The vehicle model you are insuring is a significant factor that determines the availability of economical car insurance for a school permit. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than more modest models.
The next table features car insurance rates for some of the cheapest automobiles to insure in Texas.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $5,037 |
| Ford Escape XLT 4WD | $5,090 |
| Jeep Wrangler Sport 4WD 2-Dr | $5,267 |
| Toyota Prius | $5,473 |
| Toyota Tacoma 4WD | $5,649 |
| Ford F-150 STX Super Cab 4WD | $5,702 |
| Volkswagen Jetta 2.0T Station Wagon | $5,800 |
| Ford Focus SE 4-Dr Sedan | $5,926 |
| Honda Odyssey EX | $5,935 |
| Ford Edge SEL 2WD | $5,926 |
| Chevrolet Impala LS | $5,932 |
| Honda Civic DX 4-Dr Sedan | $5,926 |
| Chevrolet Equinox LS 2WD | $5,979 |
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Price data assumes single male 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. Rate quotes do not factor in vehicle garaging location which can influence premiums greatly.
Based on these rates, you can infer that cars like the Honda CR-V, Ford Escape, and Jeep Wrangler are going to be some of the most budget-friendly vehicles to insure for a learners permit. Car insurance rates will tend to be higher just due to the fact that there is more liability risk for a school permit, but overall those vehicles will most likely have the cheapest auto insurance rates that you are likely to find.
One of the more important factors that aid in calculating the annual cost of car insurance is where you normally keep your vehicle in Dallas. Regions with larger populations or more claims are more likely to have higher rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The next table lists the priciest cities in Texas for a school permit in which to purchase auto insurance. Dallas ranks #4 with a yearly premium of $1,837 for the average policyholder, which is approximately $153 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Brownsville | $1,851 |
| 3 | Amarillo | $1,840 |
| 4 | Dallas | $1,837 |
| 5 | Houston | $1,835 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,807 |
| 8 | Garland | $1,796 |
| 9 | Pasadena | $1,794 |
| 10 | Beaumont | $1,772 |
| 11 | Grand Prairie | $1,740 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,716 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,658 |
| 17 | Carrollton | $1,647 |
| 18 | Corpus Christi | $1,636 |
| 19 | Fort Worth | $1,621 |
| 20 | El Paso | $1,584 |
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Annual rates are estimated as the specific geographic location can influence coverage prices substantially.
Selecting a good quality auto insurance provider can be challenging considering how many companies are available to choose from in Dallas. The company ratings below could help you decide which auto insurers to look at when comparing rate quotes.
The ratings below are only made up of major nationwide insurance companies, so companies without a large exposure are not factored into this list. To view rates 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 shows how choosing a deductible can influence insurance prices when trying to find cheap insurance for a school permit. The premiums assume a single male driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could lower rates by $490 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $740 by choosing a $1,000 deductible. Even younger insureds, such as the Age 20 example, can save $1,446 each year by choosing a larger deductible amount.
If you do make the decision to raise your deductibles, it is a good idea to have enough in a savings account to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
A good deal can quickly turn bad
Texas car insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. Simply improving your credit, having a teenage driver, or getting a few speeding tickets can trigger rate changes that can cause some rates to be more affordable than competitors. In addition, insurance companies change premium rates multiple times each year in order to offset underwriting gains or losses. Heavier than normal losses can cause rate hikes, while long-term profits can result in more affordable Dallas car insurance rates.
To illustrate this point, the data below demonstrates which company has the cheapest car insurance in Dallas, TX for a 45-year-old male driver with no accidents or violations, and good financial standing. When comparing rates based on his current risk profile, Travelers may offer the most affordable car insurance rates in Dallas at $1,324 each year. This is $580 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the most affordable Dallas, TX auto insurance companies.
Now we will pretend the driver from the first example a chargeable accident, slightly worse credit, and a speeding citation. Since every insurance provider uses their own formula to set premium rates, analyzing rates could now result in a completely different list of companies as shown below.
State Farm now has the lowest price on auto insurance in Dallas, TX with Mercury, USAA, Safe Auto, and Nationwide also having competitive pricing. This example proves why it is critical to take the time to shop around when trying to get the most affordable insurance quotes for a school permit.
Car insurance prices are influenced by many different factors and can change substantially, so the best company two years ago may now be one of the more expensive options.
If you prefer to have a little guidance when buying car insurance for a learners permit, the agents listed below are willing to help you determine which car insurance policy is best.
To locate an agency nearest to you, click the button after the list or click here to compare prices now.
- Eves Insurance Agency
1318 Pioneer Dr – Dallas, TX 75224 – (214) 941-1300 - Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 – Dallas, TX 75230 – (214) 890-0760 - Ann Nguyen – State Farm Insurance Agent
12655 N Central Expy #310 – Dallas, TX 75243 – (214) 692-0900 - Oak Lawn Insurance
5200 Lemmon Ave #105, Dallas, TX 75209, USA – TX 75209, TX USA – (214) 521-2212 - CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911