The car, truck, or SUV needing coverage is probably the biggest factor when shopping around for the best cheap auto insurance for high school students. Vehicles with high performance engines, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than more modest models.
The information below presents auto insurance prices for a number of the most budget-friendly vehicles to insure in Texas.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,224 |
| Honda CR-V EX 4WD | $4,263 |
| Honda Accord EX-L 4-Dr Sedan | $4,523 |
| Toyota Prius | $4,565 |
| Honda Odyssey LX | $4,710 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $4,750 |
| Ford F-150 XL Regular Cab 4WD | $4,760 |
| Chevrolet Impala LT | $5,009 |
| Chevrolet Equinox LT 2WD | $5,016 |
| Chevrolet Malibu Hybrid | $5,009 |
| Toyota RAV4 2WD | $5,018 |
| Jeep Grand Cherokee Laredo 4WD | $5,009 |
| Ford Explorer Limited 4WD | $5,051 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,057 |
| Dodge Grand Caravan Crew | $5,051 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,227 |
| Honda Civic LX 4-Dr Sedan | $5,232 |
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in zip code location which can alter coverage rates considerably.
Based upon the table data, makes and models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Honda Odyssey will be the cheaper vehicles to insure for teenagers. Prices will be higher anyway because there is more claim exposure for high school students, but generally speaking those makes and models will tend to have the best rates available.
One of the more important factors that are looked at to help calculate the price you pay for insurance is where you normally keep your vehicle in Fort Worth. Larger areas are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The following table rates the priciest cities in Texas for high school students in which to purchase auto insurance. Fort Worth is listed at #18 with a yearly cost of $1,621 for the average insured, which is around $135 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,911 |
| 4 | Laredo | $1,907 |
| 5 | Houston | $1,835 |
| 6 | Mesquite | $1,807 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Garland | $1,778 |
| 11 | Beaumont | $1,754 |
| 12 | San Antonio | $1,739 |
| 13 | Irving | $1,719 |
| 14 | Arlington | $1,692 |
| 15 | Lubbock | $1,665 |
| 16 | Corpus Christi | $1,636 |
| 17 | Austin | $1,627 |
| 18 | Fort Worth | $1,621 |
| 19 | Carrollton | $1,598 |
| 20 | El Paso | $1,584 |
| 21 | Waco | $1,584 |
| 22 | McKinney | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
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Prices are approximated as the specific area where the vehicle is garaged can increase or decrease coverage rates substantially.
Liability only or full coverage
Finding cheaper auto insurance is important to the majority of people, and one of the fastest ways to pay lower rates for insurance for high school students is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.
If the expense is averaged for all age categories, full coverage on your policy costs $2,429 per year more than carrying just liability coverage. Many drivers will wonder if it’s worth it to buy full coverage. There is no definitive guideline of when to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,500 after paying your policy deductible. If you are paying over $650 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
Best auto insurance company in Fort Worth
Insuring your vehicle with the best auto insurance provider can be rather challenging considering how many different companies sell coverage in Texas. The company ratings in the next section can help you pick which car insurance providers to look at comparing rate quotes with.
These rankings are only made up of large insurance companies, so smaller companies that only insure vehicles in Texas are not taken into consideration for these rankings. To get price quotes from these companies and more, click here.
Top 10 Major Auto Insurers in Fort Worth Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Types of discounts on Fort Worth insurance rates
Insurance companies that provide coverage for high school students may also provide premium discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A list of companies and a partial list of their discounts can be found below.
- AAA policyholders can earn discounts including good student, multi-car, pay-in-full, education and occupation, and good driver.
- Progressive may offer discounts for multi-policy, continuous coverage, online quote discount, multi-vehicle, good student, and homeowner.
- State Farm may include discounts for defensive driving training, safe vehicle, multiple autos, good student, and Steer Clear safe driver discount.
- Esurance may have discounts that include homeowner, online quote, renters, online shopper, and defensive driver.
- Nationwide includes discounts for accident-free, multi-policy, anti-theft, good student, defensive driving, and easy pay.
The chart below illustrates the difference between insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, anti-theft, passive restraint, continuous coverage, vehicle safety, and good student discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for high school students is 28% or $746.
The insurance agencies listed below can most likely aid you in deciding which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when comparing insurance rates for high school students. It can be difficult to find the best rates on your own, and getting professional guidance from a licensed agent can bring peace of mind knowing your coverage gives you enough coverage if you have a claim. To locate a Fort Worth auto insurance agent close to you, click the button after the list or click here to compare rates now.
- State Farm Insurance – Larry Wilkerson
8651 John T White Rd #103 – Fort Worth, TX 76120 – (817) 795-1196 - Kilpatrick Insurance Agency
2410 Montgomery St – Fort Worth, TX 76107 – (817) 731-8771 - Doc Jackson Insurance Agency
3305 Miller Ave – Fort Worth, TX 76119 – (817) 535-5000 - Lucien Wright Insurance Services
6000 Western Pl #100 – Fort Worth, TX 76107 – (817) 335-3400 - Hall Insurance Agency, Inc.
3559 Williams Rd Suite 110 – Fort Worth, TX 76116 – (817) 370-0125
More insurance agents in Fort Worth, TX
How to find cheaper car insurance for high school students
It’s not impossible to find cheaper rates, and here are many penny-pinching ideas that can help Texas drivers find cheaper car insurance.
- Safe vehicles generally have lower rates
- Do not pay for full coverage if not needed
- Save money by observing traffic laws and speed limits
- Avoid filing excessive claims
- Remain accident-free and save
- Insure your home and auto with the same company
- Comparison shop frequently
That final tip is remarkably significant, as was affirmed in this piece. Auto insurance rates in Fort Worth change a lot, so don’t be unwilling to switch to a new company if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars a year. Spend a few minutes and compare prices and find cheaper auto insurance for high school students.