Who Has Cheap Car Insurance Quotes for 18 Year Olds in Texas?

You have most likely seen the captivating commercials from insurers like The General and Allstate that make promises of the cheapest price, so drivers should just pick the company with the best ad, right?

It’s not that easy, however, as there are a whole bunch of unknown factors such as if you are a homeowner, the area where you live, if you need full coverage or just liability, and what deductibles you want to use, that all have an effect on the price. This article delves into these topics and will hopefully give the reader a solid foundation to find cheaper car insurance.

Finding out which company quotes the best auto insurance rates for 18 year olds may require more work in order to find the lowest price. Each insurer has a unique formula to determine rates, so we will examine the auto insurance companies with the overall cheapest rates in Texas.

We do need to point out that Texas auto insurance rates are influenced by many factors that control the cost of coverage. Turning one year older, marrying your spouse, or getting a DUI can trigger rate changes resulting in some companies being cheaper than competitors.

Best Car Insurance Prices for Teens

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Travelers offers some of the most affordable car insurance rates in Texas at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Texas auto insurance companies.

In the above rates, if you currently have coverage with Germania Mutual and switched to USAA, you may see a yearly price reduction of about $161. Drivers with Esurance may save as much as $326 a year, and California Casualty insureds might see rate reductions of $329 a year.

To find cheap auto insurance for 18 year olds in Texas, click here to start your free quote or quote rates from the companies below.

These estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a price increase for 18 year olds. So the insurer that is best suited for you may not even be included in the list of companies shown earlier. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The car, truck, or SUV you are insuring is one of the biggest factors when looking for cheap auto insurance for 18 year olds in Texas. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.

The table below shows coverage costs for some of the cheaper vehicles to buy coverage for.

Data variables include single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific garaging location which can alter price quotes greatly.

Based upon the rates shown, we can assume that cars like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius will definitely be a few of the less-costly vehicles to insure for teen drivers. The price for car insurance will be more expensive because of the fact that there is more claim exposure for 18 year olds, but in general those particular models will most likely have the best rates compared to other vehicles.

Progressive, Allstate, State Farm, or Geico: Which is best?

When buying auto insurance for teen drivers, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. The next table breaks down some of the ratings and options that are available for buyers.