Determining which companies have the best car insurance rates for 17 year olds takes a little more work in order to find the best price. Each auto insurance company uses their own calculation for determining rates in each state, so to begin we’ll rank the car insurance companies that tend to have lower prices in Fort Worth.
We do need to point out that Texas car insurance rates are determined by lots of factors that may substantially change the policy price. Simply getting older, having a claim, or having an accident can trigger changes in premium that can now make some companies more affordable than competitors.
Best Insurance Companies for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
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Travelers may have some of the best car insurance rates in Fort Worth at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheapest Fort Worth, TX car insurance companies.
As shown above, if you buy coverage from Germania Mutual and switched to USAA, you may see annual savings of in the vicinity of $172. Drivers with Esurance could save as much as $281 a year, and California Casualty insureds might cut rates by $354 a year.
To get a fast rate comparison, click here to get a free quote or click through to the companies below.
Bear in mind that those prices are averages for all drivers and vehicles in Texas and do not take into consideration a specific vehicle garaging location for 17 year olds. So the car insurance company that is best suited for you may not even be in the top 23 companies in the list above. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.
One of the many criteria that help determine the annual cost of car insurance is where you keep your vehicle. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The illustration below rates the priciest cities in Texas for 17 year olds to purchase car insurance in. Fort Worth shows up at #15 with a yearly cost of $1,670 for the average insured, which is around $139 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Laredo | $1,907 |
| 3 | Dallas | $1,893 |
| 4 | Amarillo | $1,858 |
| 5 | Brownsville | $1,851 |
| 6 | Houston | $1,835 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Garland | $1,796 |
| 10 | Beaumont | $1,754 |
| 11 | Grand Prairie | $1,740 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,682 |
| 15 | Fort Worth | $1,670 |
| 16 | Austin | $1,659 |
| 17 | Arlington | $1,658 |
| 18 | El Paso | $1,616 |
| 19 | Carrollton | $1,615 |
| 20 | Corpus Christi | $1,588 |
| 21 | McKinney | $1,561 |
| 22 | Abilene | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Waco | $1,537 |
| 25 | Killeen | $1,518 |
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Price information shown is approximated as specific Fort Worth zip code can alter insurance rates greatly.
Tickets and at-fault accidents raise rates
The obvious way to find the most affordable car insurance prices in Fort Worth for teen drivers is to be an attentive driver and avoid tickets and accidents. The illustration below illustrates how speeding tickets and fender-benders can affect auto insurance costs for each different age group. The premiums are based on a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the prior example, the average cost of a car insurance policy in Fort Worth per year with a clean driving record and no accidents is $2,278. Receive one speeding ticket and the average cost jumps to $2,585, an increase of $307 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of car insurance for 17 year olds increases to an average of $5,355. That’s an increase of $3,078, or $256 per month, just for not being attentive to the road!
The chart below highlights how deductible selection can impact premium costs when searching for cheap insurance for 17 year olds. The information is based on a single female driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could lower their car insurance rates by $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Youthful drivers, like the 20-year-old example, could save up to $766 or more just by choosing larger deductibles. When using a larger deductible, it will be required to have plenty of savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.
How to find low-cost auto insurance for 17 year olds
Lowering your rates is not difficult, and here are some money-saving ideas that can help Texas drivers quote low-cost car insurance.
- Don’t waste money on full coverage for older vehicles
- Be a safe driver
- Bundle home or renters insurance to earn a discount on car insurance
- Safer vehicles generally have cheaper insurance rates
- Frequent claims may make car insurance unaffordable
- Being accident-free can lower rates significantly
- Look for cheaper rates once a year by shopping around
The final tip is especially vital, as we pointed out in this article. Auto insurance prices can change significantly in a year, so don’t be unwilling to switch companies if you can save money. Loyalty to a specific company is fine, but it’s not recommended if your bullheadedness ends up costing you a lot of money every month. Take a few minutes and compare rates to find cheaper insurance for 17 year olds in Fort Worth.