It would sure be easy if we could just give you the name of the one Texas auto insurance company that has the rock bottom lowest rates in Texas. It’s not that simple, unfortunately, as there are a whole slew of unknown factors like if you have ever let your policy lapse, what coverage limits you need, whether you are female or male, and where you live in Fort Worth, that all go into determining the rate you pay. This article will cover some of these factors and will hopefully give the reader a good start in finding the cheapest insurance.
Finding out which companies quote the cheapest auto insurance rates for 19 year olds will take a little more effort in order to find the best price. Each insurance company uses their own formula to determine premium rates, so let’s look at the rankings for the most competitive auto insurance companies in Texas.
It’s important that readers know that Fort Worth auto insurance rates are calculated based on many things that can increase the cost of coverage. Simply getting older, buying a home, or having a fender bender can trigger rate changes resulting in some companies being more affordable than the competition.
Best Auto Insurance Prices for Teens
Travelers quotes some of the best car insurance rates in Fort Worth at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the lowest-priced Fort Worth, TX insurance companies.
As depicted above, if you are currently insured with Germania Mutual and switched to USAA, you may see savings of in the neighborhood of $160. Policyholders with Esurance could save as much as $323 a year, and California Casualty policyholders might reduce rates by $354 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
Understand that those premiums are averaged across all types of insureds and vehicles and and are not calculated with a specific vehicle garaging location for 19 year olds. So the insurer that fits your situation best may not even be in the top 23 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The vehicle to be insured is a large factor when shopping around for the best coverage for 19 year olds. Vehicles with lots of horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.
The next list outlines coverage costs for a number of the most budget-friendly automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $3,150 |
| Hyundai Elantra GLS Touring Station Wagon | $3,156 |
| Honda CR-V EX 4WD | $3,192 |
| Toyota Prius | $3,450 |
| Ford F-150 XL Regular Cab 4WD | $3,521 |
| Dodge Grand Caravan CV | $3,527 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,671 |
| Honda Civic DX 4-Dr Sedan | $3,697 |
| Honda Odyssey EX W/Rear Entertainment | $3,707 |
| Nissan Altima 2.5 4-Dr Sedan | $3,739 |
| Chevrolet Equinox LS AWD | $3,747 |
| Chevrolet Malibu Hybrid | $3,739 |
| Toyota Camry LE | $3,747 |
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Prices above based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in your specific Fort Worth, TX location which can lower or raise coverage prices substantially.
Looking at the data, vehicles like the Ford Escape, Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford F-150 should be some of the most affordable vehicles to insure for teenage drivers. The price for an auto insurance policy will trend higher just because there is more liability risk for 19 year olds, but in general those models will most likely have the lowest prices compared to other vehicles.
For teenage drivers, one of the big criteria that are used to help calculate car insurance rates is where you keep your car in Fort Worth. Areas with increased crime or more people tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The illustration below rates the most expensive cities in Texas for 19 year olds to purchase auto insurance in. Fort Worth ranks #18 costing $1,621 on average, which is around $135 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Laredo | $1,907 |
| 3 | Houston | $1,891 |
| 4 | Brownsville | $1,851 |
| 5 | Dallas | $1,837 |
| 6 | Mesquite | $1,825 |
| 7 | Grand Prairie | $1,811 |
| 8 | Garland | $1,796 |
| 9 | Irving | $1,789 |
| 10 | Amarillo | $1,786 |
| 11 | Pasadena | $1,758 |
| 12 | Beaumont | $1,754 |
| 13 | Lubbock | $1,733 |
| 14 | San Antonio | $1,722 |
| 15 | Arlington | $1,692 |
| 16 | Carrollton | $1,664 |
| 17 | Corpus Christi | $1,636 |
| 18 | Fort Worth | $1,621 |
| 19 | El Paso | $1,616 |
| 20 | Austin | $1,610 |
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Premium costs are approximated as the specific area where the vehicle is garaged can revise premiums considerably.
The information below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for 19 year olds. The data is based on a single female driver, full coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could save $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by using a $1,000 deductible. Younger drivers, like the 20-year-old example, could reduce their rates as much as $920 or even more by choosing a higher deductible.
When raising deductibles, it’s a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Choosing the top insurance company is difficult considering how many different insurance companies sell coverage in Fort Worth. The company information in the next section may help you analyze which companies you want to consider when shopping car insurance rates for 19 year olds. The ratings below are for large nationwide companies, so companies with more of a regional focus are not factored into 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 |
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Data Source: Insure.com Best Car Insurance Companies
Shop around and save
Fort Worth, TX auto insurance rates are influenced by many factors that will increase or decrease the cost of having a policy. Getting older, moving to a different location, or having an at-fault accident may cause policy rate changes resulting in some rates now being affordable when they were higher priced. In addition, companies modify pricing multiple times each year to adjust for unexpected claims or profits. Significantly higher losses may result in more expensive premiums, while less frequent claims can cause cheaper Fort Worth car insurance rates.
The graph below shows the companies that have the cheapest car insurance in Fort Worth, TX for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. If we estimate prices based on his current risk profile, Travelers quotes the best car insurance rates in Fort Worth at $1,125 per year. This is $779 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best Fort Worth, TX auto insurance companies.
In this next rate comparison, we will give the driver in the first chart an accident surcharge, bad credit, and a couple of points charged on his driving record. Since each auto insurance company uses their own method to determine rates, comparing prices may now show a different ranking of the cheapest Fort Worth car insurance companies as shown below.
State Farm now has the cheapest rate in Fort Worth, TX with Mercury, Safe Auto, Nationwide, and USAA also being competitive. This shows why consumers need to take the time to perform an extensive rate comparison to find the most affordable auto insurance rates for 19 year olds. Insurance rates can be altered by many different factors and can change without notice, so the cheapest option the last time you shopped your coverage around may now be one of the higher cost companies.