Your Insider’s Guide to Finding the Best Electricity Rates and Energy Plans in Uvalde
If you’re a long-time resident, a new mover, own a business, or need no-deposit electricity, this thorough guide will help you discover your ideal energy plan in Uvalde.
Uvalde Electricity Rates
| Provider | Plan | Price | Term | Cancellation Fee | Type | Docs | |
|---|---|---|---|---|---|---|---|
J | Just Energy | Smart Choice - 12 Credits | 7.6c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | SimpleSaver 12 Credits | 7.6c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 12 Credits | 7.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Plus 12 Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Plus 12 Green Credits | 7.7c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Lone Saver Plus 12 Green Credits | 7.8c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 13 Credits | 7.9c per kWh | 13 Mo | $250 | Fixed | |
A | APGE | SimpleSaver 8 Credits | 8.1c per kWh | 8 Mo | $150 | Fixed | |
4 | 4Change Energy | Maxx Saver Value 8 Credits | 8.2c per kWh | 8 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Maxx Saver Value 24 Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
R | Rhythm Energy | Rhythm Max Saver 24 Green Credits | 8.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | APGE | SimpleSaver 24 Credits | 8.5c per kWh | 24 Mo | $250 | Fixed | |
R | Rhythm Energy | Rhythm Saver 12 Green Credits | 9.0c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
D | Discount Power | Bill Credit Bundle 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus 24 Credits | 9.7c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Bill Bonus 12 Credits | 9.7c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | SimpleSaver 36 Credits | 9.9c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Smart Choice - 24 Credits | 11.3c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 12 Credits | 11.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Power Plus - 24 Credits | 11.8c per kWh | 24 Mo | $175 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Smart Break 12 Credits | 11.9c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 12 plan Credits | 12.5c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 24 plan Credits | 12.5c per kWh | 24 Mo | $295 | Fixed | |
A | Atlantex Power | Luminous 12 | 13.7c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
C | Constellation | 12 Month (No Min Usage Fee) | 13.8c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 13 | 14.2c per kWh | 13 Mo | $250 | Fixed | |
A | Atlantex Power | Luminous Green 12 Green | 14.2c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
A | APGE | True Simple 12 | 14.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 12 Green Credits | 14.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | Texas Bright 13 Green Credits | 14.4c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
D | Direct Energy | Live Brighter Lite 12 | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Clear Deal 12 Credits | 14.5c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | True Simple 24 | 14.7c per kWh | 24 Mo | $250 | Fixed | |
C | Constellation | 12 Month GREEN (No Min Usage Fee) | 14.8c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Pure Power 24 plan | 14.9c per kWh | 24 Mo | $295 | Fixed | |
R | Reliant | Pure Power 12 plan | 15.0c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 24 Green Credits | 15.0c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | 12th Month Free - 12 | 15.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | True Simple 36 | 15.2c per kWh | 36 Mo | $350 | Fixed | |
F | Frontier Utilities | Light Saver 12 | 15.3c per kWh | 12 Mo | $150 | Fixed | |
E | Energy Texas | Texas Bright 36 Green Credits | 15.3c per kWh | 36 Mo | $20/Mo remaining | Fixed | |
G | Gexa Energy | Gexa Light Saver 12 Green | 15.4c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Value 12 Green Credits | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Essential Saver 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Simple Advantage 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
C | Cirro Energy | Simple Advantage 12 | 15.5c per kWh | 12 Mo | $150 | Fixed | |
D | Direct Energy | Live Brighter Lite 24 | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Clear Deal 24 Credits | 15.5c per kWh | 24 Mo | $295 | Fixed | |
F | Frontier Utilities | Saver Value Plus 12 Credits | 15.6c per kWh | 12 Mo | $150 | Fixed | |
D | Discount Power | Wise Buy Basic 24 Online | 15.7c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Bright Secure 12 | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Value 12 Credits | 15.9c per kWh | 12 Mo | $150 | Fixed | |
R | Rhythm Energy | Simply Green 13 Green | 15.9c per kWh | 13 Mo | $20/Mo remaining | Fixed | |
A | Amigo Energy | Simply Days Free - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
T | Tara Energy | Weekends Free Plan - 24 | 16.0c per kWh | 24 Mo | $175 | TOU | |
A | Amigo Energy | Secure Energy - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Basics - 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 24 | 16.1c per kWh | 24 Mo | $175 | Fixed | |
