Who Has Affordable Auto Insurance Rates for Teenage Females in Dallas?

Wouldn’t it be so easy if you could just know the best company that has the lowest rates for teenage females? It’s just not that simple, as there are a whole slew of unknown aspects such as if you have points on your license, if you own your own home, whether you are female or male, and how far you drive each year, that all go into determining the rate you pay. In this article, we will cover the best ways to avoid high prices and will hopefully give the reader a good start in finding the cheapest car insurance.

The vehicle on the policy is a significant factor when shopping for economical insurance for teenage females. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost less to insure than higher performance models.

The next list ranks car insurance rates for a handful of the most affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in Dallas, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $4,707
Jeep Wrangler Sport 4WD 2-Dr $4,969
Ford Escape Limited 4WD $5,033
Hyundai Elantra SE Touring Station Wagon $5,041
Toyota Prius $5,075
Dodge Grand Caravan SE $5,297
Ford Edge SEL 2WD $5,539
Ford Focus SE 4-Dr Sedan $5,544
Honda Civic DX 4-Dr Sedan $5,539
Chevrolet Silverado LS Extended Cab 4WD $5,581
Nissan Altima 2.5 4-Dr Sedan $5,588
Toyota RAV4 Sport 4WD $5,581
Chevrolet Impala LT $5,588
Ford F-150 Lariat Crew Cab 4WD $5,623
Ford Explorer Limited AWD $5,632
Chevrolet Malibu LT $5,623
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $5,632
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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 claim-free, and safe-driver. Rates do not factor in specific Dallas, TX garaging location which can decrease or increase coverage prices substantially.

Based upon the rates shown, models like the Honda CR-V, Jeep Wrangler, and Ford Escape will be some of the more affordable vehicles to insure for teen girls. The cost of a car insurance policy will tend to be more expensive just because there is more liability risk for teenage females, but overall those models will have the cheapest car insurance rates compared to all other vehicles.

Figuring out which company quotes the lowest-priced insurance rates for teenage females will take a little more effort in order to find the lowest price quote.

Each company has their own guidelines to establish rates, so we need to take a look at the insurance companies with the overall cheapest rates in Dallas. It’s important to know that Dallas, TX insurance rates are influenced by many factors that may substantially change the policy price. Getting older, buying a different vehicle, or getting a DUI can trigger changes in premium that can cause some rates to be cheaper in comparison to the competition.

Lowest Insurance Price Quotes for Teens

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,510
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,565
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,723
14 GEICO $2,135
15 Home State $2,155
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,310
19 21st Century $2,494
20 Titan $2,568
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Travelers quotes some of the cheapest car insurance rates in Dallas at around $1,041 each year. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the lowest-priced Dallas, TX car insurance companies.

In the above example, if you are a policyholder with Germania Mutual and switched to Travelers, you could realize yearly savings of in the vicinity of $241. Policyholders with Esurance may save as much as $324 a year, and California Casualty insureds might lower prices by $383 a year.

To get a quick, customized rate comparison, click here to get a free quote or quote rates from the companies below.

Bear in mind that those premium estimates are averages for all types of insureds and vehicles and do not take into consideration a vehicle location for teenage females. So the car insurance company that is best for you may not even be in the top 23 companies in the list above. That point stresses why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

Finding the best insurer is hard considering how many different companies sell coverage in Dallas. The rank data shown below could help you select which providers you want to consider when trying find the best insurance for teenage females. These rankings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Texas will not be included in this list.

Top 10 Major Auto Insurance Providers in Dallas Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Types of discounts on Dallas car insurance rates

Discounts on insurance for teenage femalesCar insurance companies that sell policies for teenage females may have discounts that can lower rates by as much as 25% or more if you meet certain criteria. Companies and their possible discounts are outlined below.

The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, paperless filing, continuous coverage, good student, and paid-in-full discounts applied. With discounts applied, the amount saved on insurance for teenage females is 28% or $1,086.

Insurance rates are higher with tickets and accidents

The easiest way to obtain low insurance prices for teen girls is to be a cautious driver and avoid accidents and traffic citations. The chart below shows how traffic citations and fender-benders raise insurance costs for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

In the previous example, the average cost of a car insurance policy in Texas per year with no violations or accidents is $1,380. Receive one speeding ticket and the average cost surges to $1,610, an increase of $230 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of insurance for teenage females jumps again to an average of $2,243. That’s an increase of $863, or $72 per month, just for not being attentive to the road!

The Dallas, TX, insurance agents below can help you make a decision which insurance coverage you need, since many consumers aren’t sure which coverage to buy and prefer to get help from a professional when trying to find lower insurance rates for teen girls. It can be time-consuming to find the cheapest rate yourself, and insurance agents can bring comfort knowing you have sufficient protection if you have a claim.

To locate an agency closest to you, click the button following the list.

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Tips for finding more affordable car insurance for teenage females

It is possible to find better rates, and here are a few thrifty suggestions that can help Dallas drivers get more affordable coverage.

The last tip is certainly crucial, as we noted in this write-up. Insurance rates in Dallas vary considerably, so you should be ready to buy a different policy if a lower price can be found.

Brand loyalty is great, but it isn’t a good idea if that devotion results in you overpaying a lot of money every month. It only takes a couple minutes to compare rates and find cheaper insurance for teenage females.