The make and model of vehicle needing coverage is a significant factor that determines the availability of the best cheap auto insurance for 20 year old guys. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than higher performance models. The table below estimates coverage premiums for some of the more affordable vehicles to insure in Texas.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $3,037 |
| Honda Accord EX 4-Dr Sedan | $3,042 |
| Ford Escape Limited 2WD | $3,083 |
| Ford Edge SE 2WD | $3,337 |
| Toyota Prius | $3,354 |
| Dodge Grand Caravan CV | $3,384 |
| Honda Civic DX 4-Dr Sedan | $3,564 |
| Chevrolet Impala LS | $3,573 |
| Ford Fusion S 4-Dr Sedan | $3,611 |
| Nissan Altima 2.5 4-Dr Sedan | $3,619 |
| Toyota RAV4 4WD | $3,611 |
| Ford Explorer Limited 4WD | $3,655 |
| Ford F-150 FX2 2WD | $3,664 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $3,655 |
| Chevrolet Malibu LT | $3,664 |
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Data variables include single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Houston, TX location which can alter premiums substantially.
Based upon the table data, you can expect cars like the Honda CR-V, Honda Accord, Ford Escape, Ford Edge, and Toyota Prius should be the most affordable vehicles to insure for young men. Auto insurance rates will tend to be more expensive just due to the fact that there is more liability exposure for 20 year old guys, but in general those makes and models will most likely have the lowest insurance prices compared to other types of vehicles.
Establishing which company quotes the best insurance rates for 20 year old guys requires a little more sweat than just picking a company at random.
Every auto insurer uses their own method to determine premium rates, so let’s look at the rankings for the insurance companies with the overall cheapest rates in Houston, TX. It’s important to understand that Texas insurance rates are impacted by many things that will increase or decrease the policy premium. Simply having another birthday, buying a home, or having an at-fault accident can cause premium changes that may make certain companies more affordable than competitors.
Best Auto Insurance Prices for Men Age 20
Travelers normally has some of the lowest car insurance rates in Houston at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheaper Houston, TX auto insurance companies.
As shown in the rates above, if you currently have a policy with Germania Mutual and switched to Travelers, you might achieve annual savings of upwards of $253. Policyholders with Esurance might save as much as $324 a year, and California Casualty policyholders might reduce rates by $383 a year.
These rates are averaged across all ages of drivers and types of vehicles and do not factor in an exact vehicle garaging location for 20 year old guys. So the insurer that is best suited for you may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.
One of the many factors that are used to help calculate the amount you pay for auto insurance is where you choose to live. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims can boast about having cheaper rates.
The following table lists the most costly cities in Texas for 20 year old guys in which to purchase auto insurance. Houston is listed at #3 with the annual price of $1,853 for the average policy, which is approximately $154 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Brownsville | $1,927 |
| 3 | Houston | $1,853 |
| 4 | Dallas | $1,837 |
| 5 | Laredo | $1,833 |
| 6 | Pasadena | $1,812 |
| 7 | Garland | $1,796 |
| 8 | Amarillo | $1,786 |
| 9 | Mesquite | $1,771 |
| 10 | Grand Prairie | $1,740 |
| 11 | San Antonio | $1,739 |
| 12 | Irving | $1,736 |
| 13 | Beaumont | $1,720 |
| 14 | Lubbock | $1,716 |
| 15 | Arlington | $1,709 |
| 16 | Carrollton | $1,647 |
| 17 | McKinney | $1,625 |
| 18 | El Paso | $1,616 |
| 19 | Austin | $1,610 |
| 20 | Fort Worth | $1,604 |
| 21 | Corpus Christi | $1,588 |
| 22 | Plano | $1,560 |
| 23 | Waco | $1,537 |
| 24 | Killeen | $1,533 |
| 25 | Abilene | $1,515 |
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Price information shown is estimated as the garaging address in Houston can raise or lower premiums substantially.
How to get discounts on Houston auto insurance rates
Auto insurance companies that offer coverage for 20 year old guys may have special discounts that may potentially lower prices by 35% or more if you qualify. A few popular companies and some of their more popular discounts are outlined below.
- State Farm discounts include good student, anti-theft, safe vehicle, good driver, Steer Clear safe driver discount, and driver’s education.
- Progressive has savings for multi-policy, online signing, online quote discount, multi-vehicle, good student, homeowner, and continuous coverage.
- Progressive may include discounts for multi-vehicle, online quote discount, online signing, continuous coverage, homeowner, and good student.
- MetLife offers discounts for claim-free, accident-free, multi-policy, good driver, good student, defensive driver
- Farm Bureau may have discounts that include driver training, 55 and retired, good student, safe driver, and multi-policy.
- GEICO includes discounts for multi-policy, seat belt use, anti-lock brakes, daytime running lights, and federal employee.
- SAFECO offers premium reductions for multi-car, anti-lock brakes, bundle discounts, drive less, and teen safe driver.
The chart below compares annual premium costs with and without discounts. The premiums assume a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paid-in-full, continuous coverage, passive restraint, vehicle safety, paperless filing, and good student discounts applied. When discounts are factored in, theamount saved on insurance for 20 year old guys is 19% or $336.
Picking the highest-rated insurer can be rather challenging considering how many different companies sell coverage in Texas. The company ratings shown below can help you decide which auto insurers you want to consider when comparing rate quotes.
These rankings include companies with a national presence, so companies that only write business in Texas or surrounding areas will not be included in these rankings. To view rates from the insurers below and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Insurance rates are higher with tickets and accidents
The recommended way to get the most affordable insurance rates for young men is to be a good driver and not get tickets or have accidents. The example below illustrates how traffic citations and fender-benders influence insurance prices for each age group. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,598. Factor in one speeding ticket and the average cost swells to $1,804, an increase of $206 each year. Now include one accident along with the one speeding ticket and the annual cost of insurance for 20 year old guys increases to an average of $2,370. That’s an increase of $772, or $64 per month, just for not keeping your driving record clean!