For postal employees, one of the big components that auto insurance companies use when figuring the price you pay for insurance is where you choose to live in Texas. Areas with more people or more claims like McAllen, Laredo, and Houston are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The information below lists the highest-priced places in Texas for postal workers in which to purchase auto insurance.
Rank | City | Premium Per Year |
---|---|---|
1 | McAllen | $1,936 |
2 | Brownsville | $1,870 |
3 | Laredo | $1,851 |
4 | Dallas | $1,837 |
5 | Houston | $1,835 |
6 | Garland | $1,832 |
7 | Pasadena | $1,812 |
8 | Mesquite | $1,807 |
9 | Amarillo | $1,804 |
10 | Grand Prairie | $1,793 |
11 | Irving | $1,789 |
12 | Beaumont | $1,772 |
13 | San Antonio | $1,688 |
14 | Austin | $1,676 |
15 | Lubbock | $1,665 |
16 | Arlington | $1,658 |
17 | Carrollton | $1,647 |
18 | Corpus Christi | $1,636 |
19 | Fort Worth | $1,604 |
20 | El Paso | $1,584 |
21 | McKinney | $1,577 |
22 | Plano | $1,576 |
23 | Waco | $1,537 |
24 | Killeen | $1,518 |
25 | Abilene | $1,499 |
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Premium costs are comparative as zip code location can alter coverage rates noticeably.
Performance level and cost of the vehicle needing coverage is one of the biggest factors when comparing the best cheap car insurance for postal workers. Vehicles with lots of horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The next lists estimates auto insurance prices for a selection of the most affordable automobiles to buy insurance for.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $1,046 | $523 | $87 |
Ford Focus SE 2-Dr Coupe | $1,176 | $588 | $98 |
Honda Accord EX 4-Dr Sedan | $886 | $443 | $74 |
Honda Civic Hybrid 4-Dr Sedan | $1,120 | $560 | $93 |
Hyundai Sonata Limited 4-Dr Sedan | $1,196 | $598 | $100 |
Kia Optima SX | $1,196 | $598 | $100 |
Nissan Altima 2.5 S 2-Dr Coupe | $1,196 | $598 | $100 |
Toyota Camry XLE | $1,100 | $550 | $92 |
Toyota Corolla S | $1,100 | $550 | $92 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific garaging location which can impact premiums noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX Advance/Entertainment 4WD | $1,140 | $570 | $95 |
Chevrolet Suburban LS 2WD | $1,066 | $533 | $89 |
Chevrolet Traverse LTZ 2WD | $980 | $490 | $82 |
Ford Escape XLT 2WD | $886 | $443 | $74 |
Ford Explorer Eddie Bauer AWD | $1,066 | $533 | $89 |
GMC Acadia SL 2WD | $972 | $486 | $81 |
Honda CR-V EX-L 2WD | $906 | $453 | $76 |
Honda Fit Sport VSA | $902 | $451 | $75 |
Honda Pilot EX 2WD | $1,012 | $506 | $84 |
Hyundai Tucson GLS 2WD | $972 | $486 | $81 |
Jeep Grand Cherokee Limited 2WD | $1,120 | $560 | $93 |
Jeep Patriot Sport 2WD | $972 | $486 | $81 |
Subaru Forester XT Limited Edition AWD | $1,054 | $527 | $88 |
Toyota Highlander Sport 2WD | $1,066 | $533 | $89 |
Toyota RAV4 Sport 2WD | $1,046 | $523 | $87 |
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can decrease or increase coverage rates noticeably.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD | $1,326 | $663 | $111 |
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,160 | $580 | $97 |
Chevrolet Silverado LS Extended Cab 4WD | $1,046 | $523 | $87 |
Dodge Ram 2500 Crew Cab ST 2WD | $1,196 | $598 | $100 |
Dodge Ram Crew Cab Laramie 2WD | $1,216 | $608 | $101 |
Ford F-150 FX4 4WD | $1,066 | $533 | $89 |
Ford F-250 XLT Turbo Diesel 2WD | $1,270 | $635 | $106 |
Ford F-350 Super Cab Lariat 4WD | $1,488 | $744 | $124 |
GMC Sierra SLE Crew Cab 2WD | $1,046 | $523 | $87 |
Toyota Tundra Regular Cab 2WD | $1,048 | $524 | $87 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Information does not factor in zip code location which can affect coverage rates considerably.
When comparing auto insurance for postal employees in Texas, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. Combined they insure almost half of the car insurance market in the United States. They all offer your standard coverages, but each one has a different combination of discounts, features, and options that may affect your buying decision. The data below points out price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.
State Farm | Allstate | Progressive | Geico | |
---|---|---|---|---|
Price Ranking | 2nd | 4th | 3rd | 1st |
Client Satisfaction | 4th | 2nd | 3rd | 1st |
Discounts Available | 3rd | 1st | 4th | 2nd |
Claims Handling | 2nd | 1st | 4th | 3rd |
A.M. Best rating | A++ | A+ | A+ | A++ |
Standard & Poor’s rating | AA | AA- | AA | AA+ |
Mechanical breakdown insurance | No | No | Yes | Yes |
New car replacement coverage | No | Yes | No | No |
Rate for vehicle usage | Yes | Yes | Yes | No |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Emergency roadside service | Yes | Yes | Yes | Yes |
Accident forgiveness | No | Yes | Yes | Yes |
Offered in Texas | Yes | Yes | Yes | Yes |
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