How Much are Austin Auto Insurance Rates for Teenage Females?

You have seen the captivating commercials from auto insurance companies like Allstate, Liberty Mutual, and State Farm promising the cheapest rates, so you should just pick the one with the catchiest commercial, right?

It’s not that easy, however, as there are a ton of unknown elements such as the miles you drive each year, the crime level of your neighborhood, your credit score, and whether you are single or married, that all factor into the price you pay. We will attempt to cover these topics and educate you enough to have a good start in finding the cheapest car insurance in Austin.

For teen girls, one of the more important factors that are used to help calculate the amount you pay each year for auto insurance is your zip code. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The next table shows the priciest cities in Texas for teenage females to buy an auto insurance policy in. Austin is listed at #14 with an annual cost of $1,676 on average, which is around $140 each month.

How much is auto insurance in Austin, TX?
Rank City Premium Per Year
1 McAllen $1,996
2 Brownsville $1,908
3 Laredo $1,889
4 Dallas $1,837
5 Houston $1,835
6 Garland $1,832
7 Mesquite $1,825
8 Pasadena $1,812
9 Grand Prairie $1,811
10 Amarillo $1,786
11 Beaumont $1,772
12 Irving $1,736
13 San Antonio $1,722
14 Austin $1,676
15 Lubbock $1,665
16 Fort Worth $1,653
17 Arlington $1,642
18 El Paso $1,632
19 Plano $1,624
20 Carrollton $1,598
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Rate quotes are estimated as specific Austin garaging address can alter price quotes substantially.

The make and model of vehicle to be insured is one of the largest factors when shopping around for economical car insurance for teenage females. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost much more to insure than safer models. The information below presents coverage premiums for a selection of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Austin, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $3,410
Ford Escape Limited 2WD $3,419
Toyota Prius $3,658
Dodge Grand Caravan CV $3,792
Ford Focus SE 4-Dr Sedan $3,975
Toyota RAV4 4WD $4,007
Chevrolet Impala LT $4,015
Volkswagen Jetta S 4-Dr Sedan $4,007
Ford F-150 Lariat Super Cab 2WD $4,040
Chevrolet Malibu LT $4,049
Dodge Ram 3500 Crew Cab Laramie 2WD $4,040
Ford Explorer Limited 2WD $4,046
Toyota Tacoma Double Cab 4WD $4,040
Jeep Wrangler Unlimited Sport 2WD 4-Dr $4,185
Toyota Corolla LE $4,220
Honda Odyssey EX-L $4,226
Hyundai Elantra GLS 4-Dr Sedan $4,220
Ford Edge Sport 2WD $4,225
Toyota Camry XLE $4,220
Jeep Grand Cherokee SRT-8 4WD $4,253
Ford Fusion Sport 4-Dr Sedan $4,263
GMC Sierra SLE Crew Cab 4WD $4,253
Chevrolet Equinox LTZ AWD $4,258
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Data based on 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 Austin, TX location which can modify auto insurance rates considerably.

Based upon the rates shown, we can presume that cars like the Honda CR-V, Ford Escape, Toyota Prius, Dodge Grand Caravan, and Ford Focus are likely to be some of the most budget-friendly vehicles to insure for teen girls. Auto insurance rates will be higher anyway because of the fact that there is more claim exposure for teenage females, but overall those makes and models will most likely have the lowest insurance prices that you are likely to find.

Trying to buy affordable car insurance is hard enough, and finding out which companies have the cheapest auto insurance rates for teenage females requires even more rate comparisons.

Each insurance company uses slightly different criteria for determining prices, so let’s rank the auto insurance companies with the overall cheapest rates in Austin.

Best Insurance Companies for Teens

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 California Casualty $1,396
6 Esurance $1,421
7 Mercury $1,461
8 State Farm $1,465
9 Safe Auto $1,549
10 Nationwide $1,553
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,705
14 GEICO $2,093
15 Home State $2,155
16 MetLife $2,227
17 Encompass $2,232
18 Unitrin $2,264
19 21st Century $2,494
20 Titan $2,594
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Travelers may have some of the most affordable car insurance rates in Austin at around $1,041 annually. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the cheapest Austin, TX insurance companies.

As the rates illustrate above, if you buy coverage from USAA and switched to Travelers, you might achieve an annual savings of approximately $43. Texas drivers with Texas Farm Bureau might save as much as $158 a year, and Germania Mutual insureds might see rate reductions of $253 a year.

Be aware that those estimates are averages across all types of insureds and vehicles and and are not figured with an exact location for teenage females. So the insurer that has the cheapest rates for you may not even be in the top 23 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Does full coverage make sense?

Finding cheaper auto insurance is important to most people, and a good way to reduce the cost of insurance for teenage females is to buy liability only. The information below visualizes the comparison of annual premium costs when comparing full coverage to liability only. Data assumes no violations or accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, full coverage costs an additional $2,131 per year over and above liability coverage. That amount may make you wonder when is the right time to remove full coverage. There is no specific rule for phasing out physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s replacement cost is $5,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,500 after paying the physical damage deductible. If it’s costing in excess of $450 annually for full coverage, then it might be time to buy liability only.

There are some circumstances where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

The example below shows how choosing a deductible can impact annual premium costs when trying to find cheap insurance for teenage females. The premiums are based on a married male driver, full coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could cut expenses by $372 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $560 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, have the ability to save $1,240 or more by using higher deductibles when buying full coverage.

When choosing a higher deductible, it will be required to have enough savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Are you paying too much for car insurance in Austin?

Texas auto insurance rates are based on many factors that can increase the price of your policy. Simply having a birthday, having a teenage driver, or getting a reckless driving citation may generate price changes that can now make some companies more affordable than others. In addition, auto insurance companies file new rates every year or even multiple times each year in order to maintain liquidity for claims. Larger than normal claims may result in increased rates, while lower claims can produce lower-priced Austin car insurance rates.

To illustrate this example, the bar chart below analyzes the cheapest car insurance in Austin, TX for a 35-year-old male driver with no prior accidents, a clean driving record, and excellent credit. If we compare prices based on his current rating profile, Travelers may offer the cheapest car insurance rates in Austin at $1,130 annually. This is $774 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remaining cheapest Austin, TX auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example a couple of claims, poor credit, and a stop sign violation. Since each auto insurance company has a proprietary method to establish rates, comparing insurance quotes could now result in a different ranking of the cheapest Austin car insurance companies as shown below.

Mercury now has the best car insurance rate in Austin with State Farm, USAA, Nationwide, and Safe Auto also being competitive. This example demonstrates why it is so important to take the time to shop around when trying to get affordable car insurance quotes for teenage females. Insurance rates can be altered by many things and change substantially, so the best company the last time you shopped around may now be quite expensive.

The Austin car insurance agencies listed below are willing to aid you in deciding which auto insurance policy would work best for you, since some people prefer to get some professional input when comparing insurance rates for teen girls. It can be challenging to find the cheapest car insurance policy, so a licensed agent can provide you peace of mind knowing your policy gives you suitable coverage if you have an accident. To find an auto insurance agency nearest to you, click the button at the bottom.

EZ Insurance Agency – North
7600 N Lamar Blvd # EAustin, TX 78752(512) 445-2700

Capitol City Insurance
8030 N Mopac ExpyAustin, TX 78759(512) 343-0280

State Farm: Dick Clay
3006 Bee Cave Rd Suite B170Austin, TX 78746(512) 328-2340

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