R | Reliant | Basic Power 12 plan | 16.1c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Basic Power 24 plan | 16.1c per kWh | 24 Mo | $295 | Fixed | |
R | Rhythm Energy | Simply Green 23 Green | 16.2c per kWh | 23 Mo | $20/Mo remaining | Fixed | |
A | APGE | Rent Simple Saver 12 Credits | 16.3c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | Rent Simple Saver 13 Credits | 16.4c per kWh | 13 Mo | $250 | Fixed | |
J | Just Energy | Renters Choice - 12 | 16.5c per kWh | 12 Mo | None | Fixed | |
J | Just Energy | Basics - 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
J | Just Energy | Simple Choice- 12 | 16.5c per kWh | 12 Mo | $175 | Fixed | |
D | Direct Energy | Live Brighter 1K+ 24 | 16.7c per kWh | 24 Mo | $295 | Fixed | |
A | Amigo Energy | Simply Days Free - 12 | 16.8c per kWh | 12 Mo | $175 | TOU | |
A | APGE | Rent Simple Saver 24 Credits | 16.9c per kWh | 24 Mo | $250 | Fixed | |
A | APGE | Rent Simple Saver 18 Credits | 17.3c per kWh | 18 Mo | $250 | Fixed | |
4 | 4Change Energy | Cash Money 12 Credits | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | One Rate 12 | 17.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
G | Green Mountain | Pollution Free Conserve 12 Preferred Green | 17.5c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Conserve 24 Preferred Green | 17.5c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | Rent Simple Saver 36 Credits | 17.5c per kWh | 36 Mo | $350 | Fixed | |
J | Just Energy | Simple Value - 24 Credits | 17.7c per kWh | 24 Mo | $175 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 24 Preferred Green | 17.7c per kWh | 24 Mo | $295 | Fixed | |
G | Green Mountain | Pollution Free e-Plus 12 Preferred Green | 17.7c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 36 Credits | 17.9c per kWh | 36 Mo | $175 | Fixed | |
D | Discount Power | Bill Credit Bundle Essential 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Base 12 Credits | 17.9c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Simple Value - 12 Credits | 18.0c per kWh | 12 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Value 12 Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Lite 12 Green Credits | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Simple Rate 12 | 18.1c per kWh | 12 Mo | $150 | Fixed | |
4 | 4Change Energy | Power Maxx Saver 24 Credits | 18.3c per kWh | 24 Mo | $20/Mo remaining | Fixed | |
4 | 4Change Energy | Power Maxx Saver 12 Credits | 18.3c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
F | Frontier Utilities | Saver Deluxe 12 Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Advantage 12 Green Credits | 18.8c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 12 Credits | 19.1c per kWh | 12 Mo | $175 | Fixed | |
A | APGE | Ultra Flex 1 | 19.1c per kWh | 1 Mo | None | Fixed | |
A | APGE | High Usage Saver12 Credits | 19.2c per kWh | 12 Mo | $150 | Fixed | |
J | Just Energy | Mega Saver - 24 Credits | 19.3c per kWh | 24 Mo | $175 | Fixed | |
F | Frontier Utilities | Saver Premier 12 Credits | 19.3c per kWh | 12 Mo | $150 | Fixed | |
G | Gexa Energy | Eco Saver Premier 12 Green Credits | 19.4c per kWh | 12 Mo | $150 | Fixed | |
A | APGE | High Usage Saver13 Credits | 19.4c per kWh | 13 Mo | $250 | Fixed | |
R | Rhythm Energy | Watt a Deal 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
E | Energy Texas | The Texas Two-K 12 Green Credits | 19.5c per kWh | 12 Mo | $20/Mo remaining | Fixed | |
P | Payless Power | 12 Month - Prepaid - No Deposit & No Credit Check Credits | 19.7c per kWh | 12 Mo | $49 | Prepay | |
P | Payless Power | 6 Month - Prepaid -No Deposit & No Credit Check Credits | 19.7c per kWh | 6 Mo | $49 | Prepay | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
T | TXU Energy | Ultimate Season Pass 12 | 19.7c per kWh | 12 Mo | $150 | TOU | |
A | APGE | High Usage Saver24 Credits | 19.9c per kWh | 24 Mo | $250 | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
T | TXU Energy | Flex Forward | 20.1c per kWh | 1 Mo | None | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
D | Discount Power | Bill Credit Bundle 2000 kWh 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 12 Credits | 20.2c per kWh | 12 Mo | $150 | Fixed | |
C | Cirro Energy | Bill Bonus Saver 24 Credits | 20.2c per kWh | 24 Mo | $295 | Fixed | |
A | APGE | High Usage Saver36 Credits | 20.5c per kWh | 36 Mo | $350 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 12 plan Credits | 20.6c per kWh | 12 Mo | $150 | Fixed | |
R | Reliant | Power Savings 2,000 kWh 24 plan Credits | 20.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Solar Saver 12 Credits | 20.9c per kWh | 12 Mo | $150 | Fixed | |
G | Green Mountain | Pollution Free Green Savings Plus 24 Preferred Green Credits | 21.6c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 12 Credits | 22.0c per kWh | 12 Mo | $150 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
T | TXU Energy | Saver's Discount 24 Credits | 23.3c per kWh | 24 Mo | $295 | Fixed | |
D | Direct Energy | Twelve Hour Power 12 Credits | 23.5c per kWh | 12 Mo | $150 | TOU |
As a resident or business owner within Uvalde, you can choose the electricity provider that best meets your specific needs.
