What Insurance is Cheapest for High School Students in Dallas?

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The words "affordable" and "auto insurance" really shouldn't be used together, in particular when searching for the lowest insurance rates for high school students. To help control this cost, let's familiarize you with a few of the factors that have an impact on auto insurance prices, and find out if you can shave a little off your next policy.

Finding affordable insurance is not the easiest thing to accomplish, and figuring out which company quotes the best car insurance rates for high school students calls for even more rate comparisons.

Every insurance provider has their own unique process for filing rates in each state, so let's rank the car insurance companies with the most affordable rates in Dallas, TX. It's a good idea to be aware that Dallas, TX car insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply having a birthday, buying a higher-value vehicle, or having a fender bender can produce rate changes that can now make some companies more expensive than competitors.

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,382
7 State Farm $1,450
8 Mercury $1,461
9 Nationwide $1,585
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,705
14 GEICO $2,072
15 Home State $2,092
16 MetLife $2,249
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,494
20 Titan $2,568
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Travelers offers some of the best car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Dallas, TX insurance companies.

In this example, if you are insured with Germania Mutual and switched to USAA, you could realize a yearly price reduction of in the vicinity of $210. Drivers with Esurance may save as much as $295 a year, and California Casualty policyholders might realize rate reductions of up to $298 a year.

Bear in mind that those premium estimates are averaged for all insureds and vehicles and do not factor in an exact vehicle garaging location for high school students. So the company that can offer you the lowest price may not even be in the top 23 companies shown above. That emphasizes why you need to compare prices as often as possible using your own specific driver information and vehicle.

The type of vehicle you are buying coverage for is one of the largest factors that determines the availability of the most affordable car insurance for high school students. Vehicles with economical engines, an excellent safety record, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The next table illustrates coverage prices for some of the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Dallas, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $4,476
Ford Escape XLS 4WD $4,482
Toyota Prius $4,846
Ford Explorer XLT 4WD $5,028
Ford Edge SE AWD $5,265
Chevrolet Equinox LS AWD $5,310
Toyota Camry LE $5,316
Toyota RAV4 Limited 4WD $5,310
Chevrolet Impala LT $5,316
Nissan Altima 2.5 4-Dr Sedan $5,310
Ford F-150 Lariat Crew Cab 4WD $5,353
Dodge Grand Caravan SXT $5,359
Toyota Tacoma Double Cab 4WD $5,353
Ford Focus SES 4-Dr Sedan $5,548
Hyundai Elantra SE 4-Dr Sedan $5,593
Toyota Corolla S $5,601
Honda Odyssey Touring $5,635
Jeep Grand Cherokee SRT-8 4WD $5,645
GMC Sierra SLT Extended Cab 2WD $5,635
Volkswagen Jetta SEL 4-Dr Sedan $5,640
Ford Fusion SEL 4-Dr Sedan $5,635
Chevrolet Malibu LTZ $5,644
Ford F-350 XL Crew Cab King Ranch 2WD $5,680
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Price data assumes single female 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. Rates do not factor in garaging location in Dallas, TX which can modify coverage prices significantly.

Based upon these rates, models like the Honda CR-V, Ford Escape, Toyota Prius, and Ford Explorer are most likely to be a few of the more affordable vehicles to insure for teenagers. The cost of a car insurance policy will tend to be more expensive anyway just because there is more liability exposure for high school students, but in general those makes and models will tend to have the least expensive rates compared to other vehicles.

For teenagers, one of the more important things that aid in calculating the annual cost of car insurance is where you normally keep your vehicle in Dallas. Areas with increased crime or more people are more likely to have higher rates, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.

The next table shows the most costly cities in Texas for high school students to purchase car insurance in. Dallas is listed at #4 with an annual rate of $1,855 for the average policy, which is approximately $155 per month.

How much is car insurance in Dallas?
Rank City Premium Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Houston $1,909
4 Dallas $1,855
5 Laredo $1,833
6 Mesquite $1,825
7 Pasadena $1,812
8 Amarillo $1,804
9 Garland $1,778
10 Beaumont $1,772
11 Grand Prairie $1,757
12 Irving $1,736
13 Arlington $1,709
14 Lubbock $1,682
15 San Antonio $1,671
16 Carrollton $1,647
17 McKinney $1,625
18 Plano $1,624
19 Fort Worth $1,621
20 Corpus Christi $1,620
21 El Paso $1,616
22 Austin $1,610
23 Waco $1,584
24 Abilene $1,561
25 Killeen $1,488
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Rate quotes are approximated as specific Dallas zip code can change price quotes noticeably.

Types of discounts on Dallas auto insurance

Cheaper Dallas, TX car insurance for teenagersInsurers that provide coverage for high school students may also provide price discounts that can reduce rates by as much as 25% or more if you meet certain criteria. A list of companies and their possible discounts are included below.

The information below illustrates the comparison of premium costs with and without some available policy discounts. Data assumes a female 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 vehicle safety, good student, anti-theft, paperless filing, paid-in-full, and continuous coverage discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for high school students is 28% or $660.

Ending up with a highly-rated car insurance company can be difficult considering how many companies there are in Texas. The rank data shown next could help you choose which insurers to look at shopping prices with.

The rankings below only include companies with a national presence, so companies that focus mainly on Texas business are not factored into these rankings. If you'd like to compare prices from these top insurers and more, follow this link.

Best 15 Car Insurance Companies for High School Students 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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

The chart below demonstrates how deductibles can raise or lower insurance costs when searching for cheap insurance for high school students. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 50-year-old driver could lower their car insurance rates by $302 a year by switching from a $100 deductible up to a $500 deductible, or save $456 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices $766 every year just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be required to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to find cheaper auto insurance for high school students

Below you'll find some of the better thrifty solutions that can help drivers buy more affordable car insurance.

That last idea is very necessary, as was emphasized in this piece. Insurance rates in Dallas fluctuate considerably, so don't be hesitant to buy a different policy if a cheaper rate is available. Having brand loyalty is commendable, but it's not a good idea if that stubbornness costs you hundreds every year. Now is a great time to shop around and find cheaper insurance for high school students.

If you have questions and prefer to have some advice when buying car insurance for teenagers, the agents listed below are willing to help you determine which insurance coverage you need. To locate a Dallas insurance agent nearest to you, click the link at the bottom.

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