The words “bargain” and “insurance” really don’t belong together, specifically when looking for the best coverage prices for uninsured drivers. To help control this cost, let’s take a look at a few of the factors that can significantly affect auto insurance prices, and see if we can help you reduce the price of the next policy you buy.
The vehicle model requiring insurance is a significant factor when trying to find the best cheap coverage for uninsured drivers. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models.
The list below illustrates car insurance costs for some of the cheapest vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,179 |
| Ford Escape Limited 2WD | $1,206 |
| Toyota Tacoma 4WD | $1,321 |
| Honda CR-V LX 2WD | $1,331 |
| Honda Accord EX 4-Dr Sedan | $1,341 |
| Ford Edge SE AWD | $1,367 |
| Chevrolet Equinox LT AWD | $1,394 |
| Toyota Camry SE | $1,470 |
| Toyota Prius | $1,473 |
| Chevrolet Silverado LT Regular Cab | $1,492 |
| Kia Optima LX | $1,497 |
| Dodge Grand Caravan SE | $1,500 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,517 |
| Ford Focus S 4-Dr Sedan | $1,536 |
| Ford Explorer Limited 2WD | $1,558 |
| Ford F-150 Lariat Super Cab 2WD | $1,564 |
| Chevrolet Malibu LS | $1,570 |
| Find Cheaper Rates Go | |
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in specific location information which can revise coverage rates considerably.
Looking at the numbers, we can tell that cars like the Hyundai Elantra, Ford Escape, Toyota Tacoma, Honda CR-V, and Honda Accord are most likely to be the less-costly vehicles to insure for drivers with no prior coverage.
One of the many criteria that determine the annual cost of car insurance is your address in Houston. More densely populated places tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The illustration below sorts the highest-priced places in Texas for uninsured drivers to purchase car insurance in. Houston makes the list at #3 with a yearly cost of $1,891 for the average insurance policy, which is around $158 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,908 |
| 3 | Houston | $1,891 |
| 4 | Laredo | $1,889 |
| 5 | Amarillo | $1,858 |
| 6 | Dallas | $1,837 |
| 7 | Garland | $1,832 |
| 8 | Mesquite | $1,807 |
| 9 | Irving | $1,772 |
| 10 | Beaumont | $1,754 |
| 11 | Pasadena | $1,740 |
| 12 | Grand Prairie | $1,740 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,688 |
| 15 | Arlington | $1,658 |
| 16 | El Paso | $1,632 |
| 17 | Austin | $1,627 |
| 18 | Fort Worth | $1,621 |
| 19 | Corpus Christi | $1,620 |
| 20 | Carrollton | $1,615 |
| 21 | McKinney | $1,577 |
| 22 | Waco | $1,569 |
| 23 | Plano | $1,560 |
| 24 | Abilene | $1,515 |
| 25 | Killeen | $1,473 |
| Get a Custom Quote Go | ||
Price information shown is comparative as the specific garaging location can increase or decrease price quotes noticeably.
Cost difference between full coverage and liability
Lowering the price of auto insurance is probably important to the majority of vehicle owners, and a great way to buy cheap insurance for uninsured drivers is to buy liability only. The example below shows the comparison of premium costs when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no other discounts are factored in.
If the expense is averaged for all age categories, full coverage costs $1,963 per year over having just liability coverage. Many of you may wonder if buying full coverage is worth the money. There is no set rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.
For example, let’s say your vehicle’s settlement value is $4,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,500 after the policy deductible has been paid. If premium cost is more than $350 annually for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where removing full coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
Insuring your vehicle with the highest-rated insurer can be difficult considering how many companies provide coverage in Houston. The company rank data in the lists below could help you decide which coverage providers to look at comparing rates with.
These rankings are for companies with a nationwide focus, so companies with more of a regional focus are not taken into consideration for these rankings. To compare prices from these and other top-rated companies, click this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Discount Houston insurance
Insurers that offer coverage for uninsured drivers may have price discounts that could lower prices by as much as 35% or more if you meet the requirements. Companies and a selection of discounts can be read below.
- Farm Bureau may have discounts that include youthful driver, driver training, 55 and retired, multi-policy, renewal discount, and multi-vehicle.
- MetLife offers premium reductions for good student, claim-free, good driver, defensive driver, and accident-free.
- Progressive may offer discounts for continuous coverage, online signing, homeowner, online quote discount, multi-vehicle, good student, and multi-policy.
- AAA has discounts for AAA membership discount, multi-car, anti-theft, good driver, good student, and education and occupation.
- American Family offers discounts for mySafetyValet, Steer into Savings, good driver, bundled insurance, multi-vehicle, and air bags.
- GEICO has savings for membership and employees, emergency military deployment, anti-lock brakes, federal employee, good student, daytime running lights, and anti-theft.
- State Farm includes discounts for Steer Clear safe driver discount, multiple autos, driver’s education, accident-free, and multiple policy.
The example below illustrates the difference between annual premium costs with and without discounts applied to the premium. The prices are based on a female driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, multiple vehicle, anti-theft, safe-driver, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for uninsured drivers is 28% or $474.
How to find low-cost auto insurance for uninsured drivers
It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help you locate cheap car insurance.
- Improve your credit score
- Do not get into accidents that are your fault
- Do not pay for full coverage if not needed
- Safe vehicles cost less to insure
- Insure your home and auto with the same company
- Shop around and save
That last tip is incredibly critical, as we hit on in this write-up. Prices charged by companies in Houston fluctuate constantly, so don’t be tentative to switch to a new company if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty ends up costing a fortune every year. Take a few minutes and compare rates to find cheaper car insurance for uninsured drivers.
The agents listed below can most likely help you decide which car insurance policy is best, since some drivers have questions and prefer to have a little guidance when trying to find lower insurance rates for drivers with no prior coverage. It can be hard to find the best rates on your own, so insurance agents can give you satisfaction knowing your policy gives you decent coverage if you have a claim.
To locate a Houston insurance agent in your neighborhood, click the button link following the list or click here to compare prices now.
- Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800 - Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608 – Houston, TX 77060 – (281) 537-7890 - Town and Country Insurance Agency – Houston, TX
10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979