Cheap Auto Insurance for Teenage Females in Texas

One of the more important things that helps car insurance companies calculate car insurance rates is where you live. Urban areas that are densely populated like McAllen, Brownsville, and Laredo tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The next table displays the most expensive areas in Texas for teenage females to purchase car insurance in.

Rate quotes are estimated as the vehicle garaging location can raise or lower prices substantially.

Cost and performance of the vehicle on the policy is probably the biggest factor when quoting cheap auto insurance for teenage females in Texas. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The next tables outlines coverage prices for a number of the cheaper automobiles to insure.

Prices above based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location information which can revise coverage prices noticeably.

Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase coverage rates noticeably.

Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase premiums greatly.

Trying to find affordable car insurance is tough enough, and deciding which company has the lowest-priced insurance rates for teenage females calls for even more diligence. Rates could be significantly more expensive than the average price in Texas, with the increase attributed to the potential for more claims that goes along with selling insurance for teen girls, but reasonable insurance should be possible if you thoroughly shop around.

Each company has a unique approach to set their prices, so let’s take a look at the insurance companies with the most affordable rates in Texas.

Lowest Insurance Price Quotes for Teens

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Travelers normally has some of the most affordable car insurance rates in Texas at around $1,010 each year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also make the cut as some of the best Texas auto insurance companies.

As illustrated above, if you have coverage with Germania Mutual and switched to Travelers, you might see a yearly savings of in the neighborhood of $234. Policyholders with Texas Farm Bureau could save as much as $237 a year, and Esurance customers might see rate reductions of $355 a year.

To find cheap auto insurance for teenage females in Texas for your vehicle, click here to get a free quote or visit several of the following companies.

Be aware that those rates are averages across all insureds and vehicles and and are not calculated with a price increase for teenage females. So the insurer that is most affordable for your situation may not even be included in the chart above. That helps illustrate why you need to get car insurance quotes using your own specific driver information and vehicle.

Finding a high-quality insurance company can be challenging considering how many companies are available to choose from in Texas. The ranking data in the lists below can help you pick which auto insurance companies to look at when insurance shopping for teenage females.

The ratings below are only comprised of the largest auto insurers in America, so companies that have a smaller presence will not be included in this list. If you’d like to compare prices from the most competitive companies in Texas, simply click here.

Top 10 Major Auto Insurance Providers in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Major Auto Insurance Providers in Texas Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

The chart below highlights how deductible choice can affect insurance costs when researching cheap insurance for teenage females. The information is based on a single male driver, full coverage, and no discounts are applied.

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As shown above, a 30-year-old driver could save $490 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $740 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could roll back prices $1,446 each year just by using higher deductibles. When raising deductibles, it will be important to have plenty of money set aside to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to get cheap auto insurance for teenage females in Texas

Here are some penny-pinching suggestions that can help drivers get cheaper car insurance.

• Don’t waste money on full coverage for older vehicles
• Vehicles with safetly features generally cost less to insure
• Do not get into accidents
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Increase your deductibles
• Good credit can save money
• Compare rates once a year for cheaper prices

The last tip is particularly important, as we stressed in the article above. Prices in Texas adjust often, so don’t hesitate to change to a new company if a more affordable price is available. Brand loyalty is great, but it’s not recommended if that inflexibility results in costing you potentially thousands of dollars a year. Spend a few minutes and shop around to find cheaper auto insurance for teenage females.

Best cheap insurance quotes for teen girls

There are many different ways to compare insurance quotes in Texas, but the most preferred ways are from a captive (or exclusive) agent like State Farm or Allstate, a non-exclusive or independent agent, or from a direct company like Geico.

They all follow the same basic process, but shoppers should understand the differences in how they provide rate quotes.

Independent agents work for many companies and can compare coverage rates with each one. Independent agents can quote with many companies and give you more rates, which may provide you with a better chance of finding cheaper coverage. If your premiums go up, they can switch companies in-house which requires no work on your part.

An exlusive, or captive, agency is only able to give prices for a single insurance company, for example Allstate or State Farm agents. Exclusive agents cannot compare other company’s rates, so smart shoppers will want to get additional comparison quotes.

The final way is buying direct, which means you skip an agent and instead buy direct either online or via phone. Buying direct can be good for people who do not have a complex risk profile and know how their policy works.

So which way is best for finding cheap auto insurance for teenage females in Texas? The quick answer would be buying from a direct car insurance company saves money since that prevents the need to pay agent commissions, but unfortunately, that is not the case. A good argument could also be made that buying insurance from an independent agent is the best way to go since they can quote with many companies, but again, that’s not accurate. In many circumstances, exclusive agencies have really good rates that cannot be beaten by either independent or direct companies.

Because there is so much variation in insurance prices, the only real way to ensure you are not overpaying is to compare, compare, and compare some more. The best approach is to get quotes from all three types to get a good idea who is cheapest. For a list of insurance companies with low rates, click here to view.