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Cheapest Car Insurance Quotes for High Risk Drivers in Texas

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.

Car Insurance Rates for Popular Cars in Texas
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly 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.

Insurance Rates for Popular SUVs and Crossovers in Texas
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly 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.

Auto Insurance Rates for Popular Pickup Trucks in Texas
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly 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.

How much is auto insurance in Texas?
RankCityAnnual Premium
1McAllen$2,016
2Dallas$1,893
3Houston$1,891
4Laredo$1,889
5Brownsville$1,870
6Garland$1,850
7Grand Prairie$1,811
8Amarillo$1,786
9Beaumont$1,772
10Mesquite$1,771
11Pasadena$1,758
12San Antonio$1,739
13Irving$1,719
14Lubbock$1,682
15Arlington$1,658
16Carrollton$1,647
17Corpus Christi$1,636
18Plano$1,624
19Austin$1,610
20McKinney$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.

Best Cheap Insurance Rates for Risky Drivers

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Texas car insurance ranked by cost per year
RankCompanyCost Per Year
1Travelers$1,010
2USAA$1,084
3Texas Farm Bureau$1,199
4Germania Mutual$1,256
5California Casualty$1,382
6Esurance$1,421
7State Farm$1,465
8Mercury$1,476
9Safe Auto$1,597
10Nationwide$1,600
11Progressive$1,664
12Allstate$1,718
13Amica$1,723
14GEICO$2,072
15Home State$2,092
16MetLife$2,183
17Unitrin$2,241
18Encompass$2,255
1921st Century$2,421
20Titan$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.

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.

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