How Much Does Auto Insurance Cost for Drivers with a Bad Driving Record in Texas?
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UPDATED: Nov 15, 2019
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You’ve seen the captivating ads from insurers like GEICO and State Farm that say if you switch you’ll get enormous savings. So drivers should just choose one randomly, right?
It’s not that easy, however, as there are a whole bunch of unknown elements such as the amount of liability coverage you need, whether you have good or poor credit, whether you are married or single, and if you are insuring for full coverage or just liability only, that all have an effect on the price. This article will discuss the best ways to pay less and will hopefully give you a good beginning to your quest for cheaper car insurance in Texas.
When shopping for the cheapest insurance for bad drivers, one of the many components that help determine insurance cost is where your car is garaged. Cities with larger populations or higher claim trends like McAllen, Dallas, and Laredo tend to have more expensive car insurance rates, whereas cities that are not as densely populated benefit from having to pay less for coverage.
The following table lists the most expensive places in Texas for drivers with a bad driving record in which to purchase auto insurance.
|Rank||City||Premium Per Year|
|Find Cheaper Rates Go|
Price information shown is comparative as specific location information can raise or lower price quotes substantially.
The type of vehicle that needs insurance is one of the main factors when comparison shopping for cheap insurance for drivers with a bad driving record in Texas. Vehicles with limited top-end speed, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The information below shows car insurance premiums for a number of the most economical vehicles to insure in Texas.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$3,445|
|Ford Escape XLS 2WD||$3,452|
|Honda CR-V LX 4WD||$3,582|
|Chevrolet Traverse LT AWD||$3,705|
|Honda Accord EX-L 4-Dr Sedan||$3,817|
|Dodge Grand Caravan SE||$3,901|
|Kia Forte LX 4-Dr Sedan||$4,047|
|Subaru Outback 2.5I||$4,088|
|Subaru Forester XT Limited Edition W/Navigation AWD||$4,106|
|Ford Explorer Limited 4WD||$4,122|
|Ford Focus S 4-Dr Sedan||$4,200|
|Ford Edge Limited 2WD||$4,206|
|Chevrolet Impala LS||$4,200|
|Hyundai Santa Fe GLS 2WD||$4,205|
|Hyundai Tucson Limited 2WD||$4,241|
|Volkswagen Jetta LE 4-Dr Sedan||$4,250|
|Toyota RAV4 Limited 4WD||$4,245|
|Toyota Corolla S||$4,266|
|Toyota Tacoma Double Cab 4WD||$4,291|
|Compare Cheap Rates Go|
Prices based on married female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can impact premium rates substantially.
Looking at the data, we can infer that cars like the Hyundai Elantra, Ford Escape, Honda CR-V, Chevrolet Traverse, and Honda Accord are going to be the cheapest vehicles to insure for bad drivers. Rates will be more costly because there is more claim exposure for drivers with a bad driving record, but generally speaking those makes and models will have the cheapest car insurance rates compared to other types of vehicles.
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Insurance providers that offer cheap insurance for drivers with a bad driving record in Texas may have premium discounts that may potentially lower prices by as much as 40% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts include:
- GEICO may include discounts for driver training, defensive driver, daytime running lights, five-year accident-free, and membership and employees.
- SAFECO offers discounts including bundle discounts, safe driver, anti-lock brakes, accident prevention training, homeowner, teen safety rewards, and multi-car.
- State Farm has savings for Drive Safe & Save, good driver, safe vehicle, multiple autos, and driver’s education.
- MetLife policyholders can earn discounts including good student, multi-policy, accident-free, defensive driver, claim-free, good driver
- 21st Century has discounts for theft prevention, driver training, 55 and older, good student, and student driver.
- Progressive offers premium reductions for online signing, continuous coverage, online quote discount, homeowner, multi-vehicle, and good student.
The example below visualizes the comparison of auto insurance rates with and without discounts. The price estimates are based on a female driver, one accident and three citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, marriage, paid-in-full, paperless filing, homeowner, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved on insurance for drivers with a bad driving record is 28% or $981.
Cost difference between full coverage and liability
Finding cheap insurance for drivers with a bad driving record in Texas is the goal of most people, and a good way to save on the cost of insurance is to not buy full coverage. The chart below compares auto insurance rates with and without physical damage coverage. The premiums are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no additional discounts are factored in.
Averaged out for all age groups, comprehensive and collision coverage on your policy costs $2,671 per year more than carrying just liability coverage. That is a large expense which might make you wonder if buying full coverage is worth the expense. There isn’t a steadfast formula of when to stop paying for physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
Cautious Texas drivers save money
A great way to score low insurance rates in Texas for bad drivers is to be an attentive driver and not have accidents or get tickets. The illustration below demonstrates how traffic citations and accidents can raise insurance rates for each age group. The data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $1,682. Get written up for two speeding tickets and the average cost swells to $2,397, an increase of $715 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for drivers with a bad driving record increases to an average of $4,930. That’s an increase of $3,248, or $271 per month, just for not keeping your driving record clean!
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