Cheap Car Insurance Quotes for Drivers Under 21 in Texas

Wouldn’t it be so easy if we could just tell you the company that has the most affordable coverage for drivers under 21? Unfortunately, it’s not that simple as there are a whole bunch of unknowns like whether you are married, your choice of liability limits, and what deductibles to use for physical damage coverage, that all have an effect on the price of a policy. The content below will cover some of these things and should give you a solid foundation to find cheaper car insurance in Texas.

For minors, one of the big factors that helps insurance companies calculate auto insurance rates is where you choose to live in Texas. More densely populated places like McAllen, Brownsville, and Amarillo tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower insurance rates.

The table below rates the highest-priced areas in Texas for drivers under 21 to purchase car insurance in.

Rate quotes are comparative as the garaging address in Texas can change prices considerably.

Deciphering which companies offer the best insurance rates for drivers under 21 will take a little more work in order to find the lowest price quote.

Every auto insurer has their own guidelines to establish rates, so let’s take a look at the most budget-friendly insurance companies in Texas. Keep in mind that Texas insurance rates are based on many factors that control the price you pay. Simply having a birthday, marrying your spouse, or having an accident may generate price changes resulting in some companies being more affordable than others.

Find the Cheapest Auto Insurance for Minors

Compare Rates Now

Travelers quotes some of the most affordable car insurance rates in Texas at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheapest Texas auto insurance companies.

In the above example, if you currently have a policy with Germania Mutual and switched to USAA, you could earn yearly savings of approxmiately $154. Insureds with Esurance may save as much as $237 a year, and California Casualty insureds might realize rate reductions of up to $310 a year.

To discover how much you can save, click here to get quotes or visit any of the low-priced companies below.

Bear in mind that those premium estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a price increase for drivers under 21. So the auto insurance company that has the cheapest rates for you may not even be featured in the above list. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Discounts on cheap auto insurance for drivers under 21 in Texas

Insurance providers that offer cheap quotes for drivers under 21 may additionally offer special discounts that can reduce rates by as much as 30% if you meet certain criteria. The best insurance companies and some of the premium reductions they offer are shown below.

The diagram below illustrates the comparison of auto insurance rates with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, paperless filing, paid-in-full, anti-theft, good student, and continuous coverage discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for drivers under 21 is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 18’, 7091,5085],[‘Age 30’, 2631,1911],[‘Age 40’, 2617,1895],[‘Age 50’, 2381,1721],[‘Age 60’, 2299,1665]]);var options = {title: ‘Comparison of Insurance Rates for Drivers Under 21’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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);}

Progressive, Geico, State Farm, and Allstate: Who is best?

If you are looking for the best car insurance for minors in Texas, the companies with the most market share are Progressive, Geico, State Farm, and Allstate. The data below breaks down price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.

Tips to find low-cost auto insurance for drivers under 21

The list below summarizes a few money-saving suggestions that can help Texas drivers locate more affordable car insurance.

• Better credit scores save money
• Raise your deductibles
• Ensure your driving record is clean
• At-fault accidents will increase rates
• Lower rates by purchasing a safer vehicle
• Ensure you have the best deal by shopping around regularly

That last idea is notably crucial, as was affirmed in this write-up. Coverage rates can be adjusted at any time, so don’t be hesitant to buy a policy from a new company if you can find a cheaper rate. Many drivers prefer to stick with one company, but it’s not a great idea if that stubbornness costs you a lot of money. It takes less than five minutes to shop around to find cheaper car insurance for drivers under 21.