The words “economical” and “auto insurance” really should not be used together, in particular when shopping around for the lowest insurance prices for police officers. To save some money, let’s start off by going over some situations that have a considerable impact on auto insurance rates, and figure out some ideas to lower the price of your next policy.
For law enforcement personnel, one of the big criteria that aid in calculating the cost of insurance is where you live in Fort Worth. Cities with larger populations tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The next table sorts the most expensive places in Texas for police officers in which to purchase auto insurance. Fort Worth is listed at #19 with an annual cost of $1,621 for coverage, which is approximately $135 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Houston | $1,891 |
| 4 | Laredo | $1,889 |
| 5 | Dallas | $1,855 |
| 6 | Garland | $1,832 |
| 7 | Grand Prairie | $1,811 |
| 8 | Mesquite | $1,807 |
| 9 | Amarillo | $1,786 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,754 |
| 12 | Pasadena | $1,740 |
| 13 | San Antonio | $1,739 |
| 14 | Lubbock | $1,682 |
| 15 | Austin | $1,676 |
| 16 | Carrollton | $1,664 |
| 17 | Arlington | $1,642 |
| 18 | Plano | $1,624 |
| 19 | Fort Worth | $1,621 |
| 20 | McKinney | $1,609 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,568 |
| 23 | Waco | $1,522 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,515 |
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Annual rates are estimated as vehicle location can lower or raise premiums noticeably.
Figuring out which companies have the best auto insurance rates for police officers takes more work than just picking a company at random. Each insurer has a different process for determining prices, so let’s examine the auto insurance companies with the overall best prices in Fort Worth, TX.
It’s important that readers know that Fort Worth, TX auto insurance rates are based on many factors that may substantially change the price of your policy. Simply turning a year older, having a claim, or having a fender bender can trigger price changes that can cause some rates to be affordable when they were higher priced.
Find the Best Cheap Insurance for Law Enforcement
Travelers offers some of the most affordable car insurance rates in Fort Worth at around $1,021 each year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also be considered some of the cheaper Fort Worth, TX car insurance companies.
As illustrated above, if you are insured with Texas Farm Bureau and switched to Travelers, you could earn a yearly price reduction of about $226. Texas drivers with Esurance might save as much as $386 a year, and California Casualty insureds might lower prices by $403 a year.
To find out how much you can save, click here to get a free quote or quote rates from the companies below.
These rates are averages across all types of insureds and vehicles and are not factoring in a specific location for police officers. So the insurer that has the lowest price for you may not even be in the list above. That point stresses why you need to get car insurance quotes using your own driver data and vehicle information.
Fort Worth auto insurance companies ranked
Buying coverage from a good quality insurance provider is hard considering how many different companies there are to choose from in Texas. The ranking information shown next could help you decide which insurers you want to consider when comparing rate quotes. The ratings below include companies with a nationwide focus, so companies that have a smaller presence are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can change insurance costs when researching cheap insurance for police officers. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could cut expenses by $314 a year by changing from a $100 deductible to a $500 deductible, or save $472 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, have the ability to save $1,026 or more by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to find the cheapest auto insurance for police officers
The list below summarizes many money-saving ideas that can help you get cheap coverage.
- Full coverage is expensive so only insure older vehicles for liability only
- Higher deductibles mean lower rates
- Drive a car with a high safety rating
- Do not get into accidents
- Ensure your driving record is clean
- Good credit can help you save money
- Compare rates regularly and switch companies to save money
That last tip is particularly significant, as was emphasized in this article. Prices charged by car insurance companies in Fort Worth can change considerably based on profitability, so you should be ready to buy from a different company if you can find a cheaper rate. Loyalty to a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars year after year. It only take a few minutes to shop around and find cheaper auto insurance for police officers.
The professional agents shown below can help you determine which insurance coverage will be best for you, since some drivers have questions and prefer to have some advice when trying to find the best insurance rates for police officers. It’s not always easy to do it yourself, so professional agents can provide you comfort knowing your policy gives you suitable coverage if you ever need to use it. To locate an agency by location nearest to you, click the button at the bottom or click here to compare price quotes.
- Stephen Koper – State Farm Insurance Agent
3406 W 7th St – Fort Worth, TX 76107 – (817) 585-1911 - Jerry Yowell – State Farm Insurance Agent
4900 Overton Ridge Blvd Ste 211 – Fort Worth, TX 76132 – (817) 292-5775 - Amado Flores – State Farm Insurance Agent
3345 Western Center Blvd Ste 180 – Fort Worth, TX 76137 – (817) 232-3000