The words “low-priced” and “insurance” probably shouldn’t be used together, especially when searching for the lowest insurance rates for government employees. Because it’s not cheap, let’s open your eyes to some things that have an effect on auto insurance prices, and see if we can help you lower the price of your next policy.
Comparing quotes for cost effective insurance is confusing at best, and figuring out which company has the best auto insurance rates for government employees will involve even more perseverance.
Every insurance provider has a proprietary formula for determining rates, so first let’s look at the rankings for the auto insurance companies with the most affordable rates in San Antonio. It’s a good idea to be aware that San Antonio auto insurance rates are influenced by many factors that control the price you pay. This is why Texas drivers need to compare lots of rates to find the cheapest car insurance rates for government employees. Car insurance prices are determined by many risk factors and change substantially, so the best company two years ago may now be one of the more expensive options.
Best Cheap Insurance Rates in Texas
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,465 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | Encompass | $2,232 |
| 17 | MetLife | $2,249 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
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Travelers has some of the lowest car insurance rates in San Antonio at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the lowest-priced San Antonio, TX car insurance companies.
In the rate table above, if you are insured with Germania Mutual and switched to Travelers, you might see a yearly price reduction of roughly $235. Customers with Esurance might save as much as $358 a year, and California Casualty insureds might lower prices by up to $403 a year.
To see how much you can save, click here to start your custom quote or quote prices from the following companies.
These premiums are averaged across all ages of drivers and types of vehicles and do not factor in an exact location for government employees. So the car insurance company that fits your needs best may not even be in the top 23 companies shown above. That emphasizes why you need to compare as many prices as possible using your own driver data and vehicle information.
The car, truck, or SUV to be insured is one of the main factors that determines the availability of affordable car insurance for government employees. Vehicles with average performance, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.
The next table features insurance premiums for a selection of the most budget-friendly automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,112 |
| Ford F-150 STX Regular Cab 4WD | $1,114 |
| Honda CR-V EX 2WD | $1,121 |
| Ford Edge Limited 2WD | $1,155 |
| Toyota Tacoma Double Cab 4WD | $1,177 |
| Toyota Prius | $1,209 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,211 |
| Toyota Corolla S | $1,242 |
| Chevrolet Impala LS | $1,263 |
| Honda Odyssey EX W/Rear Entertainment | $1,270 |
| Ford Explorer XLT 4WD | $1,265 |
| Ford Fusion SE 4-Dr Sedan | $1,273 |
| Chevrolet Malibu LS | $1,287 |
| Toyota Camry LE | $1,292 |
| Toyota RAV4 2WD | $1,287 |
| Ford Focus SE 4-Dr Sedan | $1,299 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,357 |
| Dodge Grand Caravan SXT | $1,367 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,373 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,382 |
| Chevrolet Equinox LTZ AWD | $1,391 |
| Jeep Grand Cherokee Limited 4WD | $1,382 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,391 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific garaging location which can alter auto insurance rates greatly.
Based upon the rates shown, we can assume that makes and models like the Ford Escape, Ford F-150, and Honda CR-V will definitely be a few of the most budget-friendly vehicles to insure for state and federal workers.
For state and federal workers, one of the more important things that help determine car insurance rates is where you live in San Antonio. Cities with larger populations tend to pay slightly more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The following table sorts the highest-priced areas in Texas for government employees to buy an auto insurance policy in. San Antonio is ranked at #12 with the annual price of $1,739 for car insurance, which is about $145 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,893 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,870 |
| 5 | Amarillo | $1,840 |
| 6 | Houston | $1,835 |
| 7 | Garland | $1,796 |
| 8 | Pasadena | $1,794 |
| 9 | Irving | $1,789 |
| 10 | Grand Prairie | $1,757 |
| 11 | Mesquite | $1,753 |
| 12 | San Antonio | $1,739 |
| 13 | Beaumont | $1,720 |
| 14 | Lubbock | $1,716 |
| 15 | Fort Worth | $1,653 |
| 16 | Arlington | $1,642 |
| 17 | Austin | $1,627 |
| 18 | Plano | $1,624 |
| 19 | Corpus Christi | $1,620 |
| 20 | Carrollton | $1,615 |
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Information shown are comparative as the specific San Antonio residence address can lower or raise coverage prices greatly.
Discount San Antonio car insurance
Car insurance companies that sell policies for government employees may also provide special discounts that could lower prices by 35% or more if you are eligible for them. Popular auto insurance companies and some of the discounts are shown below.
- Progressive may have discounts that include good student, multi-policy, continuous coverage, online quote discount, homeowner, and multi-vehicle.
- GEICO policyholders can earn discounts including defensive driver, daytime running lights, multi-policy, military active duty, five-year accident-free, and federal employee.
- State Farm may include discounts for Drive Safe & Save, multiple autos, safe vehicle, multiple policy, and accident-free.
- Esurance has discounts for renters, paid-in-full, online quote, defensive driver, anti-lock brakes, emergency road assistance, and safety device.
- The Hartford may offer discounts for vehicle fuel type, anti-theft, driver training, defensive driver, bundle, and air bag.
The example below visualizes the comparison of insurance premiums with and without discounts applied to the policy rates. The rates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, vehicle safety, claim-free, defensive driving course, multiple policy, and passive restraint discounts applied. With discounts applied, theaverage amount saved on auto insurance for government employees is 28% or $756.
The chart below illustrates how your deductible choice can affect insurance costs when getting quotes for cheap insurance for government employees. The rate quotes are based on a single male driver, full coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could pocket $440 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $660 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices $1,446 annually just by choosing higher deductibles when buying full coverage. When raising deductibles, it’s a good idea to have enough savings to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Choosing the top auto insurance provider can be challenging considering how many different insurance companies sell coverage in San Antonio. The company information in the next section may help you choose which coverage providers you want to consider shopping prices with. The ratings below include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Texas are not factored into the list.
Top 10 Major Auto Insurance Companies Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Major Auto Insurance Companies in San Antonio Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Why you are probably overpaying for car insurance
San Antonio auto insurance rates are calculated based on many things that may substantially change the price you pay. Simply improving your credit, becoming a homeowner, or getting a ticket for running a stop sign can produce rate changes that may make certain companies affordable when they were higher priced.
In addition to those changes, insurers modify pricing as often as every three months to ensure their profitability. Unexpectedly high claims can result in higher prices, while better underwriting can produce more affordable San Antonio car insurance rates.
For instance, the graph below shows which company has the cheapest car insurance in San Antonio, TX for a 40-year-old male driver with a clean driving record, no accidents, and solid credit. When quoting prices based on his current risk factors, Travelers may offer the lowest car insurance rates in San Antonio at $1,181 annually. This is $723 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest San Antonio, TX auto insurance companies.
Now we will pretend the driver from above some claims, slightly worse credit, and a stop sign violation. Because every insurance company has a unique formula for determining rates, getting updated rate quotes may now result in a new list of companies as shown below.
Mercury now has the lowest price in San Antonio with State Farm, Nationwide, Safe Auto, and USAA completing the list. This demonstrates why consumers need to take the time to do a thorough rate comparison to find the lowest car insurance quotes for government employees. Prices are calculated by many things and change frequently, so the lowest-price company the last time you shopped around may now cost much more than other companies.