The vehicle that is being insured is a large consideration when comparing cheaper car insurance for nurses. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The table below features car insurance premiums for a selection of the most budget-friendly vehicles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,037 |
| Ford Escape XLS 4WD | $1,143 |
| Chevrolet Malibu LS | $1,200 |
| Hyundai Elantra SE Touring Station Wagon | $1,209 |
| Ford Explorer Eddie Bauer 2WD | $1,243 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,259 |
| Toyota Prius | $1,264 |
| Chevrolet Impala LTZ | $1,273 |
| Nissan Rogue S AWD | $1,284 |
| Toyota Corolla XRS | $1,286 |
| Jeep Grand Cherokee Limited 2WD | $1,291 |
| Toyota Tacoma 4WD | $1,289 |
| Chevrolet Equinox LS AWD | $1,316 |
| Start a Quote Go | |
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can influence coverage rates significantly.
By looking at the data, makes and models like the Honda CR-V, Ford Escape, and Chevrolet Malibu will definitely be some of the most budget-friendly vehicles to insure for health professionals.
One of the many factors that determine the amount you pay for auto insurance is the neighborhood you call home. Cities with larger populations or higher claim trends tend to pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The following table lists the priciest cities in Texas for nurses to purchase a policy in. San Antonio is listed at #14 with the yearly price of $1,671 on average, which is around $139 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,907 |
| 4 | Brownsville | $1,870 |
| 5 | Amarillo | $1,858 |
| 6 | Houston | $1,853 |
| 7 | Garland | $1,850 |
| 8 | Mesquite | $1,771 |
| 9 | Pasadena | $1,740 |
| 10 | Grand Prairie | $1,740 |
| 11 | Irving | $1,719 |
| 12 | Beaumont | $1,702 |
| 13 | Austin | $1,676 |
| 14 | San Antonio | $1,671 |
| 15 | Lubbock | $1,665 |
| 16 | Arlington | $1,642 |
| 17 | El Paso | $1,632 |
| 18 | Carrollton | $1,615 |
| 19 | McKinney | $1,609 |
| 20 | Plano | $1,608 |
| Find the Best Rates Go | ||
Premium amounts are comparative as the specific area where the vehicle is garaged can affect insurance rates noticeably.
Deciphering which company offers the most affordable auto insurance rates for nurses requires a bit more effort than just getting one or two price quotes.
Every auto insurer uses a slightly different approach to set their prices, so we need to take a look at the auto insurance companies with the overall cheapest rates in Texas. It’s important that readers know that Texas auto insurance rates are impacted by many things which can substantially decrease or increase the price you pay for coverage. Simply having a birthday, getting divorced, or getting caught speeding may cause policy rate changes resulting in some companies being more affordable than others.
Cheapest Insurance Rates for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,549 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers has some of the most affordable car insurance rates in San Antonio at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheaper San Antonio, TX insurance companies.
As the example above demonstrates, if you currently have a policy with Germania Mutual and switched to USAA, you may realize savings of approximately $165. Insureds with Esurance could save as much as $290 a year, and California Casualty policyholders might cut rates by $321 a year.
To see how much you can save, click here to get quotes or click several companies below for low rates.
Bear in mind that those rates are averaged across all drivers and vehicles in Texas and and are not calculated with an exact location for nurses. So the car insurance company that has the cheapest rates for you may not even be in the top 23 companies in the list above. That points out the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
The chart below shows how different deductible levels can influence insurance premiums when searching for cheap insurance for nurses. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
A 50-year-old driver could lower their car insurance rates by $426 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $638 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could save up to $1,414 or even more just by choosing higher deductibles. When using a larger deductible, it’s a good idea to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Cost comparison with and without full coverage
Reducing the cost of auto insurance is important to the majority of vehicle owners, and one great way to reduce the cost of insurance for nurses is to not buy comprehensive and collision coverage. The diagram below shows the difference between auto insurance costs when comparing full coverage to liability only. The data assumes no claims or driving citations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all ages 20 through 70, full coverage on your policy costs an extra $2,131 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the expense. There is no definitive guideline of when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
There are a few situations where only buying liability is not a good plan. If you haven’t paid off your loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Insurance rate increases from tickets or accidents
The obvious way to obtain affordable auto insurance premiums in San Antonio for health professionals is to drive attentively and avoid at-fault accidents and violations. The example below shows how speeding tickets and fender-benders can influence car insurance rates for different insured age categories. Data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Texas per year with no accidents and a clean driving record is $2,091. Receive one speeding ticket and the average cost increases to $2,436, an increase of $345 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for nurses increases to an average of $5,402. That’s an increase of $3,311, or $276 per month, just for not being more responsible behind the wheel!
How to find cheaper auto insurance for nurses
Below you’ll find some of the recommended money-saving ideas that can help Texas drivers quote cheaper car insurance.
- Do not insure for full coverage
- Choose a safer vehicle and pay lower rates
- At-fault accidents can raise rates significantly
- Just one traffic violation will increase your rates
- Higher credit ratings may save you money
- Raise your physical damage coverage deductibles
- Shop around for cheaper prices
The last idea is very critical, as was emphasized in this piece. Prices can change considerably based on profitability, so don’t be afraid to switch carriers if a better rate can be found.
Staying with the same car insurance company is fine, but it’s not a good idea if that faithfulness ends up costing you money that could be spent on other things. In just a few minutes you could compare rates to find cheaper auto insurance for nurses in San Antonio.
If you like to have the advice of a professional agent when shopping for the best coverage for health professionals, the agents below can most likely answer your questions and help you decide which car insurance policy is best. To find a San Antonio insurance agent nearest to you, click the button at the bottom of the list or click here to compare price quotes.
- Tim Lucas State Farm Insurance Agent
21790 Bulverde Rd, 101 – San Antonio, TX 78259 – (210) 494-6700 - Luis Corral – State Farm Insurance Agent
4416 Ramsgate St #101 – San Antonio, TX 78230 – (210) 696-6324 - Lisa Ybarbo – State Farm Insurance Agent
803 Castroville Rd #128 – San Antonio, TX 78237 – (210) 434-2711 - Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 - State Farm: Allen Kaufmann
1583 Thousand Oaks – San Antonio, TX 78232 – (210) 496-5616