Find Cheaper Texas Car Insurance Rates for High-Risk Drivers
Enter your Texas Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 27, 2024
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This would be a really short article if we could simply give you the name of the single best car insurance company that has the best auto insurance prices in Texas. It’s just not that simple, as there are a whole slew of unknown elements like if you are insuring for full coverage or just liability only, whether or not you are currently insured, and how well you maintain your credit, that all impact the cost of your policy. The content below will cover the different scenarios that increase car insurance cost and will hopefully give the reader a good start in finding the cheapest car insurance.
The type of vehicle to be insured is a significant factor when shopping around for the most economical coverage for high risk drivers. Vehicles with limited speed and performance, good safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models.
The next lists outlines auto insurance costs for a selection of the most affordable automobiles to insure in Texas.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu LT | $4,494 | $2,247 | $375 |
Ford Focus S 4-Dr Sedan | $4,384 | $2,192 | $365 |
Ford Fusion Sport AWD 4-Dr Sedan | $5,024 | $2,512 | $419 |
Honda Accord EX 2-Dr Coupe | $5,022 | $2,511 | $419 |
Hyundai Elantra GLS 4-Dr Sedan | $4,674 | $2,337 | $390 |
Hyundai Sonata SE 4-Dr Sedan | $5,022 | $2,511 | $419 |
Toyota Camry SE | $4,674 | $2,337 | $390 |
Toyota Corolla XRS | $4,730 | $2,365 | $394 |
Volkswagen Jetta S 4-Dr Sedan | $4,438 | $2,219 | $370 |
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Data rating is based on single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific location which can decrease or increase rates greatly.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX 2WD | $4,040 | $2,020 | $337 |
BMW X5 3.0I AWD | $4,786 | $2,393 | $399 |
Chevrolet Traverse LS 2WD | $3,802 | $1,901 | $317 |
Ford Escape Limited 4WD | $4,040 | $2,020 | $337 |
Ford Expedition Eddie Bauer 2WD | $4,332 | $2,166 | $361 |
Ford Explorer XLT AWD | $4,200 | $2,100 | $350 |
GMC Acadia SLE 2WD | $4,200 | $2,100 | $350 |
GMC Terrain SLT AWD | $4,332 | $2,166 | $361 |
Honda CR-V LX 2WD | $3,748 | $1,874 | $312 |
Honda Pilot EX-L 4WD | $4,494 | $2,247 | $375 |
Jeep Grand Cherokee Limited 2WD | $4,730 | $2,365 | $394 |
Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $4,868 | $2,434 | $406 |
Kia Sportage LX 2WD 4-Dr | $4,146 | $2,073 | $346 |
Toyota Highlander Hybrid 4WD | $4,786 | $2,393 | $399 |
Toyota RAV4 4WD | $4,438 | $2,219 | $370 |
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Data variables include single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can increase or decrease insurance rates considerably.
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Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD | $5,610 | $2,805 | $468 |
Chevrolet Silverado 3500HD LT Crew Cab 2WD | $4,786 | $2,393 | $399 |
Chevrolet Silverado LT Regular Cab 2WD | $4,786 | $2,393 | $399 |
Dodge Ram 3500 Mega Cab Laramie 2WD | $5,080 | $2,540 | $423 |
Dodge Ram Quad Cab Sport 2WD | $5,134 | $2,567 | $428 |
Ford F-150 Lariat Crew Cab Harley 4WD | $4,786 | $2,393 | $399 |
Ford F-250 Lariat Crew Cab Turbo Diesel 4WD | $5,748 | $2,874 | $479 |
GMC Sierra 3500HD SLT Crew Cab 2WD | $5,080 | $2,540 | $423 |
GMC Sierra SLE Regular Cab 2WD | $4,438 | $2,219 | $370 |
Toyota Tundra Limited Double Cab 2WD | $5,078 | $2,539 | $423 |
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Cost estimates assume single female driver age 30, two speeding tickets, two at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in vehicle garaging location which can affect coverage prices substantially.
For Texas drivers, one of the factors that is used to calculate the cost of insurance is where you live. Areas with more people or more claims like McAllen, Houston, and Brownsville likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The information below shows the highest-priced places in Texas for high risk drivers in which to buy car insurance.
