For teen drivers, one of the big things that help determine car insurance rates is where you choose to live in Houston. Areas with more people or more claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The information below ranks the priciest cities in Texas for 17 year olds to buy car insurance in. Houston comes in at #6 having an annual price of $1,835 for the average insured, which is about $153 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Laredo | $1,889 |
| 3 | Brownsville | $1,870 |
| 4 | Dallas | $1,855 |
| 5 | Garland | $1,850 |
| 6 | Houston | $1,835 |
| 7 | Amarillo | $1,786 |
| 8 | Irving | $1,772 |
| 9 | Mesquite | $1,771 |
| 10 | Pasadena | $1,758 |
| 11 | Beaumont | $1,754 |
| 12 | Grand Prairie | $1,740 |
| 13 | San Antonio | $1,739 |
| 14 | Lubbock | $1,665 |
| 15 | Carrollton | $1,664 |
| 16 | Arlington | $1,642 |
| 17 | Corpus Christi | $1,636 |
| 18 | Austin | $1,627 |
| 19 | Plano | $1,608 |
| 20 | Fort Worth | $1,604 |
| 21 | El Paso | $1,584 |
| 22 | Abilene | $1,561 |
| 23 | McKinney | $1,561 |
| 24 | Killeen | $1,533 |
| 25 | Waco | $1,522 |
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Information shown are estimated as the specific zip code location can affect coverage rates considerably.
Comparing quotes for reasonably-priced insurance is not most people’s favorite thing to do, and deciding which insurers offer the lowest-priced auto insurance rates for 17 year olds calls for even more perseverance. Each insurer has a unique formula to set policy rates, so we’ll go over the most budget-friendly auto insurance companies in Houston.
It’s important that readers know that Houston auto insurance rates are determined by lots of factors that will increase or decrease the policy price. Improving your credit score, moving across town, or having an accident may cause policy rate changes that can cause some rates to be way too expensive in comparison to the competition.
Cheapest Insurance Rates for Teens
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Travelers normally has some of the lowest car insurance rates in Houston at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheapest Houston, TX auto insurance companies.
As shown above, if you are currently insured with Germania Mutual and switched to USAA, you might see savings of about $187. Drivers with Esurance could save as much as $326 a year, and California Casualty policyholders might lower prices by up to $329 a year.
These policy rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for 17 year olds. So the auto insurance company that can offer you the best price may not even be in the top 23 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own individual information.
The type of vehicle you are insuring is a large factor in finding low-priced coverage for 17 year olds. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost much less to insure than high performance models. The information below outlines insurance prices for a number of the most affordable automobiles to insure in Texas.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $4,536 |
| Ford Escape XLT 4WD | $4,582 |
| Honda CR-V EX 4WD | $4,587 |
| Toyota Prius | $4,911 |
| Chevrolet Silverado LS Regular Cab 4WD | $5,052 |
| Ford F-150 FX2 Super Cab 2WD | $5,097 |
| Ford Edge Limited 2WD | $5,339 |
| Ford Focus S 4-Dr Sedan | $5,345 |
| Chevrolet Impala LS | $5,339 |
| Honda Odyssey EX W/Rear Entertainment | $5,348 |
| Toyota Tacoma Double Cab 4WD | $5,384 |
| Toyota RAV4 Limited 4WD | $5,392 |
| Ford Explorer Eddie Bauer 4WD | $5,427 |
| Chevrolet Malibu LT | $5,437 |
| Dodge Grand Caravan Crew | $5,427 |
| Toyota Camry XLE | $5,671 |
| Toyota Corolla XLE | $5,680 |
| Hyundai Elantra GLS 4-Dr Sedan | $5,671 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $5,714 |
| GMC Sierra SLE Crew Cab 4WD | $5,720 |
| Chevrolet Equinox LTZ 2WD | $5,714 |
| Jeep Grand Cherokee SRT-8 4WD | $5,719 |
| Ford Fusion SE 4-Dr Sedan | $5,714 |
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Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific garaging location which can revise price quotes noticeably.
