Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Texas?

Shopping around for reasonably-priced insurance is easier said than done, and figuring out which company quotes the lowest-priced auto insurance rates for drivers with a bad driving record will require even more rate comparisons. Prices could be significantly pricier than the average price in Texas attributed to the potentially higher risk related to selling coverage for bad drivers, but economical coverage should be achievable with a little diligence. Each insurer uses different criteria for determining rates in each state, so let’s rank the overall cheapest auto insurance companies in Texas.

Best Car Insurance Prices for Imperfect Drivers

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Travelers may offer some of the best car insurance rates in Texas at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the best Texas auto insurance companies.

As illustrated above, if you currently have coverage with Esurance and switched to USAA, you might achieve a yearly price reduction of in the vicinity of $279. Insureds with California Casualty might save as much as $310 a year, and State Farm policyholders might lower prices by $337 a year.

To find cheap car insurance for drivers with a bad driving record in Texas, click here to start your custom quote or visit several of the following companies.

Be aware that those policy prices are averages for all ages of drivers and types of vehicles and and are not calculated with a price increase for drivers with a bad driving record. So the auto insurance company that can offer you the best rate may not even be shown in the above list. That point stresses why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle you are trying to insure is one of the largest factors that determines if you can find low-cost car insurance for drivers with a bad driving record. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more modest models. The table below features auto insurance rates for the more afforable vehicles to insure in Texas.

Prices above based on single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence auto insurance rates substantially.

Based on these rates, you can presume that models like the Honda CR-V, Ford Escape, and Chevrolet Traverse are most likely to be a few of the less-costly vehicles to insure for bad drivers. The cost of auto insurance will tend to be more expensive because there is more liability exposure for drivers with a bad driving record, but in general those models will most likely have the lowest insurance rates compared to all other vehicles.

Safe drivers pay less for auto insurance

The easiest method to get cheap car insurance for drivers with a bad driving record in Texas is to be a careful driver and avoid traffic citations and accidents. The illustration below demonstrates how citations and accidents can raise insurance prices for different age groups. Data assumes a single female driver, full coverage, $250 deductibles, and no discounts are applied.

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’, 2799,3053,3759],[‘Age 30’, 1935,2189,2893],[‘Age 40’, 1797,2051,2759],[‘Age 50’, 1573,1825,2535],[‘Age 60’, 1519,1771,2481],[‘Age 70’, 1771,2025,2729]]);var options = {title: ‘Violations, Accidents, and Texas Insurance Premiums’,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);}

The chart shows that the average cost of a car insurance policy in Texas per year with no violations or accidents is $1,899. Add in one speeding ticket and the average cost rises to $2,152, an increase of $253 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for drivers with a bad driving record increases to an average of $2,859. That’s an increase of $960, or $80 per month, just for being a little careless behind the wheel!

Get discounts on Texas insurance rates

Insurance providers that offer cheap car insurance for drivers with a bad driving record in Texas may also provide policy discounts that could potentially reduce rates by 40% or more if you qualify for them. Companies and some of the premium reductions they offer include:

The example below illustrates the difference between car insurance rates with and without policy discounts. Data assumes a male driver, three violations and two accidents, Texas state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with paperless filing, marriage, multiple vehicle, vehicle safety, anti-theft, and paid-in-full discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for drivers with a bad driving record is 38% or $448.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 7909,5663],[‘Age 30’, 6113,4385],[‘Age 40’, 6095,4367],[‘Age 50’, 5921,4239],[‘Age 60’, 5861,4197],[‘Age 70’, 6217,4449]]);var options = {title: ‘Comparison of Insurance Rates for Drivers with a Bad Driving Record’,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);}

Best rates: Progressive, Geico, Allstate, or State Farm

When buying auto insurance, four companies to consider are Progressive, Geico, Allstate, and State Farm. All of them have a slightly different set of options and discounts that drivers can select from. The next table shows ratings for price and service, as well as some optional coverages shoppers can find with each company.