Cheapest Car Insurance for Young Drivers in Texas

The type of vehicle you are buying coverage for is a large factor in finding the cheapest auto insurance for young drivers in Texas. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models. The information below outlines insurance costs for a number of the cheaper vehicles to buy insurance for.

Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location information which can impact insurance rates noticeably.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in your specific Texas location which can alter coverage prices considerably.

Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location information which can impact premiums noticeably.

For youthful drivers, one of the largest criteria that help determine rate quotes is where your residence is in Texas. Areas that are more densely populated like McAllen, Dallas, and Garland likely pay more, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The following table ranks the most expensive areas in Texas for young drivers to purchase car insurance in.

Prices are estimated as the specific garaging location can modify premiums greatly.

How to get discounts on Texas car insurance rates

Car insurance companies that sell the cheapest auto insurance for young drivers in Texas may also give you special discounts that could lower prices by 35% or more if you meet certain criteria. A list of auto insurance companies and a summarized list of policyholder discounts can be read below.

• GEICO has discounts for emergency military deployment, membership and employees, anti-theft, multi-vehicle, and federal employee.
• Auto-Owners Insurance discounts include mature driver, anti-theft, good student, multiple vehicles, and teen driver.
• American Family includes discounts for air bags, good driver, early bird, bundled insurance, good student, and defensive driver.
• Esurance offers premium reductions for emergency road assistance, Pac-12 alumni, anti-lock brakes, renters, safety device, and good driver.
• Progressive policyholders can earn discounts including homeowner, online quote discount, online signing, good student, multi-vehicle, multi-policy, and continuous coverage.
• State Farm has savings for Steer Clear safe driver discount, Drive Safe & Save, driver’s education, defensive driving training, accident-free, and student away at school.
• AAA may have discounts that include anti-theft, AAA membership discount, good driver, multi-policy, good student, and pay-in-full.

The diagram below shows the comparison of car insurance costs with and without discounts applied to the rates. The data is based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, continuous coverage, paid-in-full, vehicle safety, good student, and passive restraint discounts applied. When drivers take advantage of discounts, the the average yearly reduction on auto insurance for young drivers is 28% or $594.

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Buying coverage from a highly-rated car insurance provider can be difficult considering how many companies sell insurance in Texas. The rank data displayed below could help you analyze which insurers to look at when buying insurance for young drivers.

These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in the list. If you wish to compare prices and find the cheapest rates for young drivers, follow this link.

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

When it comes to auto insurance for youthful drivers in Texas, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has a unique set of features, discounts, and options that may influence which company you choose. The table below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages offered by each one.