Compare Power is a free consumer service established in 2009 to help residents of Uvalde search for their lowest-rate electricity plan.
Plan information is presented in a user-friendly format that enables a quick and simple comparison of available plans and options.
Competing plans from many different electricity providers are displayed in a powerful layout that makes comparing your options simple and quick.
This assists Texas energy customers in avoiding hidden markups and advertising gimmicks by comparing plans “apples-to-apples” without consuming hours and hours making phone calls or clicking through hundreds of different websites.
Electricity Price Trends in Uvalde
Energy in Uvalde is deregulated. As a resident, you have a choice when picking a retail electricity provider (your energy company), which gives you insight and command over your energy bill.
Deregulation of energy in Texas de-monopolized the energy market for most of the state, the city of Uvalde included, which introduced massive competition.
As a result, many fantastic power companies compete for your business in Uvalde by offering low rates, making it a great time to shop, switch, and lower costs on your electricity bill.
As many as 60-100 energy companies compete for your business in Uvalde and hundreds of plans.
Average Electricity Rates in Uvalde
January 2026The average residential electricity rate in Texas is 16.1¢, 14% less than the U.S. average.
EIA Rates
Residential · Texas · last 24 months
- Latest
- 15.7¢/kWh
- Period avg
- 15.3¢/kWh
- Min
- 14.5¢/kWh
- Max
- 16.1¢/kWh
Got me the cheapest electric. Nice.
How to Find the Best Energy Plan in Uvalde
#1 rule: Determine what your usage is!
Knowing how much energy you will consume monthly is the ideal way to find a deal on power in Uvalde. Why should you care?
The rate electricity providers advertise for an exact monthly usage (typically 2000 kWh).
Every plan has a different calculation for how your monthly statement is calculated, and your monthly bill will vary depending on how much energy you use in a month.
Unless you use the advertised amount each month, you will pay a “price per kWh” different than the one you saw advertised when you signed up.
Fortunately, there’s a better way to choose your energy company.
Calculating your expected monthly bill based on expected monthly usage, then comparing plans by total monthly cost is the best way to shop for the lowest rate for your household.
Even better, if you have a year of usage history for your household, you can compare plans by total annual cost. This annualized method considers the changes in usage between the summer and winter months and is the ideal way to find the ideal energy plan for your home.
Compare Power does all this math for you instantly. What takes hours inside a spreadsheet is now solved in just seconds.
We put you in the driver’s seat, taking what would amount to hours of investigation, spreadsheets, and calculations across hundreds of offers to guide you to the electricity plan that’s best for your household’s usage.
We clarify the details, disclosing all fees, so you’ll know exactly where your money goes and what to expect on your bill.
We then help you enroll with your selected power provider without ever leaving our website.
The bottom line is you must know your expected or historical usage before picking the right energy plan for your home.
If you don’t know your usage, estimate
If you cannot acquire 12 months of historical usage or own a brand new home, the next best thing is to estimate how much energy you will use in an average month.
While not as optimal as having all the previous 12 months of usage, estimating your average usage is better than blindly picking the first plan you see advertised by an electricity provider at a specific usage that isn’t what you’ll consume.
Use Compare Power to shop for the best energy plan for your specific usage.
Moving to Uvalde: Setting up Electricity
If this is your first time setting up electricity service in Uvalde, you need to get the best rate for your new home for the previous 12 months of energy usage.
Ask the previous homeowner to provide you with their past 12 months of usage.
This information is readily found in recent billing statements.
Acquiring usage for the past 12 months may take effort, but the time (and savings) will be well worth it.
Once you have historical usage, Compare Power will do the math instantly to help you find the best plan for your home’s usage pattern.
Note: You can estimate your monthly usage if you can’t obtain a usage history. Utilize our “Help Me Choose” tool when you enter your zip code below, and we’ll help you evaluate your home’s usage.
By signing up for a plan through Compare Power, you will receive automated reminders when renewing your existing plan or possibly switching plans.
Switching Electricity Companies in Uvalde
Switching is good. Market conditions are constantly in flux, so shopping for a lower rate each year when your contract expires is essential.