Rank | City | Annual Premium |
---|---|---|
1 | McAllen | $2,016 |
2 | Dallas | $1,893 |
3 | Houston | $1,891 |
4 | Laredo | $1,889 |
5 | Brownsville | $1,870 |
6 | Garland | $1,850 |
7 | Grand Prairie | $1,811 |
8 | Amarillo | $1,786 |
9 | Beaumont | $1,772 |
10 | Mesquite | $1,771 |
11 | Pasadena | $1,758 |
12 | San Antonio | $1,739 |
13 | Irving | $1,719 |
14 | Lubbock | $1,682 |
15 | Arlington | $1,658 |
16 | Carrollton | $1,647 |
17 | Corpus Christi | $1,636 |
18 | Plano | $1,624 |
19 | Austin | $1,610 |
20 | McKinney | $1,609 |
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Rates are estimated as specific Texas garaging address can lower or raise insurance rates considerably.
Deciphering which companies have the best auto insurance rates for high risk drivers takes a tad more effort in order to find the lowest price. Every insurance company has a proprietary formula to establish rates, so let’s take a look at the most competitive auto insurance companies in Texas.
It’s a good idea to know that Texas auto insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay for coverage. Simply improving your credit, having a teenage driver, or getting a speeding ticket may prompt premium changes resulting in some companies being more affordable than the competition.
Rank | Company | Cost Per Year |
---|---|---|
1 | Travelers | $1,010 |
2 | USAA | $1,084 |
3 | Texas Farm Bureau | $1,199 |
4 | Germania Mutual | $1,256 |
5 | California Casualty | $1,382 |
6 | Esurance | $1,421 |
7 | State Farm | $1,465 |
8 | Mercury | $1,476 |
9 | Safe Auto | $1,597 |
10 | Nationwide | $1,600 |
11 | Progressive | $1,664 |
12 | Allstate | $1,718 |
13 | Amica | $1,723 |
14 | GEICO | $2,072 |
15 | Home State | $2,092 |
16 | MetLife | $2,183 |
17 | Unitrin | $2,241 |
18 | Encompass | $2,255 |
19 | 21st Century | $2,421 |
20 | Titan | $2,594 |
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Travelers quotes some of the most affordable car insurance rates in Texas at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also rank well as some of the cheapest Texas auto insurance companies.
As shown in the table above, if you are currently insured with California Casualty and switched to USAA, you may see annual savings of in the vicinity of $298. Texas drivers with Esurance could save as much as $337 a year, and State Farm policyholders might see rate reductions of $381 a year.
It’s important to note that these prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a rate increase for high risk drivers. So the company that can offer you the best price may not even be shown in the above rate chart. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Impact of careless driving on Texas auto insurance rates
In a perfect world, the best way to obtain affordable auto insurance rates for high risk drivers is to be a careful driver and maintain a clean driving record. The diagram below demonstrates how citations and at-fault accidents can increase yearly insurance costs for each different age group. The premiums are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Texas per year with a clean driving record and no accidents is $2,035. Factor in two speeding tickets and the average cost swells to $2,805, an increase of $771 each year. Next add two accidents along with the two speeding tickets and the annual cost of auto insurance for high risk drivers goes up to an average of $5,841. That’s an increase of $3,806, or $317 per month, just for being a little careless behind the wheel!
The example below illustrates how your choice of deductibles can impact yearly insurance costs when quoting cheap insurance for high risk drivers. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could cut expenses by $482 a year by changing from a $100 deductible to a $500 deductible, or save $726 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, could roll back prices up to $1,074 every year by using a higher deductible. When using a larger deductible, it will be required to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Your low-price policy may be costing you money
Texas auto insurance rates are based on many factors that may substantially change your annual premium. Simply having another birthday, moving to a new city, or getting a few speeding tickets can trigger rate changes that can now make some companies cheaper than competitors. And not only may your rating factors change, but auto insurance companies change premium rates without warning as an adjustment for underwriting gains or losses. Higher than normal claims may cause high rates, while less frequent claims can produce lower-cost Texas car insurance rates.
