Cheapest Car Insurance for First-time Drivers in Texas

Cheapest Car Insurance for First-time Drivers in Texas

For new drivers, one of the big factors that aid in calculating the annual cost of car insurance is where your home is located in Texas. Densely populated urban areas like McAllen, Houston, and Laredo will most likely have higher rates, whereas less populated areas have the luxury of lower rates.

The following table displays the most expensive places in Texas for first-time drivers to buy car insurance in.

How much does car insurance cost in Texas?
Rank City Annual Rate
1 McAllen $1,956
2 Brownsville $1,927
3 Houston $1,909
4 Dallas $1,893
5 Laredo $1,889
6 Mesquite $1,825
7 Amarillo $1,804
8 Pasadena $1,794
9 Garland $1,778
10 Grand Prairie $1,757
11 Irving $1,736
12 San Antonio $1,722
13 Lubbock $1,716
14 Beaumont $1,702
15 Austin $1,676
16 Fort Worth $1,670
17 Carrollton $1,664
18 Arlington $1,642
19 Plano $1,624
20 El Paso $1,584
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Annual rates are comparative as the garaging address in Texas can modify coverage rates substantially.

The car, truck, or SUV you are trying to insure is one of the biggest factors when comparing quotes for the cheapest car insurance for first-time drivers in Texas. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below ranks car insurance prices for some of the most cost-effective automobiles to insure in Texas.

Cheapest Auto Insurance Rates for First-time Drivers in Texas
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,407
Chevrolet Traverse LS 2WD $4,455
Honda CR-V EX-L 2WD $4,460
Ford Escape Limited 4WD $4,767
Toyota Prius $4,815
Dodge Grand Caravan SE $4,923
Hyundai Tucson GLS 4WD $4,933
Jeep Wrangler Rubicon 4WD 2-Dr $4,923
Ford Explorer XLT 2WD $4,933
Volkswagen Jetta SE 2.5 Station Wagon $5,128
Subaru Forester XT Limited Edition AWD $5,176
Jeep Grand Cherokee Laredo 2WD $5,235
Chevrolet Impala LT $5,240
Toyota RAV4 Sport 2WD $5,235
Ford F-150 FX4 4WD $5,283
Kia Forte SX 4-Dr Sedan $5,292
Chevrolet Malibu LT $5,283
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,293
Hyundai Elantra Blue 4-Dr Sedan $5,499
Ford Focus SES 4-Dr Sedan $5,506
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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 Texas garaging location which can impact coverage prices noticeably.

Based upon the rates shown, we can assume that vehicles like the Honda Accord, Chevrolet Traverse, Honda CR-V, Ford Escape, and Toyota Prius will be a few of the most budget-friendly vehicles to insure for new drivers. The price for an auto insurance policy will be more costly because there is more claim exposure for first-time drivers, but in general those specific models will have the cheapest auto insurance rates compared to other vehicles.

Ending up with a high-quality car insurance provider can be a challenge considering how many choices there are in Texas. The company rank data displayed below could help you choose which car insurance providers to look at comparing rates from.

These ratings are for the companies with a significant amount of written premium nationwide, so companies that only write business in Texas or surrounding areas will not be included in the list. If you wish to compare rates from these and other companies in Texas, simply click here.

Top Car Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Drive safe and save

In a perfect world, the best way to obtain the best car insurance prices in Texas for new drivers is to be an attentive driver and avoid at-fault accidents and violations. The illustration below highlights how speeding tickets and at-fault claims can impact insurance rates for each different age category. The data is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 4099,5057,6045],[‘Age 30’, 2815,3775,4759],[‘Age 40’, 2613,3575,4559],[‘Age 50’, 2283,3243,4227],[‘Age 60’, 2207,3171,4153],[‘Age 70’, 2585,3543,4531]]);var options = {title: ‘Violations, Accidents, and Texas Insurance Rates’,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 chart above, the average cost of auto insurance in Texas per year with no violations or accidents is $2,767. Add in two speeding tickets and the average cost hikes up to $3,727, an increase of $960 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for first-time drivers goes up to an average of $4,712. That’s an increase of $1,945, or $162 per month, just for not being attentive to the road!