Based upon the table data, models like the Honda Accord, Ford Escape, and Honda CR-V should be a few of the cheaper vehicles to insure for teen drivers. The price of auto insurance will tend to be higher just because there is more claim risk for 17 year olds, but in general those makes and models will most likely have the lowest insurance prices available.
Get discounts on Houston insurance
Insurers that offer coverage for 17 year olds may also provide policy discounts that could potentially reduce rates by as much as 40% or more if you can meet the requirements. A list of auto insurance companies and some of their more popular discounts are:
- State Farm may have discounts that include good student, multiple autos, accident-free, driver’s education, and student away at school.
- GEICO may include discounts for federal employee, air bags, seat belt use, good student, and daytime running lights.
- SAFECO includes discounts for anti-theft, multi-car, teen safe driver, safe driver, teen safety rewards, and homeowner.
- Farmers Insurance offers discounts including teen driver, alternative fuel, multi-car, switch companies, bundle discounts, and good student.
- AAA policyholders can earn discounts including multi-car, multi-policy, pay-in-full, good driver, good student, and education and occupation.
- USAA offers premium reductions for military installation, safe driver, family discount, good student, new vehicle, and loyalty savings.
The information below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with paperless filing, paid-in-full, vehicle safety, good student, passive restraint, and anti-theft discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for 17 year olds is 28% or $707.
Tickets and at-fault accidents raise rates
In a perfect world, the ideal way to maintain cheap auto insurance rates in Texas for teen drivers is to be an attentive driver and avoid accidents and traffic citations. The information below shows how speeding tickets and at-fault collisions can raise auto insurance rates for each different age category. The information is based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of car insurance in Texas per year with no accidents or violations is $2,278. Factor in one speeding ticket and the average cost rises to $2,585, an increase of $307 each year. Now include one accident along with the one speeding ticket and the annual cost of auto insurance for 17 year olds increases to an average of $3,446. That’s an increase of $1,168, or $97 per month, just for not being more responsible behind the wheel!
Chances are good that you’re overpaying for Houston car insurance
Texas auto insurance rates are calculated based on many things that control the price you pay for coverage. Improving your credit rating, buying another vehicle, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being more affordable than others. In addition, insurance companies modify pricing every year or even multiple times each year to help ensure profitability. Significantly higher losses may cause additional price hikes, while lower claim levels can cause lower-cost Houston car insurance rates.
To illustrate this example, the bar chart below demonstrates which company has the cheapest car insurance in Houston, TX for a 35-year-old female driver with no accidents or violations, and solid credit. If we compare prices based on her personal risk profile, Travelers might quote the cheapest car insurance rates in Houston at $1,284 per year. This is $620 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the best Houston, TX auto insurance companies.
In this next rate comparison, we will give the driver from above a couple of claims, less-than-perfect credit, and a blemish on her driving record. Since each insurance company has their own process for establishing rates, analyzing rates could result in a significantly different list of the cheapest companies as shown below.
State Farm now has the best car insurance rate in Houston, TX with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This shows why it is so important to compare lots of rates to find the best insurance quotes for 17 year olds. Rates can be altered by many risk factors and can increase or decrease at any time, so the cheapest company three years ago may now be an over-priced policy.
How to find the cheapest insurance for 17 year olds
The list below shows many penny-pinching ideas that can help you buy more affordable car insurance.
- Bundle home and auto and earn a discount
- Drive attentively and avoid accidents
- Good credit can save money
- Increase the comprehensive and collision deductibles on your policy
- Pay for smaller claims out-of-pocket
- Save money by obeying traffic laws and keeping a clean driving record
- Compare prices as often as possible
The last tip is very significant, as was stressed in this write-up. Coverage prices fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if you can save money.
Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. Now is a great time to shop around to find cheaper insurance for 17 year olds in Houston.
If you wish to have some professional guidance when trying to find the best insurance rates for 17 year olds, the agents listed below are willing to help you decide which insurance coverage you need.
To find an agent close to you, click the button at the bottom or click here to get price quotes now.
- Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 - Noveri Insurance Agency
2657 Gessner Rd – Houston, TX 77080 – (713) 460-9400 - Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155