How Much Does Car Insurance Cost for High Risk Drivers in Texas?

For high risk drivers, one of the big factors that help determine the cost of insurance is where you call home in Texas. More densely populated places like McAllen, Brownsville, and Amarillo are more likely to have higher rates, whereas areas with less traffic congestion and claims have the benefit of cheap auto insurance for high risk drivers in Texas.

The table below lists the most expensive cities in Texas for high risk drivers to buy an auto insurance policy in.

Rate information is comparative as the specific garaging location can lower or raise auto insurance rates significantly.

The vehicle you are insuring is a large factor when comparing cheap auto insurance for high risk drivers in Texas. Vehicles with higher performance, poor passenger safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The information below estimates insurance rates for a selection of the most economical automobiles to buy insurance for.

Data based on married male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can decrease or increase prices noticeably.

Data based on married male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Information does not factor in Texas location which can influence coverage rates greatly.

Table data represents married male driver age 40, two speeding tickets, two at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

The illustration below demonstrates how choosing different deductibles can increase or decrease insurance rates when quoting cheap insurance for high risk drivers. The rate quotes are based on a married male driver, comp and collision included, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3229,2951,2641,2345],[‘Age 30’, 1697,1549,1375,1211],[‘Age 40’, 1629,1493,1335,1183],[‘Age 50’, 1489,1367,1225,1087],[‘Age 60’, 1463,1341,1201,1067],[‘Age 70’, 1679,1547,1399,1257]]);var options = {title: ‘Impact of Deductibles on Auto Insurance Prices in Texas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could lower their policy premium by $294 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $446 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could possibly save $884 or more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be important to have spare funds to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Safe drivers Texas pay cheaper rates

The easiest method to enjoy cheap auto insurance for high risk drivers in Texas is to drive safely and avoid tickets and accidents. The information below highlights how traffic violations and at-fault collisions can influence yearly insurance costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3643,3921,4689],[‘Age 30’, 1893,2169,2937],[‘Age 40’, 1849,2125,2893],[‘Age 50’, 1695,1969,2737],[‘Age 60’, 1645,1921,2689],[‘Age 70’, 2059,2335,3103]]);var options = {title: ‘Effect of Tickets and Claims on Texas Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance in Texas per year with no violations or accidents is $2,131. Get written up for one speeding ticket and the average cost swells to $2,407, an increase of $276 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for high risk drivers increases to an average of $3,175. That’s an increase of $1,044, or $87 per month, just for not being attentive to the road!