How Much are Car Insurance Rates for Inexperienced Drivers in Houston?

Wouldn’t it be excellent if we could wave our magic wand and tell you the one company that has the best auto insurance prices for inexperienced drivers? That is not the case, however, as there are a lot of unknown elements such as if you have any tickets or accidents, the safety ratings of your vehicle, and if you have a spouse, that all influence how much you pay for auto insurance. The content below will cover the best ways to pay less and will give you a good beginning to your quest for cheaper car insurance.

For new drivers, one of the more important things that aid in calculating the cost of insurance is where your residence is in Houston. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The information below ranks the priciest cities in Texas for inexperienced drivers to purchase auto insurance in. Houston ranks #6 with an annual cost of $1,835 on average, which is around $153 each month.

Car insurance prices in Houston
Rank City Premium Per Year
1 McAllen $1,996
2 Laredo $1,889
3 Brownsville $1,851
4 Garland $1,850
5 Dallas $1,837
6 Houston $1,835
7 Pasadena $1,812
8 Grand Prairie $1,811
9 Amarillo $1,786
10 Beaumont $1,772
11 Mesquite $1,771
12 Irving $1,736
13 San Antonio $1,722
14 Arlington $1,692
15 Lubbock $1,665
16 Fort Worth $1,653
17 Carrollton $1,647
18 Austin $1,627
19 Plano $1,576
20 Corpus Christi $1,572
21 Waco $1,569
22 El Paso $1,568
23 McKinney $1,561
24 Abilene $1,515
25 Killeen $1,473
Get a Custom Quote Go

Price information shown is comparative as the specific zip code location can increase or decrease premium rates considerably.

The type of vehicle that is being insured is probably the biggest factor that determines whether or not you can buy the most economical car insurance for inexperienced drivers. Vehicles with limited top-end speed, good crash test ratings, or low incidents of liability claims will cost significantly less to insure than higher performance models. The data below presents insurance prices for a handful of the most economical automobiles to insure in Texas.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $1,278
Honda CR-V EX 2WD $1,288
Ford Escape XLT 4WD $1,306
Jeep Wrangler Sahara 4WD 2-Dr $1,432
Chevrolet Impala LS $1,483
Chevrolet Silverado LT Extended Cab 4WD $1,511
Jeep Grand Cherokee Laredo 2WD $1,520
Honda Civic VP 4-Dr Sedan $1,563
Toyota Camry SE $1,591
Volkswagen Jetta 2.0T 4-Dr Sedan $1,619
Ford Fusion SE 4-Dr Sedan $1,628
Honda Odyssey EX W/Rear Entertainment $1,699
Chevrolet Equinox LT 2WD $1,729
Toyota Prius $1,742
Dodge Ram 2500 Mega Cab SLT 4WD $1,760
Compare Cheap Rates Go

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can alter coverage prices substantially.

Based upon these rates, you can assume that models like the Honda Accord, Honda CR-V, and Ford Escape are most likely going to be a few of the most affordable vehicles to insure for new drivers.

The illustration below highlights how deductible selection can change insurance costs when trying to find cheap insurance for inexperienced drivers. The rate quotes are based on a single male driver, full coverage, and no discounts are applied to the premium.

The chart above illustrates that a 30-year-old driver could reduce rates by $352 a year by switching from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $1,026 each year just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will now be necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Insuring your vehicle with the right insurer can be challenging considering how many choices there are in Texas. The information below can help you pick which car insurance companies to look at comparing rates from.

The rankings below only include the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in these rankings. To compare price quotes from these top-rated insurers and more, simply click here.

Best 15 Car Insurance Companies for Inexperienced Drivers in Texas
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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Get discounts on Houston car insurance rates

Cheaper Houston, TX car insurance for new driversCar insurance companies that offer coverage for inexperienced drivers may have price discounts that may potentially lower prices by 25% or more if you meet certain criteria. A few popular companies and some of the discounts are:

The diagram below visualizes the comparison of insurance prices with and without policy discounts. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multiple policy, passive restraint, defensive driving course, and multiple vehicle discounts applied. In this example, the average amount saved each year on car insurance for inexperienced drivers is 28% or $669.

If you aren’t sure which coverage to buy and prefer to get some help when comparing insurance rates for inexperienced drivers, the agents shown below can probably aid you in deciding which policy fits your needs best. To locate a Houston auto insurance agent using an interactive map, click the button below the list or click here to compare prices now.

State Farm: Al Johnson
8121 Broadway St #230Houston, TX 77061(281) 481-5778

Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107Houston, TX 77062(281) 486-9100

Donald Malveaux – State Farm Insurance Agent
12001 Richmond Ave #6Houston, TX 77082(281) 679-7155

Hallmark Insurance Agency Inc
12337 Jones RdHouston, TX 77070(281) 894-8200

View more Houston, TX insurance agencies