Who Has Affordable Fort Worth Auto Insurance Rates for Teenage Males?

The words “low-cost” and “insurance” really shouldn’t be used in the same sentence, especially when you are searching for the cheapest auto insurance for teenage males. Because it’s so expensive, let’s get started by showing you some situations that have a considerable impact on car insurance premiums, and come up with some ways to take a little off your next policy.

Deciding which insurers offer the best car insurance rates for teenage males may require more time than just quoting one company’s rates. Each auto insurance company has their own unique process to set policy rates, so we’ll go over the car insurance companies with the most affordable rates in Fort Worth.

It’s a good idea to know that Texas car insurance rates are influenced by many factors which can substantially change the cost of your policy. Simply turning a year older, marrying your spouse, or getting a ticket for careless driving can produce rate changes that can make some companies cheaper in comparison to the competition.

Best Cheap Insurance Rates for Teens

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,506
9 Nationwide $1,538
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,718
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,072
16 MetLife $2,183
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,672
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Travelers generally has some of the cheapest car insurance rates in Fort Worth at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the best Fort Worth, TX insurance companies.

As the rates illustrate above, if you currently have coverage with Germania Mutual and switched to USAA, you may realize an annual savings of approximately $177. Drivers with Esurance could save as much as $304 a year, and California Casualty customers might reduce prices by as much as $307 a year.

To see if your current coverage is too expensive, click here to begin a quote or visit any of the companies below.

Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with an exact vehicle garaging location for teenage males. So the car insurance company that is best suited for you may not even be in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.

One of the more important factors that are used to help calculate the annual cost of car insurance is your zip code. Areas with increased crime or more people will most likely pay more, whereas areas with less congestion have the luxury of lower rates.

The next table sorts the highest-priced areas in Texas for teenage males to purchase car insurance in. Fort Worth comes in at #16 costing $1,653 for the average policy, which is approximately $138 each month.

How much does car insurance cost in Fort Worth, TX?
Rank City Annual Rate
1 McAllen $2,016
2 Houston $1,909
3 Brownsville $1,908
4 Amarillo $1,858
5 Dallas $1,855
6 Laredo $1,833
7 Garland $1,832
8 Irving $1,789
9 Beaumont $1,772
10 Mesquite $1,771
11 Grand Prairie $1,740
12 Pasadena $1,740
13 Arlington $1,692
14 San Antonio $1,688
15 Lubbock $1,682
16 Fort Worth $1,653
17 Carrollton $1,647
18 Corpus Christi $1,636
19 El Paso $1,632
20 Austin $1,627
21 McKinney $1,577
22 Plano $1,576
23 Waco $1,522
24 Abilene $1,515
25 Killeen $1,488
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Premium amounts are estimated as the specific geographic location can increase or decrease insurance rates substantially.

The type of vehicle to be insured is a large consideration when looking for the cheapest insurance for teenage males. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.

The next list ranks coverage prices for a selection of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Fort Worth, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $4,000
Ford Escape XLT 4WD $4,042
Hyundai Elantra SE Touring Station Wagon $4,305
Toyota Prius $4,347
Dodge Grand Caravan SE $4,484
Volkswagen Jetta SE 2.5 Station Wagon $4,608
Ford Edge SEL AWD $4,704
Honda Odyssey EX $4,711
Toyota Tacoma 2WD $4,704
Toyota RAV4 Limited 4WD $4,747
Chevrolet Malibu Hybrid $4,752
Toyota Camry LE $4,747
Chevrolet Impala LT $4,757
Ford Explorer Limited 2WD $4,790
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,962
Ford Focus SEL 4-Dr Sedan $4,965
Toyota Corolla S $5,007
Chevrolet Equinox LTZ AWD $5,050
Honda Civic Hybrid 4-Dr Sedan $5,057
GMC Sierra SLE Crew Cab 2WD $5,050
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Data variables include single male driver age 17, 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 specific garaging location which can alter auto insurance rates considerably.

Based upon the table data, you can assume that cars like the Honda CR-V, Ford Escape, Hyundai Elantra, Toyota Prius, and Dodge Grand Caravan will be a few of the less-costly vehicles to insure for teen boys. The cost of a car insurance policy will be more costly just because there is more claim exposure for teenage males, but overall those particular models will have the cheapest car insurance rates available.

Get discount Fort Worth insurance rates

Discounts on car insurance for teenage malesAuto insurance companies that provide policies for teenage males may also give you rate discounts that may potentially lower prices by as much as 30% if you meet certain criteria. Large car insurance companies and some of their more popular discounts are outlined below.

The information below shows the difference between auto insurance costs with and without discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with paperless filing, anti-theft, good student, passive restraint, paid-in-full, and vehicle safety discounts applied. When these discounts are applied, theaverage amount saved on car insurance for teenage males is 28% or $957.

The illustration below demonstrates how deductible levels can raise or lower insurance premiums when searching for cheap insurance for teenage males. Data assumes a single male driver, full physical damage coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could cut expenses by $314 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $472 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could potentially save up to $1,026 or more by using a higher deductible.

When choosing a higher deductible, it’s a good idea to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Car insurance company ratings

Finding a good quality insurance provider can be rather challenging considering how many different companies there are to choose from in Texas. The company information shown next could help you choose which providers you want to consider shopping your coverage with. The ratings below are only comprised of companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for these rankings.

Best Ten Car Insurance Companies for Teenage Males 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
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Data Source: Insure.com Best Car Insurance Companies