As an example, the chart below shows which company has the cheapest car insurance in Texas for a 40-year-old male driver with a good driving record, no prior claims, and excellent credit. If we estimate prices based on his personal profile, Travelers might offer the lowest car insurance rates in Texas at $1,052 each year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also on the list of the cheapest Texas auto insurance companies.
In this example, we will give the driver from the first example a chargeable accident, slightly worse credit, and a stop sign violation. Due to the fact that every auto insurer uses their own formula for setting rates, analyzing rate quotes may now present a new list of cheap Texas auto insurance companies as shown below.
State Farm now has the best car insurance rate in Texas with Mercury, USAA, Nationwide, and Safe Auto now rounding out the top five. This example demonstrates why it is critical to shop around to find the cheapest car insurance rates for high risk drivers. Prices are determined by many factors and can change substantially, so the cheapest rate the last time you shopped your coverage around may now be quite expensive.
Frequently Asked Questions
Why do high-risk drivers typically face higher car insurance rates in Texas?
High-risk drivers typically face higher car insurance rates in Texas because they are considered more likely to be involved in accidents or file claims. Factors that contribute to being classified as high-risk include a history of traffic violations, accidents, DUI convictions, or a lack of driving experience. Insurance companies charge higher premiums to offset the increased risk.
Are there any discounts or programs available to help high-risk drivers save on car insurance in Texas?
While discounts for high-risk drivers may be limited, some insurance companies in Texas offer programs to help them save on car insurance. These programs may include completing a defensive driving course, installing safety devices in your vehicle, or maintaining a clean driving record for a certain period. It’s best to check with various insurers to explore any available options.
How can I find cheaper car insurance rates in Texas as a high-risk driver?
To find cheaper car insurance rates in Texas as a high-risk driver, consider the following steps:
- Shop around and compare quotes: Obtain quotes from multiple insurance companies to find the most affordable option for your situation.
- Look for specialized insurers: Some insurance companies specialize in providing coverage to high-risk drivers. These insurers may offer more competitive rates.
- Improve your driving record: Focus on practicing safe driving habits, avoiding traffic violations, and maintaining a clean driving record over time. As your record improves, you may become eligible for lower insurance rates.
- Complete a defensive driving course: Some insurers offer discounts for completing a defensive driving course. Check with your insurance provider to see if this option is available.
- Consider installing safety devices: Installing safety devices, such as anti-theft systems or car alarms, may reduce the risk of theft or accidents and potentially lead to lower insurance rates.
Is it possible to get car insurance as a high-risk driver in Texas?.
Yes, it is possible to get car insurance as a high-risk driver in Texas. However, it may be more challenging and expensive compared to drivers with a clean driving record. Some insurance companies may be more willing to provide coverage than others, so it’s important to explore different options and compare quotes.
How long does a high-risk classification affect car insurance rates in Texas?
The duration of how long a high-risk classification affects car insurance rates in Texas varies depending on your driving history and the insurance company’s policies. Typically, violations, accidents, or DUI convictions remain on your driving record for several years. As time passes without any new incidents, and as your driving record improves, your insurance rates may gradually decrease.
Are there any steps I can take to improve my driving record and potentially lower my insurance rates in the future as a high-risk driver?
Yes, there are steps you can take to improve your driving record and potentially lower your insurance rates in the future as a high-risk driver:
- Obey traffic laws and practice safe driving habits consistently.
- Complete a defensive driving course or attend driver improvement programs to enhance your skills and knowledge.
- Maintain continuous coverage without any lapses.
- Avoid any additional traffic violations or accidents, as they can further impact your insurance rates.
- Consider opting for a higher deductible, which can help reduce your premiums.
Can working with an insurance agent help me find cheaper car insurance rates as a high-risk driver in Texas?
Yes, working with an experienced insurance agent can be beneficial when searching for cheaper car insurance rates as a high-risk driver in Texas. Agents have knowledge of the insurance market and can help you navigate options, find specialized insurers, and potentially negotiate better rates based on your specific circumstances. They can provide guidance on finding the most suitable coverage for your needs while minimizing costs. It’s recommended to consult with an insurance agent who specializes in high-risk drivers to explore your options and maximize your chances of finding cheaper car insurance rates in Texas.
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