How Much are Car Insurance Rates for 19 Year Olds in Dallas?

The vehicle you are insuring is a large factor when comparing economical car insurance for 19 year olds. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer, lower-performance models. The next list illustrates coverage costs for the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Dallas, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,814
Honda CR-V EX 2WD $3,821
Ford Escape XLT 2WD $3,814
Toyota Prius $4,174
Ford F-150 XL Crew Cab 2WD $4,254
Dodge Grand Caravan SE $4,263
Ford Explorer XLT 4WD $4,254
Ford Focus SE 4-Dr Sedan $4,480
Ford Edge SEL AWD $4,487
Honda Odyssey EX W/Rear Entertainment $4,480
Jeep Grand Cherokee Laredo 4WD $4,524
Toyota RAV4 4WD $4,534
Volkswagen Jetta S 4-Dr Sedan $4,524
Chevrolet Equinox LT AWD $4,530
Toyota Tacoma Double Cab TRD Sport Package 4WD $4,570
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,655
Hyundai Elantra Blue 4-Dr Sedan $4,747
Honda Civic EX 4-Dr Sedan $4,755
Chevrolet Impala LTZ $4,791
Toyota Corolla XLE $4,797
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Data rating is based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in vehicle location which can influence coverage rates considerably.

Looking at the rates, we can expect cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be the more affordable vehicles to insure for teenage drivers. The cost of a car insurance policy will be higher anyway because there is a higher risk for 19 year olds, but overall those makes and models will probably have the least expensive rates compared to all other vehicles.

Establishing which companies have the best car insurance rates for 19 year olds will require a tad more effort than just comparing rates from one or two companies. Each auto insurer uses a slightly different approach for setting rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Texas.

It’s important that you understand Texas car insurance rates are determined by lots of factors that may substantially change your annual premium. Improving your credit score, getting married, or getting a driving violation can cause premium changes resulting in some companies being affordable when they were higher priced.

Best Car Insurance Prices for Teens

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,424
7 State Farm $1,465
8 Mercury $1,476
9 Nationwide $1,538
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,650
13 Amica $1,775
14 GEICO $2,135
15 Home State $2,155
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,494
20 Titan $2,594
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Travelers quotes some of the lowest car insurance rates in Dallas at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Dallas, TX insurance companies.

As shown above, if you have coverage with Germania Mutual and switched to Travelers, you might see savings of roughly $230. Drivers with Esurance could save as much as $327 a year, and California Casualty insureds might reduce prices by as much as $372 a year.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration an exact location for 19 year olds. So the auto insurance company that can offer you the lowest price may not even be in the list above. That illustrates why you need to quote rates from many companies using your own driver information and specific vehicle type.

Full coverage versus liability only rates

Reducing the cost of car insurance is probably important to the majority of people, and a great way to buy cheaper insurance for 19 year olds is to only buy liability insurance. The diagram below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The prices are based on no claims or violations, $250 deductibles, marital status is single, and no other discounts are factored in.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,210 per year more than just buying liability insurance. That brings up the question when is the right time to remove full coverage. There is no definitive guideline to exclude full coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

Get discount Dallas auto insurance

Car insurance for teenage drivers in Dallas, TXCar insurance companies that offer coverage for 19 year olds may provide special discounts that may potentially lower prices by as much as 35% or more if you qualify. Popular car insurance companies and some of the discounts are:

The chart below illustrates the comparison of insurance costs with and without policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, multiple policy, accident-free, homeowner, marriage, and safe-driver discounts applied. When drivers take advantage of discounts, the average amount saved on car insurance for 19 year olds is 28% or $723.

Why are you paying too much for Dallas car insurance?

Texas car insurance rates are based on many factors that will increase or decrease the cost of having a policy. Simply having a birthday, having a teenage driver, or getting a couple of tickets may generate price changes that may make certain companies more affordable than competitors. And not only may your rating factors change, but insurers amend premium rates at least once a year in order to offset underwriting gains or losses. A period of higher than normal claims can cause rate hikes, while lower claim levels may result in lower-cost Dallas car insurance rates.

As an example, the data below compares the cheapest car insurance in Dallas, TX for a 40-year-old female driver with no prior claims, no tickets, and a good credit history. When comparing rates based on her current rating profile, Travelers offers the most affordable car insurance rates in Dallas at $1,312 each year. This is $592 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the best Dallas, TX auto insurance companies.

In this example, we will give the driver from the above example a claim or two, less-than-perfect credit, and a speeding citation. Because each insurer has a proprietary method to establish rates, comparing quotes could now result in a significantly different list of affordable Dallas car insurance companies as shown below.

State Farm now has the best price on car insurance in Dallas with Mercury, Safe Auto, Nationwide, and USAA also being competitive. This example proves why consumers need to do a thorough rate comparison to find the most economical car insurance quotes for 19 year olds. Insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest rate a year ago may now be one of the more expensive options.

Ideas for finding more affordable auto insurance for 19 year olds

Here are some thrifty ideas that can help drivers locate cheap car insurance.

That last piece of advice is particularly critical, as we stressed in this article. Car insurance prices go up and down frequently, so you should be ready to switch carriers if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if it’s costing you a wad of cash every year. Now is a great time to compare prices and find cheaper auto insurance for 19 year olds in Dallas.