The vehicle you are insuring is one of the main factors when shopping around for the best insurance for 18 year olds. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer models.
The information below outlines insurance premiums for some of the cheapest automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $4,922 |
| Ford Escape XLS 4WD | $4,929 |
| Honda CR-V EX 4WD | $4,979 |
| Toyota Prius | $5,363 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $5,459 |
| Toyota Tacoma 4WD | $5,516 |
| Ford F-150 XLT Regular Cab 4WD | $5,521 |
| Ford Explorer XLT 4WD | $5,516 |
| Volkswagen Jetta S 4-Dr Sedan | $5,845 |
| Chevrolet Equinox LS 2WD | $5,850 |
| Dodge Grand Caravan Hero | $5,845 |
| Toyota RAV4 Limited 4WD | $5,850 |
| Jeep Grand Cherokee Laredo 2WD | $5,845 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $5,899 |
| Honda Civic LX 4-Dr Sedan | $6,117 |
| Toyota Camry SE | $6,174 |
| Chevrolet Impala LTZ | $6,181 |
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Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in Houston, TX location which can alter rates considerably.
Based on these rates, we can conclude that makes and models like the Honda Accord, Ford Escape, and Honda CR-V are the less-costly vehicles to insure for teen drivers. The price for an auto insurance policy will be more costly just because there is a higher risk for 18 year olds, but in general those particular models will have the cheapest car insurance rates that you are likely to find.
For teen drivers, one of the largest components that aid in calculating insurance cost is your zip code. Areas with increased crime or more people tend to have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The table below sorts the most costly cities in Texas for 18 year olds to purchase a policy in. Houston makes the list at #3 costing $1,853 on average, which is approximately $154 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Laredo | $1,907 |
| 3 | Houston | $1,853 |
| 4 | Brownsville | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Dallas | $1,837 |
| 7 | Mesquite | $1,807 |
| 8 | Grand Prairie | $1,793 |
| 9 | Amarillo | $1,786 |
| 10 | Pasadena | $1,740 |
| 11 | Lubbock | $1,733 |
| 12 | Irving | $1,719 |
| 13 | Beaumont | $1,702 |
| 14 | San Antonio | $1,688 |
| 15 | Austin | $1,676 |
| 16 | Fort Worth | $1,670 |
| 17 | Arlington | $1,642 |
| 18 | Carrollton | $1,615 |
| 19 | El Paso | $1,584 |
| 20 | McKinney | $1,577 |
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Rate quotes are estimated as the specific garaging location can revise rates considerably.
Texas car insurance companies
Insuring your vehicle with the highest-rated auto insurance company can be a challenge considering how many choices there are in Texas. The ranking data below may help you analyze which car insurance companies you want to consider buying from.
The ratings below are only comprised of the largest companies in the United States, so companies without a large exposure are not included in this list. To compare rates from these and other competitive companies, simply click here.
Top 10 Large Auto Insurers in Houston Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurers in Houston Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The chart below highlights how deductible choice can affect premium costs when trying to find cheap insurance for 18 year olds. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
As shown above, a 30-year-old driver could reduce rates by $422 a year by switching from a $100 deductible to a $500 deductible, or save $634 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, can cut up to $900 annually by choosing larger deductibles on their policy.
When using a larger deductible, it will be important to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Comparison of full coverage and liability-only policies
Finding the cheapest car insurance is the goal of most vehicle owners, and one of the best ways to buy cheap insurance for 18 year olds is to not buy comprehensive and collision coverage. The illustration below compares insurance prices with liability coverage only compared to full coverage. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.
On average, physical damage coverage on your policy costs $2,000 per year more than just insuring for liability. That raises the question if buying full coverage is worth the money. There is no exact rule of when to phase out comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
If you aren’t sure which coverage you need and prefer to get some guidance when trying to find lower insurance rates for teen drivers, the professional agents shown below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation.
To locate a Houston auto insurance agent by location nearest to you, click the button link following the list.
El Dorado Insurance Agency, Inc
3673 Westcenter Dr – Houston, TX 77042 – (800) 221-3386
Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556
Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343
ProTECH Insurance Agency, Inc.
#100, 3120 SW Freeway Service Rd – Houston, TX 77098 – (713) 520-1090
View more Houston, TX insurance agents
How to find the cheapest auto insurance for 18 year olds
It is possible to find better rates, and here are some of the better money-saving suggestions that can help drivers find more affordable car insurance.
- Raise comprehensive and collision coverage deductibles
- Avoid filing excessive claims
- Do not get into accidents
- Drop full coverage on older vehicles
- Be a cautious driver
- Shop around for cheaper rates regularly
That final tip is extremely critical, as we pointed out in the prior information. Auto insurance prices can change in a short period of time, so don’t be unwilling to buy from a different company if you can save money.
Being loyal to a particular company is commendable, but is isn’t recommended if that stubbornness costs you a fortune every year. If you have a few minutes, compare prices to find cheaper auto insurance for 18 year olds in Houston.