Who Has Cheap Fort Worth Auto Insurance for High School Students?

The car, truck, or SUV needing coverage is probably the biggest factor when shopping around for the best cheap auto insurance for high school students. Vehicles with high performance engines, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than more modest models.

The information below presents auto insurance prices for a number of the most budget-friendly vehicles to insure in Texas.

Cheapest Vehicles to Insure in Fort Worth, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLS 4WD $4,224
Honda CR-V EX 4WD $4,263
Honda Accord EX-L 4-Dr Sedan $4,523
Toyota Prius $4,565
Honda Odyssey LX $4,710
Jeep Wrangler Rubicon 4WD 2-Dr $4,750
Ford F-150 XL Regular Cab 4WD $4,760
Chevrolet Impala LT $5,009
Chevrolet Equinox LT 2WD $5,016
Chevrolet Malibu Hybrid $5,009
Toyota RAV4 2WD $5,018
Jeep Grand Cherokee Laredo 4WD $5,009
Ford Explorer Limited 4WD $5,051
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,057
Dodge Grand Caravan Crew $5,051
Hyundai Elantra Blue 4-Dr Sedan $5,227
Honda Civic LX 4-Dr Sedan $5,232
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Data based on single male 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. Premium costs do not factor in zip code location which can alter coverage rates considerably.

Based upon the table data, makes and models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Honda Odyssey will be the cheaper vehicles to insure for teenagers. Prices will be higher anyway because there is more claim exposure for high school students, but generally speaking those makes and models will tend to have the best rates available.

One of the more important factors that are looked at to help calculate the price you pay for insurance is where you normally keep your vehicle in Fort Worth. Larger areas are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The following table rates the priciest cities in Texas for high school students in which to purchase auto insurance. Fort Worth is listed at #18 with a yearly cost of $1,621 for the average insured, which is around $135 each month.

How much is car insurance in Fort Worth?
Rank City Average Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Dallas $1,911
4 Laredo $1,907
5 Houston $1,835
6 Mesquite $1,807
7 Amarillo $1,804
8 Pasadena $1,794
9 Grand Prairie $1,793
10 Garland $1,778
11 Beaumont $1,754
12 San Antonio $1,739
13 Irving $1,719
14 Arlington $1,692
15 Lubbock $1,665
16 Corpus Christi $1,636
17 Austin $1,627
18 Fort Worth $1,621
19 Carrollton $1,598
20 El Paso $1,584
21 Waco $1,584
22 McKinney $1,561
23 Plano $1,560
24 Abilene $1,545
25 Killeen $1,533
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Prices are approximated as the specific area where the vehicle is garaged can increase or decrease coverage rates substantially.

Liability only or full coverage

Finding cheaper auto insurance is important to the majority of people, and one of the fastest ways to pay lower rates for insurance for high school students is to not buy comprehensive and collision coverage. The diagram below visualizes the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied to the premium.

If the expense is averaged for all age categories, full coverage on your policy costs $2,429 per year more than carrying just liability coverage. Many drivers will wonder if it’s worth it to buy full coverage. There is no definitive guideline of when to exclude comp and collision coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $6,500 after paying your policy deductible. If you are paying over $650 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

Best auto insurance company in Fort Worth

Insuring your vehicle with the best auto insurance provider can be rather challenging considering how many different companies sell coverage in Texas. The company ratings in the next section can help you pick which car insurance providers to look at comparing rate quotes with.

These rankings are only made up of large insurance companies, so smaller companies that only insure vehicles in Texas are not taken into consideration for these rankings. To get price quotes from these companies and more, click here.

Top 10 Major Auto Insurers in Fort Worth Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Types of discounts on Fort Worth insurance rates

Save on auto insurance for teenagers in Fort WorthInsurance companies that provide coverage for high school students may also provide premium discounts that may potentially lower prices by as much as 30% if you meet certain criteria. A list of companies and a partial list of their discounts can be found below.

The chart below illustrates the difference between insurance costs with and without discounts applied. The premium estimates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, anti-theft, passive restraint, continuous coverage, vehicle safety, and good student discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for high school students is 28% or $746.

The insurance agencies listed below can most likely aid you in deciding which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when comparing insurance rates for high school students. It can be difficult to find the best rates on your own, and getting professional guidance from a licensed agent can bring peace of mind knowing your coverage gives you enough coverage if you have a claim. To locate a Fort Worth auto insurance agent close to you, click the button after the list or click here to compare rates now.

More insurance agents in Fort Worth, TX

How to find cheaper car insurance for high school students

It’s not impossible to find cheaper rates, and here are many penny-pinching ideas that can help Texas drivers find cheaper car insurance.

That final tip is remarkably significant, as was affirmed in this piece. Auto insurance rates in Fort Worth change a lot, so don’t be unwilling to switch to a new company if a cheaper rate is available. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying hundreds of dollars a year. Spend a few minutes and compare prices and find cheaper auto insurance for high school students.