How Much are Auto Insurance Rates for High School Students in Austin?

Locating budget car insurance is not always easy, and deciding which companies have the cheapest car insurance rates for high school students involves a bit more work. Each auto insurer uses their own calculation for determining rates in each state, so first we will examine the car insurance companies with the overall cheapest rates in Austin.

It’s a good idea to be aware that Texas car insurance rates are calculated based on many things that can increase the policy premium. This price fluctuation is why consumers need to compare many different companies when trying to find the lowest car insurance quotes for high school students. Car insurance prices consist of many risk factors and can change without notice, so the most affordable company the last time you shopped around may now be one of the higher cost companies.

Cheap Insurance Rates for Students

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,256
5 California Casualty $1,382
6 Esurance $1,407
7 Mercury $1,476
8 State Farm $1,510
9 Nationwide $1,553
10 Safe Auto $1,597
11 Progressive $1,715
12 Allstate $1,718
13 Amica $1,757
14 Home State $2,071
15 GEICO $2,156
16 MetLife $2,249
17 Encompass $2,301
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,568
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Travelers generally has some of the most affordable car insurance rates in Austin at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the more affordable Austin, TX insurance companies.

In the above rates, if you currently have a policy with USAA and switched to Travelers, you could realize savings of upwards of $43. Customers with Texas Farm Bureau could save as much as $206 a year, and Germania Mutual insureds might reduce rates by $215 a year.

These prices are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for high school students. So the insurer that fits your needs best may not even be in the top 23 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own personal information and vehicle type.

One of the more important things that aid in calculating the amount you pay for auto insurance is where you keep your car. Areas with more people or higher crime rates likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.

The information below lists the highest-priced areas in Texas for high school students in which to buy car insurance. Austin makes the list at #15 with an annual rate of $1,659 for the average policy, which is around $138 monthly.

How much is auto insurance in Austin, TX?
Rank City Premium Per Year
1 McAllen $1,956
2 Brownsville $1,908
3 Houston $1,891
4 Laredo $1,889
5 Dallas $1,837
6 Grand Prairie $1,811
7 Mesquite $1,807
8 Amarillo $1,804
9 Garland $1,778
10 Beaumont $1,772
11 Pasadena $1,758
12 Irving $1,736
13 San Antonio $1,722
14 Lubbock $1,665
15 Austin $1,659
16 Arlington $1,658
17 Carrollton $1,647
18 McKinney $1,625
19 Fort Worth $1,621
20 El Paso $1,616
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Annual rates are estimated as the specific area where the vehicle is garaged can revise prices considerably.

The type of vehicle driven is probably the most important factor that determines whether or not you find cheap car insurance for high school students. Vehicles with lots of horsepower, poor safety features, or a history of substantial liability claims will cost substantially more to insure than safer models.

The next list presents coverage rates for some of the most cost-effective automobiles to insure in Texas.

Cheapest Vehicles to Insure in Austin, TX
Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $4,084
Ford Escape XLS 2WD $4,093
Honda CR-V LX 4WD $4,084
Volkswagen Jetta S 2.5 Station Wagon $4,374
Toyota Prius $4,413
Ford F-150 XL Super Cab 4WD $4,593
Dodge Grand Caravan SE $4,601
Ford Edge SEL AWD $4,805
Honda Odyssey EX W/Rear Entertainment $4,813
Toyota Tacoma 2WD $4,805
Chevrolet Equinox LT AWD $4,844
Toyota RAV4 2WD $4,849
GMC Sierra SLE Regular Cab 2WD $4,844
Chevrolet Malibu LT $4,883
Ford Explorer Limited 4WD $4,888
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Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in your specific Austin, TX location which can affect coverage prices substantially.

By looking at the data, we can conclude that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Volkswagen Jetta are going to be some of the more affordable vehicles to insure for teenagers. The price for an auto insurance policy will be more costly because of the fact that there is more claim risk for high school students, but overall those particular models will tend to have the lowest insurance prices possible.

Poor driving habits will raise your car insurance rates

The recommended way to score the cheapest car insurance premiums for teenagers is to be a cautious driver and avoid accidents and keep your driving record clean. The illustration below illustrates how violations and accidents increase insurance premiums for different age categories. The price estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

The data in the chart shows the average cost of auto insurance in Texas per year with no violations or accidents is $1,358. Get one speeding ticket and the average cost swells to $1,564, an increase of $206 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for high school students jumps again to an average of $2,130. That’s an increase of $772, or $64 per month, just for not being attentive to the road!

Discount Austin auto insurance

Car insurance for teenagers in Austin, TXInsurance providers that offer cheap quotes for high school students may also provide discounts that can lower rates by as much as 40% or more if you meet the requirements. Popular car insurance companies and a summarized list of policyholder discounts can be read below.

The information below shows the comparison of auto insurance costs with and without discounts being applied to the rates. Data assumes a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, anti-theft, continuous coverage, paid-in-full, good student, and paperless filing discounts applied. With discounts applied, the average amount saved each year on car insurance for high school students is 28% or $639.

The insurance agents in Austin listed below can probably provide answers to your questions and help you determine which auto insurance policy fits you best, since some people have coverage questions and would like to get some professional input when comparing insurance rates for teenagers. It can be hard to find the best coverage yourself, and getting advice from a licensed agent can bring comfort knowing your policy gives you adequate protection in case of an accident or claim.

To find an auto insurance agency by location nearest to you, click the button link following the list.

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How to find more affordable insurance for high school students

It is possible to find better rates, and here are some money-saving solutions that can help you quote cheap coverage.

The final tip is remarkably critical, as was emphasized in the article above. Prices charged by auto insurers adjust often, so don’t be afraid to change to a new company if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if your bullheadedness ends up costing you several hundred dollars every year. If you have a few minutes, compare rates and find cheaper auto insurance for high school students in Austin.