Who Has the Cheapest Fort Worth Auto Insurance for Teenagers?

The words “affordable” and “auto insurance” really shouldn’t be used in the same sentence, in particular when trying to find the lowest insurance prices for teenagers. Let’s teach you some of the factors that help determine insurance premiums, and find out if we can help you reduce the price of the next policy you buy.

One of the many criteria that are looked at to help calculate auto insurance rates is where you keep your vehicle. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.

The illustration below rates the most expensive areas in Texas for teenagers to buy auto insurance in. Fort Worth is ranked #16 with an annual rate of $1,653 for the average policy, which is about $138 each month.

How much is auto insurance in Fort Worth, TX?
Rank City Annual Rate
1 McAllen $1,996
2 Brownsville $1,927
3 Dallas $1,911
4 Houston $1,909
5 Laredo $1,907
6 Mesquite $1,825
7 Pasadena $1,812
8 Grand Prairie $1,811
9 Garland $1,796
10 Amarillo $1,786
11 Beaumont $1,772
12 Irving $1,772
13 Lubbock $1,733
14 Arlington $1,692
15 San Antonio $1,671
16 Fort Worth $1,653
17 Carrollton $1,647
18 Austin $1,627
19 McKinney $1,609
20 Plano $1,608
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Rate quotes are approximated as specific Fort Worth garaging address can increase or decrease coverage prices significantly.

Finding decent, cheap car insurance is challenging, and finding out which companies offer the cheapest insurance rates for teenagers will take a bit more work. Each company uses their own formula to set premium rates, so let’s begin by taking a look at the most competitive insurance companies in Fort Worth, TX.

We do need to point out that Texas insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. This price variability is why consumers need to take the time to compare rates when trying to find cheap insurance quotes for teenagers. Prices can be altered by many different factors and change frequently, so the best price a year ago may now not even be in the top five.

Best Car Insurance Prices for Teens

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,256
5 Esurance $1,365
6 California Casualty $1,396
7 State Farm $1,495
8 Mercury $1,506
9 Safe Auto $1,565
10 Nationwide $1,600
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,775
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,161
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,494
20 Titan $2,646
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Travelers may offer some of the best car insurance rates in Fort Worth at around $1,021 a year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheaper Fort Worth, TX car insurance companies.

As illustrated above, if you are a customer of USAA and switched to Travelers, you might achieve a yearly price reduction of in the neighborhood of $96. Insureds with Texas Farm Bureau may save as much as $226 a year, and Germania Mutual policyholders might lower prices by $235 a year.

To see how much you can save, click here or visit any of the companies below.

Be aware that those premium estimates are averaged for all drivers and vehicles in Texas and and are not figured with a vehicle location for teenagers. So the auto insurance company that fits your situation best may not even be in the list above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

The type of vehicle you are seeking coverage for is probably the biggest factor when comparing the best insurance for teenagers. Vehicles with reasonable performance levels, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than high performance models. The table below outlines coverage prices for some of the most cost-effective vehicles to insure in Texas.

Cheapest Vehicles to Insure in Fort Worth, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $3,847
Honda CR-V EX-L 2WD $3,887
Toyota Prius $4,180
Ford Edge SE 2WD $4,274
Toyota RAV4 Sport 4WD $4,565
Ford Fusion S 4-Dr Sedan $4,570
Dodge Grand Caravan SXT $4,607
Chevrolet Malibu LT $4,614
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $4,607
Ford Explorer Limited 2WD $4,616
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $4,772
Honda Civic LX-S 4-Dr Sedan $4,776
Hyundai Elantra Blue 4-Dr Sedan $4,782
Chevrolet Impala LTZ $4,816
Honda Odyssey EX-L W/Navigation $4,825
Toyota Camry SE $4,816
Toyota Corolla LE $4,824
Volkswagen Jetta 2.0T 4-Dr Sedan $4,857
Nissan Altima 3.5 SR 4-Dr Sedan $4,866
Jeep Grand Cherokee Limited 4WD $4,857
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Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific garaging location which can affect rates greatly.

Based upon the rates shown, you can conclude that models like the Ford Escape, Honda CR-V, Toyota Prius, Ford Edge, and Toyota RAV4 will definitely be some of the more affordable vehicles to insure for teen drivers. Car insurance rates will trend higher because there is more exposure for teenagers, but in general those makes and models will probably have the lowest insurance rates that you are likely to find.

Picking the best insurance provider can be challenging considering how many companies sell insurance in Fort Worth. The information shown below can help you decide which providers you want to consider when trying to find the cheapest insurance for teenagers. These rankings are only made up of the largest auto insurers in America, so companies that have a smaller presence are not factored into these rankings.

Top 10 Major Car Insurance Companies in Fort Worth Ranked by Customer Service

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

Top 10 Major Car Insurance Companies in Fort Worth Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

The example below highlights how deductible choice can impact premium costs when quoting cheap insurance for teenagers. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.

In the chart above, a 30-year-old driver could save $408 a year by switching from a $100 deductible to a $500 deductible, or save $612 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save up to $870 each year by choosing a larger deductible amount.

When increasing deductibles, it is a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

The benefits of price comparisons

Fort Worth, TX insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Simply improving your credit, buying a different home, or having an accident may prompt premium changes that can cause some rates to be cheaper than competitors. In addition to those changes, insurance companies change the rates they charge in Texas every year or even multiple times each year to adjust for gains or losses. Heavier than normal losses can cause a rate increase, while lower claim levels may result in cheaper Fort Worth car insurance rates.

To illustrate this point, the graph below shows the company with the cheapest car insurance in Fort Worth, TX for a 40-year-old male driver with no accidents or violations, and a decent credit rating. When quoting prices based on his personal profile, Travelers might offer the lowest car insurance rates in Fort Worth at $1,123 per year. This is $781 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the most affordable Fort Worth, TX auto insurance companies.

Now let’s give the driver from the first rate comparison some claims, slightly worse credit, and a stop sign violation. Due to the fact that every auto insurer has a proprietary method to determining premium rates, analyzing rate quotes may now result in a new list of the cheapest Fort Worth car insurance companies as shown below.

USAA now has the cheapest insurance rate in Fort Worth with Mercury, State Farm, Nationwide, and Safe Auto completing the list. This example illustrates why it is important to perform a complete rate comparison to find the best insurance quotes for teenagers.

Insurance rates are influenced by many factors and can decrease or increase without notice, so the most affordable company the last time you shopped your coverage around may now be one of the more expensive options.