This would be a much quicker read if we could tell you the one auto insurance company that has the best car insurance rates in Texas. Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements like the crash test ratings of your vehicle, what liability limits you need, and if you are a man or woman. This article will discuss some of these topics and will hopefully give you some help in finding cheaper rates.
One of the more important factors that are used to help calculate insurance cost is the neighborhood you call home. More densely populated places tend to pay more, whereas areas with less crime or weather claims benefit from lower prices.
The next table rates the most expensive cities in Texas for young drivers in which to buy car insurance. Fort Worth shows up at #18 with the annual price of $1,621 for coverage, which is approximately $135 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,909 |
| 4 | Brownsville | $1,908 |
| 5 | Laredo | $1,907 |
| 6 | Amarillo | $1,858 |
| 7 | Mesquite | $1,807 |
| 8 | Pasadena | $1,794 |
| 9 | Garland | $1,778 |
| 10 | Beaumont | $1,772 |
| 11 | Grand Prairie | $1,740 |
| 12 | Irving | $1,719 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,688 |
| 16 | Carrollton | $1,664 |
| 17 | Corpus Christi | $1,636 |
| 18 | Fort Worth | $1,621 |
| 19 | Austin | $1,610 |
| 20 | Waco | $1,584 |
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Rate quotes are approximated as vehicle location can lower or raise price quotes greatly.
The vehicle model on the policy is a large consideration that determines the availability of economical car insurance for young drivers. Vehicles with lots of horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The information below illustrates insurance premiums for a selection of the most affordable vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $4,000 |
| Honda CR-V EX 4WD | $4,043 |
| Ford Escape Limited 2WD | $4,048 |
| Toyota Prius | $4,348 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $4,442 |
| Ford F-150 STX Regular Cab 2WD | $4,448 |
| Dodge Grand Caravan CV | $4,485 |
| Honda Odyssey EX W/Rear Entertainment | $4,705 |
| Ford Focus S 4-Dr Sedan | $4,712 |
| Ford Edge SEL 2WD | $4,705 |
| Toyota RAV4 Sport 2WD | $4,747 |
| Nissan Altima 2.5 4-Dr Sedan | $4,756 |
| Toyota Camry LE | $4,747 |
| Ford Fusion S 4-Dr Sedan | $4,756 |
| Volkswagen Jetta S 4-Dr Sedan | $4,747 |
| Chevrolet Equinox LT 2WD | $4,757 |
| Jeep Grand Cherokee Laredo 4WD | $4,747 |
| Ford Explorer Limited 4WD | $4,790 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $4,799 |
| Toyota Corolla LE | $5,008 |
| Chevrolet Impala LTZ | $5,017 |
| Hyundai Elantra GLS 4-Dr Sedan | $5,008 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $5,050 |
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Cost estimates assume single male driver age 17, 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 Fort Worth, TX garaging location which can influence insurance rates greatly.
By looking at the data, makes and models like the Honda Accord, Honda CR-V, and Ford Escape are most likely to be a few of the cheaper vehicles to insure for youthful drivers. The price for an auto insurance policy will be higher anyway just due to the fact that there is more exposure for young drivers, but generally speaking those models will probably have the lowest prices compared to other types of vehicles.
Finding decent, cost effective car insurance is tough enough, and deciding which companies quote the cheapest auto insurance rates for young drivers requires even more shopping around. Every car insurance company uses slightly different criteria for establishing rates, so first let’s look at the rankings for the most affordable auto insurance companies in Fort Worth, TX.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,072 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,646 |
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Travelers generally has some of the most affordable car insurance rates in Fort Worth at around $1,010 a year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Fort Worth, TX auto insurance companies.
In this example, if you currently buy coverage from USAA and switched to Travelers, you might realize a yearly savings of approximately $85. Customers with Texas Farm Bureau could save as much as $189 a year, and Germania Mutual policyholders might lower prices by $246 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or visit several of the following companies.
Remember that these prices are averages across all drivers and vehicles and are not factoring in a specific location for young drivers. So the company that has the cheapest price for you may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own individual information.
Careless driving habits raise Fort Worth auto insurance rates
The obvious way to get the cheapest auto insurance premiums in Texas for youthful drivers is to be a safe driver and avoid accidents and violations. The chart below demonstrates how traffic citations and accident claims can affect insurance premiums for different age groups of insureds. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $2,490. Receive two speeding tickets and the average cost swells to $3,450, an increase of $960 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for young drivers increases to an average of $4,435. That’s an increase of $1,946, or $162 per month, just for a couple of infractions!
Insuring your vehicle with the best insurance company is difficult considering how many different companies sell coverage in Texas. The company rank data below can help you pick which insurers to look at when shopping your coverage around. The rankings below only include companies with a nationwide focus, so companies that focus mainly on Texas business are not factored into the list.
Top 10 Major Auto Insurance Providers in Fort Worth Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Providers in Fort Worth Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Get discount Fort Worth auto insurance
Auto insurance companies that provide coverage for young drivers may also offer premium discounts that can lower rates by 35% or more if you qualify. A list of companies and some of the discounts are outlined below.
- Progressive has discounts for multi-policy, homeowner, online signing, good student, online quote discount, multi-vehicle, and continuous coverage.
- SAFECO offers discounts including anti-lock brakes, bundle discounts, safe driver, drive less, and multi-car.
- American Family may have discounts that include early bird, good driver, mySafetyValet, accident-free, air bags, and TimeAway discount.
- MetLife includes discounts for accident-free, good student, good driver, defensive driver, multi-policy, and claim-free.
- GEICO offers discounts for multi-vehicle, defensive driver, seat belt use, driver training, and multi-policy.
- The Hartford policyholders can earn discounts including defensive driver, air bag, anti-theft, driver training, bundle, and vehicle fuel type.
The example below illustrates the comparison of auto insurance rates with and without discounts applied. The rates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, paid-in-full, passive restraint, paperless filing, vehicle safety, and good student discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for young drivers is 28% or $768.
How to find cheaper car insurance for young drivers
It is possible to find better rates, and here are some of the better thrifty suggestions that can help you get cheaper auto insurance.
- Lower rates by purchasing a safer vehicle
- You will pay more if you get tickets or have at-fault accidents
- Avoid having at-fault accidents
- Good credit scores may make rates cheaper
- Save money by staying claim-free
- Shop your coverage around for the best deal
The last tip in the list is incredibly vital, as was discussed in this piece. Prices charged by auto insurers in Fort Worth can change significantly in a year, so you should be ready to buy from a different company if a more affordable price is available.
Brand loyalty is not necessarily bad, but it’s not a good idea if it’s costing you big bucks every year. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for young drivers.