Who Has Cheap Houston Auto Insurance Quotes for Teenage Females?

The words “low-priced” and “insurance” really should not be used together, especially when you are shopping around for the cheapest coverage for teenage females. Because it’s so expensive, let’s familiarize you with some of the factors that impact car insurance premiums, and come up with some ideas to reduce the price of your next policy.

Trying to buy low-priced auto insurance is challenging, and finding out which insurers offer the best auto insurance rates for teenage females will involve additional perseverance.

Every insurance company has a proprietary formula for establishing rates, so we’ll go over the auto insurance companies with the most affordable rates in Houston. It’s a good idea to know that Texas auto insurance rates are based on many factors which can substantially change your annual premium. Things like getting older, buying a different vehicle, or getting caught speeding may prompt premium changes that can now make some companies less affordable than competitors.

Cheap Insurance Rates for Teens

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,256
5 Esurance $1,379
6 California Casualty $1,382
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,585
10 Safe Auto $1,613
11 Progressive $1,715
12 Allstate $1,718
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,469
20 Titan $2,568
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Travelers has some of the lowest car insurance rates in Houston at around $1,041 a year. This is $863 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the best Houston, TX insurance companies.

As shown above, if you have coverage with Germania Mutual and switched to USAA, you may realize a yearly savings of about $139. Customers with Esurance may save as much as $262 a year, and California Casualty insureds might lower prices by $265 a year.

To get a quick, customized rate comparison, click here or visit several of the following companies.

Bear in mind that those policy rates are averages for all insureds and vehicles and are not factoring in a vehicle location for teenage females. So the auto insurance company that can offer you the best price may not even be in the top 23 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.

For teen girls, one of the more important considerations that determine the amount you pay each year for auto insurance is the neighborhood you call home in Houston. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.

The next table ranks the most costly cities in Texas for teenage females to buy car insurance in. Houston is listed at #5 with an annual premium of $1,835 for the average policy, which is approximately $153 each month.

Car insurance prices in Houston
Rank City Premium Per Year
1 McAllen $2,016
2 Dallas $1,911
3 Brownsville $1,870
4 Amarillo $1,840
5 Houston $1,835
6 Laredo $1,833
7 Pasadena $1,812
8 Grand Prairie $1,811
9 Garland $1,778
10 Beaumont $1,772
11 Mesquite $1,771
12 San Antonio $1,739
13 Irving $1,736
14 Lubbock $1,682
15 Arlington $1,642
16 Corpus Christi $1,636
17 Austin $1,627
18 Plano $1,624
19 Carrollton $1,615
20 McKinney $1,609
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Rate quotes are approximated as the specific area where the vehicle is garaged can influence rates noticeably.

The car, truck, or SUV that needs insurance is probably the most important factor when looking for cheaper car insurance for teenage females. Vehicles with high performance engines, poor safety features, or high incidents of liability claims will cost much more to insure than safer models. The list below presents coverage costs for a number of the most economical automobiles to buy coverage for.

Cheapest Vehicles to Insure in Houston, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $4,509
Ford Escape Limited 2WD $4,550
Honda Accord EX-L 4-Dr Sedan $4,825
Hyundai Elantra SE Touring Station Wagon $4,832
Toyota Prius $4,866
Ford Explorer XLT 4WD $5,072
Ford Edge Limited 2WD $5,306
Volkswagen Jetta LE 4-Dr Sedan $5,347
Toyota RAV4 2WD $5,352
Chevrolet Impala LT $5,347
Chevrolet Malibu LS $5,354
Dodge Grand Caravan Hero $5,347
Ford Fusion S 4-Dr Sedan $5,357
Toyota Tacoma Double Cab 4WD $5,347
Ford Focus SEL 4-Dr Sedan $5,580
Toyota Corolla S $5,621
Honda Odyssey EX-L W/Navigation $5,629
Toyota Camry XLE $5,621
GMC Sierra SLT Extended Cab 2WD $5,662
Jeep Grand Cherokee Limited 4WD $5,668
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific location information which can revise coverage rates greatly.

Based upon the rates shown, you can see that vehicles like the Honda CR-V, Ford Escape, Honda Accord, Hyundai Elantra, and Toyota Prius are some of the cheaper vehicles to insure for teen girls. The cost of auto insurance will trend higher just due to the fact that there is more liability risk for teenage females, but generally speaking those particular vehicles will have the cheapest rates possible.

The illustration below illustrates how your choice of deductibles can raise or lower insurance costs when quoting cheap insurance for teenage females. The premiums assume a married male driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could reduce rates by $294 a year by increasing from a $100 deductible to a $500 deductible, or save $446 by using a $1,000 deductible. Even younger insureds, such as the Age 20 example, could roll back prices up to $884 or even more by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have emergency funds available to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Selecting the best insurer can be a challenge considering how many choices you have in Houston. The company ratings shown below may help you select which car insurance providers to look at purchasing coverage from. These ratings only include companies with a national presence, so companies without a large exposure will not be included in these rankings.

Top 10 Major Auto Insurance Companies Overall in Houston

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

You are probably paying too much for car insurance

Houston, TX auto insurance rates are impacted by many factors that control the price you have to pay for coverage. Turning one year older, having a teenage driver, or getting a couple of tickets can produce rate changes resulting in some rates now being affordable when they were higher priced. Not only that, but insurance companies change the rates they charge in Texas as needed in order to remain profitable. Larger than normal claims may cause increased rates, while profitable underwriting may produce lower-cost Houston car insurance rates.

The data below shows which company has the cheapest car insurance in Houston, TX for a 45-year-old male driver with no violations or accidents, and excellent credit. If we estimate rates based on his personal profile, Travelers quotes the best car insurance rates in Houston at $1,271 per year. This is $633 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Houston, TX auto insurance companies.

The example below compares rates after we give the driver from above a claim surcharge, a lower credit rating, and a traffic citation. Since every car insurance company has a unique approach for filing rates in each state, comparing insurance quotes could now result in a different ranking of the cheapest companies as shown below.

State Farm now has the best car insurance rate in Houston with Mercury, Safe Auto, Nationwide, and USAA now rounding out the top five. This example proves why it is crucial to compare many different companies to find the most budget-friendly insurance rates for teenage females.

Car insurance prices consist of many different factors and can change substantially, so the most affordable company the last time you shopped around may now be wasting a lot of money.