Who Has the Cheapest Car Insurance for College Students in Texas?

Who Has the Cheapest Car Insurance for College Students in Texas?

The vehicle model requiring insurance is probably the most important factor when shopping for economical insurance for college students. Vehicles with higher performance, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models.

The list below showcases car insurance premiums for a number of the more afforable automobiles to buy insurance for.

Cheapest Auto Insurance Rates for College Students in Texas
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,223
Honda CR-V LX 2WD $2,228
Ford Escape Limited 2WD $2,257
Toyota Prius $2,430
Subaru Forester X Premium AWD $2,440
Chevrolet Traverse LT AWD $2,430
Kia Forte EX 4-Dr Sedan $2,492
Ford Explorer Eddie Bauer 2WD $2,498
Dodge Grand Caravan CV $2,492
Toyota Tacoma 4WD $2,500
Honda Odyssey EX W/Rear Entertainment $2,599
Ford Edge SEL AWD $2,608
Toyota Sienna LE $2,633
Chevrolet Equinox LT 2WD $2,639
Toyota Camry LE $2,633
Chevrolet Impala LT $2,643
Jeep Grand Cherokee Laredo 2WD $2,633
Toyota RAV4 Limited 4WD $2,641
Hyundai Santa Fe GLS 4WD $2,633
Chevrolet Malibu LS $2,643
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in Texas location which can affect premiums considerably.

Based upon these rates, you can figure that vehicles like the Honda Accord, Honda CR-V, and Ford Escape should be a few of the cheapest vehicles to insure for students in college. Rates will be higher anyway just because there is a higher risk for college students, but generally speaking those specific models will probably have the cheapest auto insurance rates that you’ll find.

Locating reasonably-priced insurance is not the easiest thing to accomplish, and finding out which insurers offer the lowest-priced car insurance rates for college students will involve even more perseverance. Premiums should be slightly pricier than the average price in Texas, with the increase attributed to the posibility of more claims associated with selling insurance for students in college, but affordable coverage may be available if you are thorough. Every insurance provider has a unique approach for setting prices, so first we will examine the lowest cost car insurance companies in Texas.

Keep in mind that Texas car insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply having a birthday, increasing deductibles, or getting a DUI may cause policy rate changes that may make certain companies more affordable than before.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,438
7 Mercury $1,506
8 State Farm $1,510
9 Safe Auto $1,549
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,757
14 Home State $2,092
15 GEICO $2,156
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,568
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Travelers has some of the lowest car insurance rates in Texas at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Texas auto insurance companies.

In this example, if you have coverage with Germania Mutual and switched to Travelers, you might achieve an annual savings of around $246. Insureds with Esurance may save as much as $369 a year, and California Casualty insureds might realize rate reductions of up to $428 a year.

To find the cheapest car insurance for college students in Texas, click here to begin a quote or feel free to get quotes from the companies below.

It’s important to note that these policy prices are averages for all ages of drivers and types of vehicles and do not factor in a price increase for college students. So the car insurance company that fits your age and vehicle best may not even be shown in the above list. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

What is the best car insurance company in Texas?

Picking the top company can be challenging considering how many choices there are in Texas. The ranking data listed below could help you pick which auto insurance companies you want to consider when comparing rates. The ratings below include companies that write coverage in many states, so companies that only write business in Texas or surrounding areas are not included in the list.

Texas Car Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

Progressive, Geico, State Farm, or Allstate: Who is cheapest?

If you’re looking for the best auto insurance for students in college in Texas, the four most popular companies are Progressive, Geico, State Farm, and Allstate. They all have your normal coverages like liability, comprehensive, and collision, but each one offers different optional coverages and features that can influence your buying decision. The table below ranks price and claims rank as well as some different options that you can purchase from each one.

Auto Insurance Company Comparison
Progressive Geico State Farm Allstate
Handling of Claims 4th 3rd 2nd 1st
Price Overall 3rd 1st 2nd 4th
Policy Discounts 4th 2nd 3rd 1st
Client Satisfaction 3rd 1st 4th 2nd
Customer recommendation 88% 87% 88% 86%
Rating from A.M. Best A+ A++ A++ A+
Usage-based insurance Yes No Yes Yes
New car replacement coverage No No No Yes
Uber and Lyft insurance Yes Yes Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes No Yes
Mechnical breakdown Yes Yes No No
Coverage in Texas Yes Yes Yes Yes
Where to buy Buy online or from an independent agent Online or through a Geico agent State Farm exclusive agents Allstate-only agents
Number of agents 30,000+ 150+ 18,000+ 11,000+
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How to find more affordable auto insurance for college students

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help Texas drivers buy lower-cost auto insurance.

  • Raise your deductibles
  • Do not get tickets
  • Bundle car and home insurance and save money
  • Improve your credit rating
  • Staying accident-free helps keep rates low
  • Having too many claims will increase rates substantially
  • Ensure you have the best deal by shopping around regularly

The last tip is notably crucial, as was pointed out in the prior information. Rates change constantly, so you should be ready to switch carriers if a better rate can be found.

Having a favorite company is great, but it’s not recommended if that inflexibility results in costing you a fortune every year. It only take a few minutes to compare rates to find cheaper car insurance for college students.