The vehicle to be insured is a large factor when trying to find the best insurance for drivers with accidents. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than higher performance models. The next table ranks car insurance costs for the most economical vehicles to insure in Texas.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$2,116|
|Honda Accord EX 4-Dr Sedan||$2,244|
|Honda CR-V EX 4WD||$2,269|
|Jeep Wrangler Sport 4WD 2-Dr||$2,346|
|Ford F-150 XL Super Cab 2WD||$2,486|
|Dodge Grand Caravan SE||$2,519|
|Ford Focus SE 4-Dr Sedan||$2,625|
|Honda Odyssey EX||$2,633|
|Chevrolet Impala LS||$2,625|
|Toyota Corolla LE||$2,634|
|Volkswagen Jetta S 4-Dr Sedan||$2,654|
|Chevrolet Equinox LT 2WD||$2,662|
|Jeep Grand Cherokee Laredo 2WD||$2,658|
|Toyota RAV4 Sport 2WD||$2,665|
|GMC Sierra SLT Extended Cab 2WD||$2,661|
|Ford Explorer Limited AWD||$2,683|
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Premium data assumes married female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Information does not factor in specific location which can decrease or increase premium rates noticeably.
Based upon these rates, you can expect makes and models like the Ford Escape, Honda Accord, Honda CR-V, and Jeep Wrangler will be the most economical vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will tend to be more expensive anyway just because there is more claim exposure for drivers with accidents, but overall those particular models will tend to have the cheapest auto insurance rates that you are likely to find.
One of the more important factors that determine the amount you pay for auto insurance is where you live. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The table below shows the most expensive cities in Texas for drivers with accidents in which to purchase auto insurance. Austin is ranked at #17 with a yearly premium of $1,659 for coverage, which is approximately $138 each month.
|Rank||City||Premium Per Year|
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Premium amounts are estimated as the specific area where the vehicle is garaged can revise premium rates noticeably.
Insurance rate increases from tickets or accidents
The obvious way to score the most affordable insurance premiums in Austin for drivers with at-fault accidents is to be a safe driver and avoid at-fault accidents and violations. The diagram below highlights how traffic violations and at-fault accidents can drive up yearly insurance costs for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $1,529. Receive one speeding ticket and the average cost hikes up to $1,758, an increase of $229 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for drivers with accidents goes up to an average of $2,391. That’s an increase of $862, or $72 per month, just for not keeping your driving record clean!
The information below demonstrates how deductibles can affect annual premium costs when trying to find cheap insurance for drivers with accidents. The data assumes a married female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 30-year-old driver could reduce rates by $302 a year by increasing from a $100 deductible up to a $500 deductible, or save $456 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could lower their rates up to $646 each year by using a higher deductible. If you do raise deductibles, it is important to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Get discounts on Austin auto insurance rates
Insurance companies that offer quotes for drivers with accidents may additionally offer policy discounts that may potentially lower prices by as much as 35% if you meet specific eligibility requirements. A list of companies and their possible discounts are shown below.
- State Farm offers premium reductions for multiple policy, multiple autos, defensive driving training, student away at school, and good student.
- GEICO may include discounts for seat belt use, multi-vehicle, membership and employees, multi-policy, driver training, and anti-theft.
- Progressive discounts include continuous coverage, online signing, multi-policy, online quote discount, multi-vehicle, and homeowner.
- 21st Century offers discounts for defensive driver, teen driver, early bird, driver training, and air bags.
- American Family has discounts for bundled insurance, mySafetyValet, Steer into Savings, good student, and TimeAway discount.
- The Hartford policyholders can earn discounts including good student, vehicle fuel type, bundle, defensive driver, and anti-theft.
- AAA offers discounts including AAA membership discount, good driver, education and occupation, good student, and multi-policy.
The illustration below compares insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no violations and two at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, multiple policy, continuous coverage, homeowner, paperless filing, and anti-theft discounts applied. In this example, the average savings per year on insurance for drivers with accidents is 28% or $900.
The professional agents shown below can help you decide which coverage meets your needs best, as lots of drivers aren’t clear which coverage they need and would like to get help from a professional when comparing insurance rates for drivers with accidents. It can be challenging to do it yourself, so using a licensed agent can give you satisfaction knowing you have enough protection. To find an agent by location nearest to you, click the button after the list.
E-Z Insurance – South
4011 S 1st St – Austin, TX 78745 – (512) 443-9700
Gary Shanahan – State Farm Insurance Agent
5145 N FM 620 b170 – Austin, TX 78732 – (512) 458-2593
State Farm: Charlie Anderson
12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231
Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818