Who Has Affordable Car Insurance Rates for Postal Workers in Arlington?

For postal employees, one of the more important factors that help determine insurance cost is where you keep your vehicle. Areas with increased crime or more people tend to have higher auto insurance costs, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The next table shows the most expensive cities in Texas for postal workers to buy an auto insurance policy in. Arlington is ranked at #15 costing $1,709 for the average policy, which is about $142 each month.

How much is car insurance in Arlington?
Rank City Annual Rate
1 McAllen $1,996
2 Brownsville $1,927
3 Dallas $1,893
4 Houston $1,891
5 Amarillo $1,858
6 Laredo $1,833
7 Grand Prairie $1,811
8 Mesquite $1,807
9 Garland $1,796
10 Pasadena $1,740
11 Irving $1,736
12 Lubbock $1,733
13 San Antonio $1,722
14 Beaumont $1,720
15 Arlington $1,709
16 Carrollton $1,664
17 Austin $1,659
18 Corpus Christi $1,636
19 El Paso $1,616
20 McKinney $1,609
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Price information shown is estimated as the specific zip code location can lower or raise coverage rates considerably.

The vehicle you are insuring is probably the most important factor when quoting affordable insurance for postal workers. Vehicles with economical engines, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models.

The data below showcases coverage rates for some of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Arlington, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $945
Hyundai Elantra GLS Touring Station Wagon $953
Ford Explorer XLT 2WD $1,059
Honda Accord EX 4-Dr Sedan $1,084
Honda Odyssey EX W/Rear Entertainment $1,095
Chevrolet Equinox LS 2WD $1,117
Dodge Grand Caravan Hero $1,124
Ford Escape XLS 2WD $1,161
Toyota Camry XLE $1,174
Toyota Corolla S $1,182
Nissan Rogue SL 2WD $1,198
Toyota Prius $1,204
Kia Optima LX $1,198
Ford Focus SE 2-Dr Coupe $1,256
Ford Edge SE AWD $1,260
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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 homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can change price quotes significantly.

Based upon the rates shown, you can expect models like the Honda CR-V, Hyundai Elantra, Ford Explorer, and Honda Accord are most likely to be some of the most affordable vehicles to insure for postal employees.

Determining which companies offer the lowest-priced insurance rates for postal workers will take a bit more work in order to find a policy that fits your budget. Each insurer has a proprietary method for determining rates in each state, so let’s take a look at the overall cheapest insurance companies in Texas.

It’s important to understand that Arlington insurance rates are influenced by many factors that can increase the price you pay. Getting older, getting married, or getting a ticket for careless driving can cause premium changes that can cause some rates to be more affordable than the competition.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,495
8 Mercury $1,506
9 Safe Auto $1,549
10 Nationwide $1,585
11 Progressive $1,698
12 Allstate $1,701
13 Amica $1,723
14 Home State $2,071
15 GEICO $2,093
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,255
19 21st Century $2,396
20 Titan $2,594
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Travelers normally has some of the most affordable car insurance rates in Arlington at around $1,010 per year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Arlington, TX car insurance companies.

As the rates illustrate above, if you are currently insured with Germania Mutual and switched to Travelers, you might realize an annual premium reduction of around $272. Customers with Esurance could save as much as $355 a year, and California Casualty customers might cut rates by $414 a year.

Bear in mind that those premium estimates are averaged across all drivers and vehicles and do not factor in a specific zip code for postal workers. 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 specific driver and vehicle information.

Full coverage versus liability-only

Paying a lower price for insurance should be important to the majority of drivers, and a good way to save on the cost of insurance for postal workers is to buy liability only. The example below compares premium costs with full coverage and liability only. The rates are based on no claims or driving citations, $1,000 deductibles, drivers are single, and no discounts are applied.

On average, full coverage on your policy costs an additional $2,159 per year more than insuring for liability only. Many drivers may wonder if paying for full coverage is worth it. There is no clear-cut formula to stop buying full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

Accidents and violations increase rates

The obvious way to maintain the best insurance premiums in Arlington for postal employees is to be a cautious driver and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and at-fault fender-benders drive up car insurance rates for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

In the example above, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $2,671. Receive two speeding tickets and the average cost hikes up to $3,542, an increase of $870 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for postal workers increases to an average of $4,430. That’s an increase of $1,759, or $147 per month, just for not driving attentively!

The Arlington auto insurance agencies shown below can help you make a decision which coverages are best, since some people prefer to have professional advice when trying to find the best insurance rates for postal employees. It can be hard to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can provide you peace of mind knowing you have sufficient coverage at claim time. To find an auto insurance agency by location nearest to you, click the button link following the list or click here to get price quotes now.

More Arlington, TX insurance agents

How to find low-cost car insurance for postal workers

Here are a few money-saving ideas that can help Arlington drivers locate cheap coverage.

The last tip in the list is extremely vital, as we noted in the prior article. Prices charged by car insurance companies change constantly, so you should be ready to change insurance companies if a more affordable price is available. Staying with the same car insurance company is fine, but it’s not recommended if that devotion results in you overpaying thousands of dollars over several years. If you have a few minutes, shop around and find cheaper auto insurance for postal workers in Arlington.