The words “affordable” and “auto insurance” really shouldn’t be used together, in particular when searching for the lowest insurance rates for high school students. To help control this cost, let’s familiarize you with a few of the factors that have an impact on auto insurance prices, and find out if you can shave a little off your next policy.
Finding affordable insurance is not the easiest thing to accomplish, and figuring out which company quotes the best car insurance rates for high school students calls for even more rate comparisons.
Every insurance provider has their own unique process for filing rates in each state, so let’s rank the car insurance companies with the most affordable rates in Dallas, TX. It’s a good idea to be aware that Dallas, TX car insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply having a birthday, buying a higher-value vehicle, or having a fender bender can produce rate changes that can now make some companies more expensive than competitors.
Find Cheaper Auto Insurance for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,092 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,568 |
| Compare Rates Now Go | ||
Travelers offers some of the best car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Dallas, TX insurance companies.
In this example, if you are insured with Germania Mutual and switched to USAA, you could realize a yearly price reduction of in the vicinity of $210. Drivers with Esurance may save as much as $295 a year, and California Casualty policyholders might realize rate reductions of up to $298 a year.
Bear in mind that those premium estimates are averaged for all insureds and vehicles and do not factor in an exact vehicle garaging location for high school students. So the company that can offer you the lowest price may not even be in the top 23 companies shown above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.
The type of vehicle you are buying coverage for is one of the largest factors that determines the availability of the most affordable car insurance for high school students. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The next table illustrates coverage prices for some of the most cost-effective vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $4,476 |
| Ford Escape XLS 4WD | $4,482 |
| Toyota Prius | $4,846 |
| Ford Explorer XLT 4WD | $5,028 |
| Ford Edge SE AWD | $5,265 |
| Chevrolet Equinox LS AWD | $5,310 |
| Toyota Camry LE | $5,316 |
| Toyota RAV4 Limited 4WD | $5,310 |
| Chevrolet Impala LT | $5,316 |
| Nissan Altima 2.5 4-Dr Sedan | $5,310 |
| Ford F-150 Lariat Crew Cab 4WD | $5,353 |
| Dodge Grand Caravan SXT | $5,359 |
| Toyota Tacoma Double Cab 4WD | $5,353 |
| Ford Focus SES 4-Dr Sedan | $5,548 |
| Hyundai Elantra SE 4-Dr Sedan | $5,593 |
| Toyota Corolla S | $5,601 |
| Honda Odyssey Touring | $5,635 |
| Jeep Grand Cherokee SRT-8 4WD | $5,645 |
| GMC Sierra SLT Extended Cab 2WD | $5,635 |
| Volkswagen Jetta SEL 4-Dr Sedan | $5,640 |
| Ford Fusion SEL 4-Dr Sedan | $5,635 |
| Chevrolet Malibu LTZ | $5,644 |
| Ford F-350 XL Crew Cab King Ranch 2WD | $5,680 |
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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 claim-free, and safe-driver. Rates do not factor in garaging location in Dallas, TX which can modify coverage prices significantly.
Based upon these rates, models like the Honda CR-V, Ford Escape, Toyota Prius, and Ford Explorer are most likely to be a few of the more affordable vehicles to insure for teenagers. The cost of a car insurance policy will tend to be more expensive anyway just because there is more liability exposure for high school students, but in general those makes and models will tend to have the least expensive rates compared to other vehicles.
For teenagers, one of the more important things that aid in calculating the annual cost of car insurance is where you normally keep your vehicle in Dallas. Areas with increased crime or more people are more likely to have higher rates, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.
The next table shows the most costly cities in Texas for high school students to purchase car insurance in. Dallas is listed at #4 with an annual rate of $1,855 for the average policy, which is approximately $155 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Houston | $1,909 |
| 4 | Dallas | $1,855 |
| 5 | Laredo | $1,833 |
| 6 | Mesquite | $1,825 |
| 7 | Pasadena | $1,812 |
| 8 | Amarillo | $1,804 |
| 9 | Garland | $1,778 |
| 10 | Beaumont | $1,772 |
| 11 | Grand Prairie | $1,757 |
| 12 | Irving | $1,736 |
| 13 | Arlington | $1,709 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Carrollton | $1,647 |
| 17 | McKinney | $1,625 |
| 18 | Plano | $1,624 |
| 19 | Fort Worth | $1,621 |
| 20 | Corpus Christi | $1,620 |
| 21 | El Paso | $1,616 |
| 22 | Austin | $1,610 |
| 23 | Waco | $1,584 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,488 |
| Compare Prices Now Go | ||
Rate quotes are approximated as specific Dallas zip code can change price quotes noticeably.
Types of discounts on Dallas auto insurance
Insurers that provide coverage for high school students may also provide price discounts that can reduce rates by as much as 25% or more if you meet certain criteria. A list of companies and their possible discounts are included below.
- State Farm discounts include safe vehicle, Drive Safe & Save, student away at school, good driver, defensive driving training, and good student.
- Progressive offers premium reductions for continuous coverage, online signing, homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
- Progressive includes discounts for multi-policy, multi-vehicle, online signing, continuous coverage, homeowner, and good student.
- MetLife offers discounts for multi-policy, good driver, claim-free, defensive driver, and accident-free.
- Farm Bureau may offer discounts for driver training, multi-vehicle, 55 and retired, youthful driver, multi-policy, safe driver, and good student.
- GEICO may include discounts for anti-lock brakes, federal employee, good student, air bags, and multi-policy.
- SAFECO has discounts for anti-lock brakes, homeowner, safe driver, anti-theft, teen safety rewards, drive less, and accident prevention training.
The information below illustrates the comparison of premium costs with and without some available policy discounts. Data assumes a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, good student, anti-theft, paperless filing, paid-in-full, and continuous coverage discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for high school students is 28% or $660.
Ending up with a highly-rated car insurance company can be difficult considering how many companies there are in Texas. The rank data shown next could help you choose which insurers to look at shopping prices with.
The rankings below only include companies with a national presence, so companies that focus mainly on Texas business are not factored into these rankings. If you’d like to compare prices from these top insurers and more, follow 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The chart below demonstrates how deductibles can raise or lower insurance costs when searching for cheap insurance for high school students. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 50-year-old driver could lower their car insurance rates by $302 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices $766 every year just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be required to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find cheaper auto insurance for high school students
Below you’ll find some of the better thrifty solutions that can help drivers buy more affordable car insurance.
- Being accident-free can lower rates significantly
- Do not file small claims
- Save money by bundling your home and auto policies
- Buy a car with high safety ratings
- Violations like speeding or DUI increase rates
- Comparison shop at least every other year
That last idea is very necessary, as was emphasized in this piece. Insurance rates in Dallas fluctuate considerably, so don’t be hesitant to buy a different policy if a cheaper rate is available. Having brand loyalty is commendable, but it’s not a good idea if that stubbornness costs you hundreds every year. Now is a great time to shop around and find cheaper insurance for high school students.
If you have questions and prefer to have some advice when buying car insurance for teenagers, the agents listed below are willing to help you determine which insurance coverage you need. To locate a Dallas insurance agent nearest to you, click the link at the bottom.
- State Farm: Dwight Hill
10300 N Central Expy #296 – Dallas, TX 75231 – (469) 232-2396 - CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911 - Associations Insurance Agency, Inc.
5401 N Central Expy Suite 200 – Dallas, TX 75205 – (866) 384-8579 - John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050