes up to an average of $4,654. That’s an increase of $2,587, or $216 per month, just for not driving carefully!

Geico, Progressive, Allstate, or State Farm: Which is best?

When shopping for car insurance for teachers and educators in Texas, four companies to take a look at are Geico, Progressive, Allstate, and State Farm. When combined, they have about half of the entire U.S. auto insurance market. All of them offer physical damage and liability coverage, but each has unique options and discounts that drivers can select from. The following table compares and contrasts ratings and policy coverage options offered by each one.

Who has the cheapest insurance quotes for teachers and educators?

There are quite a few ways to compare auto insurance quotes in Texas, but the most preferred methods are through an independent agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or direct either online or via phone. All three ways can provide auto insurance quotes, but each is slightly different in how they function.

Independent insurance agencies write business for many companies and can compare rates with all of them. They are not required to write business for one company and can give you more rate choices, which can give you a better comparison. If prices rise, your policy can be easily switched to a new company which requires no work on your part.

A captive or exclusive agent is usually restricted to a single insurance company, two examples being a State Farm or Allstate agent. They generally cannot compare rates from other companies, so it’s a good idea to shop around.

Buying auto insurance direct means you do not use local agents and buy direct online or over the phone from a company like Progressive or Esurance. Shopping direct can be a good choice for consumers who do not have a lot of assets and know more than average about what coverages, limits, and deductibles they need.

Which method is best for finding cheap auto insurance for teachers in Texas? The majority of auto insurance shoppers assume that buying direct saves the most money since there is no need to pay agent commissions, but unfortunately, that is not the case. And we’d like to say an independent agency is the best way to save since they can quote with many companies, but again, that’s not accurate. In the right set of circumstances, exclusive agencies have coverage prices that are impossible to beat.

Due to the large number of rating factors, the only real way to get the cheapest rates is to compare rate quotes from as many companies as possible. If time allows, get price quotes all three ways to have the best selection of rates to choose from. To see some of the cheapest online companies available, click here to view.