Your existing electricity provider will typically raise your energy rate once your term expires. If you fail to take action, you’ll be left on a month-to-month rate significantly higher than the plan you signed up for.
Before renewing your contract, check the rates of competing energy companies.
Switching can save you hundreds or thousands of dollars yearly on your electricity bill.
Switching is easy:
- You don’t have to call your current provider to cancel (no “break-up call”)
- No one comes to your home
- There is no disruption in your electricity supply
- It takes just minutes
When you switch, your new electricity provider will handle everything, including terminating service with your previous company.
Your lights stay on when you switch. Electricity in Uvalde is all delivered by the Oncor Transmission and Distribution Utility.
The wires and poles that deliver electricity to your home do not change when you switch energy companies. Therefore the reliability of your service is not affected.
You can choose any date within 14 days of your contract expiration without an “early termination” penalty. That’s Texas Law.
If you’re still under contract, check how many months remain on your contract. You can set a future start date with most providers up to 6o days in advance.
The amount saved each month by switching to a different electricity company may outweigh the one-time fee to get out of your contract early.
If you are unsure, email us your latest energy bill, and one of our team members will get back to you promptly with your best options.
If you’re ready to switch and want to find the best plan, remember that understanding your usage is the best way to find the lowest price.
You will want to find your past usage for the past 12 months to determine the best plan with the lowest rate for your household.
Uvalde Energy Companies
Showing 30 active providers · residential. Sorted by Google rating.
Looking for a great electric company in Uvalde?
You can sign up for service with great companies such as TXU Energy, Reliant, and Direct Energy.
Click on your chosen company to sign up, learn more, or view current rates.
No-Deposit Electricity Plans in Uvalde
Need to find an energy plan in Uvalde that doesn’t require a deposit?
If your first choice of plans charges a deposit, Compare Power will automatically show you additional plans that require no money down.
Instead of calling many energy companies or browsing websites to determine if different electricity companies need a deposit, this will save you tremendous time and effort.
Working for you, we will instantly review any deposit requirements for other plans, allowing you to get power and return to your regular activities stress-free.
Learn how to get no-deposit lights.
Deposit Waivers
You may be eligible to waive the deposit if you meet one of the Texas Public Utility Commission §25.478 - PUCT §25.478.
Uvalde Business Energy Plans
If you run a business in Uvalde, you’re not alone.
Uvalde has become a thriving place for many small to mid-sized companies. The city is small enough to get to know people and thrive, yet close enough to large metropolitan cities that provide even more growth opportunities.
Compare prices from competing energy companies to manage your electricity costs.
Compare Power bridges the gap between your business and energy companies by inviting various energy companies to compete for your business in a sealed bid process.
You submit your information on Compare Power, and the providers will present their bids. You choose the cheapest rate. Simple, quick, and easy.
Click here** to get competing quotes for your business electricity.**
Uvalde Utilities
Electricity
To learn more about smart meters or to download your electricity usage, visit (866) 223-8508.
To report an issue with your electricity service or power outages in Uvalde, visit the https://outagemap.aeptexas.com/ or call them at (866) 223-8508.
Gas
For gas service in Uvalde, call or visit Uvalde’s official city website to determine who your provider is.
Waster/Sewer/Garbage/Recycling
In Uvalde, the City of Uvalde usually handles water, garbage, sewer, and recycling services.
Other Utility Service Areas in Texas
Not in the AEP Central Service area? Search low electricity rates by service area and local utility company.
Click on your Texas Distribution Utility (TDU) below to compare electricity rates in your service area.
- CenterPoint
- Oncor
- Texas-New Mexico Power (TNMP)
- AEP Texas North
- AEP Texas Central
- Sharyland Utilities
View Electricity Prices for Zip Codes in Uvalde
Find cheap electricity rates by zip code. Click on your zip code below to find competitive rates in your area.
Popular TX ZIP codes
- 75001
- 75002
- 75006
- 75007
- 75009
- 75010
- 75011
- 75013
- 75015
- 75019
- 75020
- 75021
- 75022
- 75023
- 75024
- 75025
- 75028
- 75032
- 75033
- 75034
- 75035
- 75036
- 75038
- 75039
- 75040
- 75041
- 75042
- 75043
- 75044
- 75046
- 75048
- 75050
- 75051
- 75052
- 75054
- 75056
- 75057
- 75058
- 75060
- 75061
Showing 40 of 1321 TX ZIP codes.
View Electricity Prices for Cities Near Uvalde
Are you looking for a cheap electricity rate in another city? Find your city below and click to sign up for a low-cost electricity plan.
If your city is not on the list, use the zip code finder for a rate lower than what you currently pay in your city.