The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, especially when you are searching for the cheapest coverage for teachers. Because it’s not cheap, let’s open your eyes to a few of the factors the can have a considerable influence on insurance premiums, and figure out some ways to slash the price of the next policy you buy.
For teachers and educators, one of the big considerations that aid in calculating the annual cost of car insurance is the neighborhood you call home in Fort Worth. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The next table rates the most costly cities in Texas for teachers to purchase a policy in. Fort Worth shows up at #20 with a yearly premium of $1,604 for the average insured, which is about $134 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Houston | $1,909 |
| 5 | Laredo | $1,889 |
| 6 | Amarillo | $1,840 |
| 7 | Garland | $1,832 |
| 8 | Irving | $1,772 |
| 9 | Beaumont | $1,772 |
| 10 | Mesquite | $1,771 |
| 11 | Pasadena | $1,758 |
| 12 | Grand Prairie | $1,757 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,671 |
| 16 | El Paso | $1,632 |
| 17 | McKinney | $1,625 |
| 18 | Plano | $1,624 |
| 19 | Austin | $1,610 |
| 20 | Fort Worth | $1,604 |
| Compare Prices Now Go | ||
Table data uses approximated as vehicle location can decrease or increase premium rates considerably.
Figuring out which companies quote the cheapest auto insurance rates for teachers takes a bit more effort in order to find the lowest price.
Every insurance provider has their own unique process for determining rates in each state, so we’ll go over the auto insurance companies with the overall best prices in Fort Worth, TX. It’s important to know that Fort Worth auto insurance rates are impacted by many factors that can increase the price of your policy. Simply getting older, getting divorced, or getting a speeding ticket can trigger price changes that can make some companies more affordable than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
| View More Rates Go | ||
Travelers quotes some of the most affordable car insurance rates in Fort Worth at around $1,021 annually. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the more affordable Fort Worth, TX auto insurance companies.
As shown in the rates above, if you have coverage with USAA and switched to Travelers, you might achieve an annual savings of approximately $63. Texas drivers with Texas Farm Bureau might save as much as $226 a year, and Germania Mutual customers might cut rates by $235 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or visit several of the following companies.
Understand that those estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for teachers. So the car insurance company that fits your needs best may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
Buying coverage from the top car insurance provider can be challenging considering how many different companies insure vehicles in Fort Worth. The company information in the next section could help you decide which coverage providers you want to consider when buying insurance for teachers.
The rankings below are only comprised of the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for this list. To compare prices and find the cheapest rates for teachers, click this link.
Top 10 Large Auto Insurance Providers in Fort Worth Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Providers in Fort Worth Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Discounts on Fort Worth car insurance
Auto insurance companies that offer quotes for teachers may have rate discounts that could lower prices by as much as 35% or more if you are eligible. Larger auto insurance companies and some of the discounts are:
- GEICO may offer discounts for anti-theft, federal employee, membership and employees, emergency military deployment, multi-vehicle, seat belt use, and air bags.
- Travelers offers discounts including early quote, multi-policy, save driver, driver training, student away at school, continuous insurance, and IntelliDrive.
- Farm Bureau discounts include youthful driver, renewal discount, 55 and retired, multi-policy, safe driver, good student, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including newly married, multi-policy, preferred payment discount, teen driver discount, and newly retired.
- American Family may include discounts for accident-free, air bags, multi-vehicle, good driver, early bird, defensive driver, and TimeAway discount.
- Progressive may have discounts that include multi-vehicle, online signing, continuous coverage, multi-policy, and homeowner.
The example below illustrates the comparison of yearly insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving citations, 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 passive restraint, multiple policy, homeowner, accident-free, marriage, and safe-driver discounts applied. With discounts applied, the average amount saved each year on auto insurance for teachers is 28% or $717.
The agencies below are a good start to help you determine which coverages are best, since some people have coverage questions and would like to have some professional guidance when comparing insurance rates for teachers. It’s not always easy to find the cheapest rates, so agents can give you peace of mind knowing you have sufficient coverage for your assets. To locate a Fort Worth car insurance agency close to you, click the button at the bottom of the list or click here to compare prices now.
- Ricardo Rivera – State Farm Insurance Agent
2516 NE 28th St Ste 124 – Fort Worth, TX 76106 – (817) 945-2900 - Matt Poston – State Farm Insurance Agent
3417 Hulen St #203 – Fort Worth, TX 76107 – (817) 732-1611 - Marianne Leal – State Farm Insurance Agent
1205 N Main St – Fort Worth, TX 76164 – (817) 740-1508 - Sloan Clark – State Farm Insurance Agent
2606 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-3344
Find a Fort Worth, TX insurance agent near you
How to find more affordable auto insurance for teachers
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Texas drivers locate cheaper auto insurance.
- Maintain a clean driving record
- Increase your credit rating
- Full coverage may not be needed on older vehicles
- Increase your policy deductibles
- Drive safe vehicles
- Avoid accidents and claims
- Compare rates once a year for cheaper prices
The last item on the list is certainly necessary, as we noted in this write-up. Coverage rates in Fort Worth can be changed at any time, so you should be ready to switch carriers if a more affordable price is available.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that devotion results in you overpaying money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for teachers.