Wouldn’t it be excellent if we could wave our magic wand and tell you the one company that has the best auto insurance prices for inexperienced drivers? That is not the case, however, as there are a lot of unknown elements such as if you have any tickets or accidents, the safety ratings of your vehicle, and if you have a spouse, that all influence how much you pay for auto insurance. The content below will cover the best ways to pay less and will give you a good beginning to your quest for cheaper car insurance.
For new drivers, one of the more important things that aid in calculating the cost of insurance is where your residence is in Houston. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.
The information below ranks the priciest cities in Texas for inexperienced drivers to purchase auto insurance in. Houston ranks #6 with an annual cost of $1,835 on average, which is around $153 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Laredo | $1,889 |
| 3 | Brownsville | $1,851 |
| 4 | Garland | $1,850 |
| 5 | Dallas | $1,837 |
| 6 | Houston | $1,835 |
| 7 | Pasadena | $1,812 |
| 8 | Grand Prairie | $1,811 |
| 9 | Amarillo | $1,786 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,771 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Arlington | $1,692 |
| 15 | Lubbock | $1,665 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | Austin | $1,627 |
| 19 | Plano | $1,576 |
| 20 | Corpus Christi | $1,572 |
| 21 | Waco | $1,569 |
| 22 | El Paso | $1,568 |
| 23 | McKinney | $1,561 |
| 24 | Abilene | $1,515 |
| 25 | Killeen | $1,473 |
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Price information shown is comparative as the specific zip code location can increase or decrease premium rates considerably.
The type of vehicle that is being insured is probably the biggest factor that determines whether or not you can buy the most economical car insurance for inexperienced drivers. Vehicles with limited top-end speed, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than higher performance models. The data below presents insurance prices for a handful of the most economical automobiles to insure in Texas.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,278 |
| Honda CR-V EX 2WD | $1,288 |
| Ford Escape XLT 4WD | $1,306 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,432 |
| Chevrolet Impala LS | $1,483 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,511 |
| Jeep Grand Cherokee Laredo 2WD | $1,520 |
| Honda Civic VP 4-Dr Sedan | $1,563 |
| Toyota Camry SE | $1,591 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,619 |
| Ford Fusion SE 4-Dr Sedan | $1,628 |
| Honda Odyssey EX W/Rear Entertainment | $1,699 |
| Chevrolet Equinox LT 2WD | $1,729 |
| Toyota Prius | $1,742 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,760 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can alter coverage prices substantially.
Based upon these rates, you can assume that models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be a few of the most affordable vehicles to insure for new drivers.
The illustration below highlights how deductible selection can change insurance costs when trying to find cheap insurance for inexperienced drivers. The rate quotes are based on a single male driver, full coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could reduce rates by $352 a year by switching from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $1,026 each year just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Insuring your vehicle with the right insurer can be challenging considering how many choices there are in Texas. The information below can help you pick which car insurance companies to look at comparing rates from.
The rankings below only include the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in these rankings. To compare price quotes from these top-rated insurers and more, simply click here.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Houston car insurance rates
Car insurance companies that offer coverage for inexperienced drivers may have price discounts that may potentially lower prices by 25% or more if you meet certain criteria. A few popular companies and some of the discounts are:
- American Family may have discounts that include defensive driver, mySafetyValet, bundled insurance, Steer into Savings, good student, multi-vehicle, and TimeAway discount.
- State Farm has discounts for good student, safe vehicle, driver’s education, student away at school, and passive restraint.
- 21st Century offers premium reductions for early bird, theft prevention, good student, student driver, and anti-lock brakes.
- Travelers may offer discounts for continuous insurance, driver training, IntelliDrive, multi-policy, and hybrid/electric vehicle.
- GEICO offers discounts including anti-theft, driver training, seat belt use, multi-vehicle, five-year accident-free, and emergency military deployment.
The diagram below visualizes the comparison of insurance prices with and without policy discounts. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multiple policy, passive restraint, defensive driving course, and multiple vehicle discounts applied. In this example, the average amount saved each year on car insurance for inexperienced drivers is 28% or $669.
If you aren’t sure which coverage to buy and prefer to get some help when comparing insurance rates for inexperienced drivers, the agents shown below can probably aid you in deciding which policy fits your needs best. To locate a Houston auto insurance agent using an interactive map, click the button below the list or click here to compare prices now.
State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778
Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100
Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6 – Houston, TX 77082 – (281) 679-7155
Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200