The words “cheap” and “insurance” really shouldn’t be used together, specifically when you are trying to find the lowest insurance rates for high school students. To help control this cost, let’s learn about some of the things that influence car insurance premiums, and find a few ways to take a little off the next policy you buy.
Deciphering which companies offer the cheapest insurance rates for high school students calls for a bit more effort in order to find a policy that fits your budget. Every car insurance company uses a different method for setting prices, so let’s rank the insurance companies with the overall cheapest rates in Texas.
It’s important that you understand San Antonio insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, having a teen driver, or getting a reckless driving citation can cause premium changes that may make certain companies more affordable than the competition.
Find the Cheapest Car Insurance for Students
Travelers may have some of the cheapest car insurance rates in San Antonio at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the more affordable San Antonio, TX auto insurance companies.
As illustrated above, if you are insured with Texas Farm Bureau and switched to Travelers, you could see an annual savings of in the neighborhood of $194. Policyholders with Germania Mutual might save as much as $253 a year, and California Casualty customers might see rate reductions of $341 a year.
Be aware that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a vehicle location for high school students. So the auto insurance company that is most affordable for your situation may not even be in the list above. That’s why you need to get quotes using your own specific driver and vehicle information.
For teenagers, one of the big factors that are looked at to help calculate the annual cost of car insurance is where you live. Cities with larger populations or higher claim trends likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.
The information below shows the most costly cities in Texas for high school students to purchase car insurance in. San Antonio comes in at #13 with an annual cost of $1,722 on average, which is approximately $144 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,851 |
| 3 | Laredo | $1,851 |
| 4 | Dallas | $1,837 |
| 5 | Houston | $1,835 |
| 6 | Garland | $1,832 |
| 7 | Pasadena | $1,812 |
| 8 | Irving | $1,789 |
| 9 | Amarillo | $1,786 |
| 10 | Beaumont | $1,772 |
| 11 | Mesquite | $1,771 |
| 12 | Grand Prairie | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Austin | $1,676 |
| 15 | Lubbock | $1,665 |
| 16 | Fort Worth | $1,653 |
| 17 | Arlington | $1,642 |
| 18 | Corpus Christi | $1,636 |
| 19 | McKinney | $1,625 |
| 20 | El Paso | $1,616 |
| 21 | Plano | $1,608 |
| 22 | Carrollton | $1,598 |
| 23 | Waco | $1,584 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
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Rates are approximated as zip code location can revise rates greatly.
The vehicle you are seeking coverage for is probably the biggest factor when trying to find cheaper car insurance for high school students. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The data below illustrates auto insurance rates for a selection of the more affordable vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $4,650 |
| Ford Escape Limited 4WD | $4,933 |
| Honda Accord EX-L 4-Dr Sedan | $4,939 |
| Toyota Prius | $4,976 |
| Ford F-150 STX Regular Cab 2WD | $5,130 |
| Toyota Tacoma 4WD | $5,176 |
| Ford Edge SE AWD | $5,413 |
| Ford Focus SE 4-Dr Sedan | $5,418 |
| Chevrolet Impala LS | $5,413 |
| Chevrolet Malibu Hybrid | $5,459 |
| Toyota RAV4 Limited 4WD | $5,469 |
| Jeep Grand Cherokee Laredo 2WD | $5,459 |
| Dodge Grand Caravan SXT | $5,503 |
| Ford Explorer Limited 4WD | $5,509 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $5,735 |
| Compare Cheap Rates Go | |
Prices 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 claim-free, and safe-driver. Rates do not factor in specific garaging location which can raise or lower price quotes noticeably.
Looking at the numbers, you can figure that models like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius are most likely to be some of the less-costly vehicles to insure for teenagers. The cost of auto insurance will be more costly just because there is more liability risk for high school students, but overall those vehicles will tend to have the best insurance prices that you’ll find.
Discounts on San Antonio auto insurance rates
Insurance companies that offer cheap quotes for high school students may also give you special discounts that may potentially lower prices by as much as 35% or more if you qualify. A few of the larger companies and their offered discounts are outlined below.
- GEICO discounts include federal employee, driver training, emergency military deployment, membership and employees, air bags, military active duty, and good student.
- MetLife policyholders can earn discounts including good driver, accident-free, good student, claim-free, defensive driver, multi-policy
- State Farm has savings for driver’s education, anti-theft, safe vehicle, accident-free, good driver, and Steer Clear safe driver discount.
- Progressive may offer discounts for online quote discount, continuous coverage, multi-policy, homeowner, and good student.
- Mercury Insurance includes discounts for good driver, multi-car, annual mileage, good student, and ease of repair.
- 21st Century may include discounts for homeowners, student driver, anti-lock brakes, automatic seat belts, defensive driver, and teen driver.
- Allstate offers discounts including utility vehicle, multi-policy, good payer, farm vehicle, and auto/life discount.
The diagram below illustrates the difference between insurance prices with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, continuous coverage, paid-in-full, good student, paperless filing, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on insurance for high school students is 28% or $658.
Buying coverage from the top insurance provider can be a challenge considering how many choices there are in Texas. The ranking information in the next section can help you select which insurers to look at when looking for cheaper rates. These ratings are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Companies Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Ideas to find cheaper auto insurance for high school students
The list below summarizes some money-saving suggestions that can help you quote cheaper auto insurance.
- Increase your credit score
- Do not file small claims
- Prevent rate increases by staying accident-free
- Vehicles with safetly features generally cost less to insure
- Be a cautious driver
- Shop around for cheaper prices
The last idea is highly crucial, as we stressed in the prior information. Rates vary greatly, so don’t be tentative to change to a new company if a more affordable price is available. Loyalty to a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you money that could be going to better use. It only take a few minutes to compare rates and find cheaper auto insurance for high school students in San Antonio.