How Much are Auto Insurance Quotes for Drivers with Accidents in Texas?

The vehicle model driven is probably the biggest factor when comparing the best auto insurance for drivers with accidents. Vehicles with average performance, a great safety record, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.

The next list features auto insurance prices for a selection of the most economical automobiles to buy insurance for.

Data assumes single male driver age 50, no speeding tickets, two at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in specific garaging location which can raise or lower coverage prices substantially.

Based on these rates, vehicles like the Ford Escape, Hyundai Elantra, Chevrolet Traverse, and Honda CR-V will be the most affordable vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will trend higher just because there is more risk for drivers with accidents, but in general those makes and models will probably have the cheapest auto insurance rates compared to other types of vehicles.

For drivers with at-fault accidents, one of the largest criteria that control the price you pay for insurance is the neighborhood you call home in Texas. More densely populated places like McAllen, Houston, and Laredo will most likely have higher rates, whereas areas that are not as densely populated receive better rates.

The illustration below shows the more expensive cities in Texas for drivers with accidents to buy an auto insurance policy in.

Rate information is approximated as the specific garaging location can affect insurance rates greatly.

The example below illustrates how your deductible choice can impact insurance premiums when trying to find cheap insurance for drivers with accidents. The price estimates are based on a married female driver, full coverage, and no other discounts are factored in.

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The chart above illustrates that a 50-year-old driver could save $260 a year by switching from a $100 deductible to a $500 deductible, or save $394 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could reduce their rates as much as $646 each year by selecting a higher deductible.

When increasing deductibles, it’s a good idea to have enough savings set aside to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Get discount Texas car insurance rates

Insurance providers that offer cheap insurance for drivers with accidents in Texas may provide discounts that can reduce rates by 25% or more if you can meet the requirements. Companies and their offered discounts are outlined below.

• Farm Bureau offers premium reductions for multi-vehicle, renewal discount, 55 and retired, youthful driver, driver training, and good student.
• MetLife offers discounts for defensive driver, accident-free, claim-free, good driver, good student, multi-policy
• Progressive has savings for continuous coverage, good student, multi-policy, multi-vehicle, online signing, online quote discount, and homeowner.
• AAA has discounts for AAA membership discount, anti-theft, education and occupation, multi-car, good driver, good student, and pay-in-full.
• American Family includes discounts for good driver, bundled insurance, mySafetyValet, Steer into Savings, multi-vehicle, accident-free, and early bird.
• GEICO discounts include anti-theft, military active duty, defensive driver, driver training, multi-policy, and seat belt use.
• State Farm may offer discounts for defensive driving training, anti-theft, multiple policy, good student, and passive restraint.

The chart below shows the comparison of insurance premiums with and without some available policy discounts. The information is based on a female driver, no citations and one at-fault accident, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, marriage, vehicle safety, paperless filing, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for drivers with accidents is 28% or $579.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2805,2009],[‘Age 30’, 2065,1485],[‘Age 40’, 1965,1413],[‘Age 50’, 1787,1283],[‘Age 60’, 1745,1257],[‘Age 70’, 1965,1409]]);var options = {title: ‘Effect of Discounts on Insurance Price for Drivers with Accidents’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Allstate vs State Farm vs Geico vs Progressive

When comparing car insurance for drivers with at-fault accidents, four good companies to start with are Allstate, State Farm, Geico, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a little bit different set of discounts and options that add value to each policy. The table below shows ratings for price and service, as well as some optional coverages shoppers can find with each company.

Who has the cheapest insurance quotes for drivers with at-fault accidents?

Drivers have a lot of ways to buy car insurance in Texas, but the most prevalent methods are using a captive (or exclusive) agency like Allstate or State Farm, an independent agent, or from a direct company like Geico.

Each way has the same basic steps, but each is different in how they give price quotes.

Independent insurance agencies are appointed by several companies and can get policy pricing from each one. These agents have the option to give you more rate choices, which may give you the best idea of how your rates compare. If your agent finds better pricing, they can switch companies in-house and you don’t have to find a new agent.

A captive, or exclusive, agent is only able to write business for one insurance company, two popular examples being a Liberty Mutual or State Farm agent. These agents normally cannot provide a range of price quotes, so you will not be able to compare their rates to other companies.

Direct car insurance buyers bypass a local agent and buy direct online or over the phone from a company like Esurance or Geico. This option may be the best choice people who have an average risk profile and know more than average about the limitations of their policy.

Which method is best for finding cheap insurance for drivers with accidents in Texas? It would be obvious to point out buying direct saves money since no commissions are paid to an agent, but in reality, that is not the case. It could also be said using an independent agent can save the most money because they can shop around, but that assumption is not true either. In many circumstances, the exclusive agents have really good rates that cannot be met by either independent or direct companies.

Since car insurance prices are based on many different factors, the best method to buy the cheapest policy is to obtain price quotes and compare them. In a perfect world, youll get rate quotes from all three in order to have the best selection to choose from. For a list of companies with some of the cheapest Texas car insurance rates, click here to view.