The words “low-cost” and “auto insurance” really should not be used together, in particular when looking for the cheapest auto insurance for teachers. Because it’s so expensive, let’s teach you some situations that determine auto insurance prices, and come up with some ways to slash the price of the next policy you buy.
One of the more important criteria that are used to help calculate the amount you pay each year for auto insurance is where your car is garaged. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas more rural areas have the luxury of lower rates.
The information below shows the highest-priced areas in Texas for teachers to purchase auto insurance in. San Antonio makes the list at #13 with the annual price of $1,722 for the average insurance policy, which is about $144 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,909 |
| 4 | Brownsville | $1,870 |
| 5 | Laredo | $1,833 |
| 6 | Garland | $1,832 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Irving | $1,789 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,753 |
| 12 | Grand Prairie | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Arlington | $1,709 |
| 15 | Austin | $1,676 |
| 16 | Lubbock | $1,665 |
| 17 | Fort Worth | $1,653 |
| 18 | Carrollton | $1,598 |
| 19 | Corpus Christi | $1,588 |
| 20 | Plano | $1,576 |
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Rates are estimated as specific San Antonio zip code can revise coverage prices noticeably.
The make and model of vehicle to be insured is a large factor that determines whether or not you can buy cheaper auto insurance for teachers. Vehicles with high performance features, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more economical and safe models.
The data below ranks coverage prices for some of the most economical automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Chevrolet Impala LS | $1,256 |
| Honda CR-V EX-L 4WD | $1,266 |
| Dodge Grand Caravan Hero | $1,280 |
| Ford Fusion S 4-Dr Sedan | $1,288 |
| Chevrolet Equinox LT AWD | $1,280 |
| Ford Explorer Eddie Bauer 4WD | $1,303 |
| Ford Escape XLS 2WD | $1,325 |
| Honda Civic LX-S 4-Dr Sedan | $1,333 |
| Toyota Corolla S | $1,348 |
| Ford Edge SE 2WD | $1,362 |
| Ford F-150 STX Super Cab 2WD | $1,371 |
| Nissan Rogue S 2WD | $1,372 |
| Toyota Prius | $1,377 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,391 |
| Honda Odyssey EX W/Rear Entertainment | $1,440 |
| Toyota Camry Hybrid | $1,464 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,473 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,495 |
| Toyota Camry XLE | $1,542 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,565 |
| Toyota RAV4 2WD | $1,573 |
| GMC Sierra SLE Crew Cab 2WD | $1,582 |
| Chevrolet Malibu Hybrid | $1,573 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rates do not factor in your specific San Antonio, TX location which can influence auto insurance rates substantially.
Based upon these rates, we can expect cars like the Chevrolet Impala, Honda CR-V, and Dodge Grand Caravan will definitely be the more affordable vehicles to insure for teachers and educators.
Difference between liability only and full coverage rates
Saving money on insurance is probably important to most people, and one way to find cheap insurance for teachers is to buy only liability coverage. The example below compares car insurance costs when comparing full coverage to liability only. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no other discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage costs an extra $2,181 per year more than insuring for liability only. Many of you may wonder if buying full coverage is worth the expense. There is no written rule to stop buying physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
There are some circumstances where buying only liability insurance is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
Picking a high-quality car insurance company can be a challenge considering how many different companies sell coverage in Texas. The information in the next section could help you analyze which coverage providers you want to consider when comparing rates.
The ratings below only include companies that write coverage in many states, so companies that only write business in Texas or surrounding areas will not be included in these rankings. To view rates from these top insurers and more, simply click here.
Top 10 Large Car Insurance Companies in San Antonio Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Large Car Insurance Companies Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Discounts on San Antonio car insurance rates
Insurance companies that sell policies for teachers may also offer rate discounts that could potentially reduce rates by 40% or more if you can meet the requirements. Companies and some of their more popular discounts are shown below.
- Travelers includes discounts for save driver, IntelliDrive, hybrid/electric vehicle, continuous insurance, and early quote.
- 21st Century offers discounts for student driver, anti-lock brakes, homeowners, air bags, and early bird.
- State Farm may offer discounts for accident-free, student away at school, multiple autos, defensive driving training, and good student.
- GEICO may have discounts that include good student, multi-policy, seat belt use, driver training, and daytime running lights.
- SAFECO discounts include anti-theft, teen safe driver, safe driver, accident prevention training, bundle discounts, and teen safety rewards.
- AAA offers premium reductions for anti-theft, good student, pay-in-full, AAA membership discount, education and occupation, multi-car, and good driver.
The information below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, homeowner, anti-theft, marriage, multiple vehicle, and multiple policy discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for teachers is 28% or $425.