The words “low-cost” and “auto insurance” really should not be used together, in particular when shopping around for the best coverage prices for welfare recipients. Let’s learn about some of the things that significantly impact auto insurance prices, and come up with some ideas to reduce the cost of the next policy you buy.
Locating cheap car insurance is hard enough, and finding out which company has the lowest-priced auto insurance rates for welfare recipients requires even more work. Each auto insurer uses different criteria to determine rates, so we need to take a look at the most affordable auto insurance companies in Fort Worth, TX.
It’s a good idea to be aware that Fort Worth, TX auto insurance rates are calculated based on many things that may substantially change the price of your policy. This price variation is why it is critical to compare as many rates as possible when trying to get the most budget-friendly car insurance rates for welfare recipients. Rates can be determined by many different factors and can decrease or increase without notice, so the best option three years ago may now be quite expensive.
Cheapest Insurance Rates in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,310 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| View More Rates Go | ||
Travelers quotes some of the best car insurance rates in Fort Worth at around $1,021 per year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the more affordable Fort Worth, TX insurance companies.
As the rates illustrate above, if you currently have a policy with Germania Mutual and switched to Travelers, you could see yearly savings of roughly $261. Policyholders with Esurance might save as much as $358 a year, and California Casualty customers might reduce rates by $361 a year.
Be aware that those estimates are averages for all insureds and vehicles and do not factor in a specific zip code for welfare recipients. So the car insurance company that can offer you the best rate may not even be in the list above. That helps illustrate why you need to get rate quotes using your own specific driver information and vehicle.
The car, truck, or SUV you are seeking coverage for is one of the largest considerations when trying to find cheap insurance for welfare recipients. Vehicles with high performance features, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models.
The list below showcases auto insurance rates for a handful of the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $953 |
| Honda CR-V LX 4WD | $963 |
| Toyota Prius | $1,056 |
| Ford Escape XLS 2WD | $1,076 |
| Ford F-150 STX Super Cab 4WD | $1,087 |
| Chevrolet Impala LS | $1,107 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,127 |
| Chevrolet Equinox LT AWD | $1,134 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,142 |
| Ford Explorer Eddie Bauer 4WD | $1,149 |
| Chevrolet Malibu LT | $1,158 |
| Honda Accord EX-L 4-Dr Sedan | $1,164 |
| Nissan Rogue S AWD | $1,208 |
| Find Cheaper Rates Go | |
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in specific location information which can increase or decrease premiums considerably.
Based on these rates, you can figure that makes and models like the Hyundai Elantra, Honda CR-V, Toyota Prius, Ford Escape, and Ford F-150 will be a few of the cheaper vehicles to insure for drivers on welfare.
Insuring your vehicle with a high-quality car insurance provider can be a challenge considering how many companies are available to choose from in Texas. The company information shown next could help you choose which auto insurance companies to look at comparing rates from. These ratings are only made up of major nationwide insurance companies, so companies that focus mainly on Texas business are not taken into consideration for this 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Accidents and violations increase rates
The recommended way to find cheap auto insurance prices in Texas for drivers on welfare is to drive cautiously and have a clean driving record. The example below demonstrates how citations and at-fault fender-benders increase insurance rates for different categories of driver ages. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Fort Worth per year with no accidents or violations is $1,527. Receive one speeding ticket and the average cost swells to $1,733, an increase of $206 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for welfare recipients goes up to an average of $3,665. That’s an increase of $2,138, or $178 per month, just for being a little careless behind the wheel!
How to find economical insurance for welfare recipients
It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help you quote lower-cost auto insurance.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Increase your policy deductibles
- Earn discounts for being claim-free
- Don’t waste money on full coverage for older vehicles
- Avoid accidents
- Compare quotes from other companies often
The last idea is particularly significant, as we discussed in the prior article. Prices can change considerably based on profitability, so don’t be unwilling to buy from a different company if a more affordable rate is found. Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying a small fortune year after year. If you have a few minutes, compare prices and find cheaper car insurance for welfare recipients in Fort Worth.
The insurance agencies listed below can help you decide which policy is best, as lots of drivers aren’t clear which coverage they need and would like to have the advice of a professional agent when comparing insurance rates for welfare recipients. It can be difficult to do it yourself, and getting advice from a licensed agent can give comfort knowing your policy gives you adequate protection. To locate a Fort Worth car insurance agency closest to you, click the button below the list or click here to compare prices now.
- Allstate Insurance: Frank Sargent
6901 McCart Ave Ste 100 – Fort Worth, TX 76133 – (817) 370-1895 - Linda Allen – State Farm Insurance Agent
5328 Boat Club Rd – Fort Worth, TX 76135 – (817) 236-7200 - State Farm Insurance – Esmeralda Gutierrez
2219 W Berry St – Fort Worth, TX 76110 – (817) 923-2886