The type of vehicle you are trying to insure is one of the largest considerations when trying to find the best insurance for 19 year olds. Vehicles with high performance engines, poor safety features, or a track record of large liability claims will cost substantially more to insure than safer models.
The list below illustrates coverage premiums for a selection of the most budget-friendly vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $3,402 |
| Honda CR-V EX-L 2WD | $3,446 |
| Ford Escape Limited 4WD | $3,682 |
| Volkswagen Jetta S 2.5 Station Wagon | $3,691 |
| Toyota Prius | $3,725 |
| Honda Odyssey EX W/Rear Entertainment | $3,994 |
| Ford Edge Limited 2WD | $4,001 |
| Ford Focus S 4-Dr Sedan | $3,994 |
| Dodge Grand Caravan Hero | $4,037 |
| Toyota Tacoma Double Cab 4WD | $4,045 |
| Jeep Grand Cherokee Laredo 4WD | $4,037 |
| Toyota RAV4 4WD | $4,047 |
| Ford F-150 Lariat Super Cab 4WD | $4,081 |
| Ford Explorer Eddie Bauer 4WD | $4,089 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,232 |
| Chevrolet Impala LTZ | $4,275 |
| Ford Fusion SEL 4-Dr Sedan | $4,319 |
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Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in San Antonio, TX location which can impact price quotes significantly.
Looking at the numbers, we can conclude that models like the Honda Accord, Honda CR-V, Ford Escape, and Volkswagen Jetta are most likely to be a few of the cheaper vehicles to insure for teenage drivers. Rates will tend to be more expensive because there is more claim risk for 19 year olds, but generally speaking those makes and models will most likely have the lowest prices compared to other vehicles.
Finding reliable, low-priced auto insurance is not easy, and finding out which companies quote the best car insurance rates for 19 year olds requires even more rate comparisons. Each insurance company has a proprietary formula for determining rates in each state, so first we will examine the most budget-friendly car insurance companies in San Antonio, TX.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
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Travelers quotes some of the lowest car insurance rates in San Antonio at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the best San Antonio, TX insurance companies.
As the rates illustrate above, if you are insured with USAA and switched to Travelers, you might achieve savings of in the neighborhood of $54. Texas drivers with Texas Farm Bureau might save as much as $170 a year, and Germania Mutual policyholders might realize rate reductions of up to $203 a year.
To find the cheapest coverage for you, click here to start your free quote or feel free to get quotes from the companies below.
It’s important to note that these prices are averages across all drivers and vehicles and do not factor in a vehicle location for 19 year olds. So the company that has the cheapest price for you may not even be in the list above. That illustrates why you need to get quotes using your own driver and vehicle profiles.
For teenage drivers, one of the more important criteria that are used to help calculate the price you pay for insurance is your address in San Antonio. Areas with more people or more claims are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The table below rates the highest-priced places in Texas for 19 year olds to purchase a policy in. San Antonio shows up at #11 having an annual price of $1,739 for the average policyholder, which is around $145 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Houston | $1,891 |
| 3 | Laredo | $1,889 |
| 4 | Brownsville | $1,851 |
| 5 | Amarillo | $1,840 |
| 6 | Dallas | $1,837 |
| 7 | Garland | $1,832 |
| 8 | Grand Prairie | $1,811 |
| 9 | Mesquite | $1,753 |
| 10 | Pasadena | $1,740 |
| 11 | San Antonio | $1,739 |
| 12 | Irving | $1,736 |
| 13 | Beaumont | $1,720 |
| 14 | Arlington | $1,692 |
| 15 | Lubbock | $1,682 |
| 16 | Carrollton | $1,647 |
| 17 | McKinney | $1,625 |
| 18 | Plano | $1,624 |
| 19 | El Paso | $1,616 |
| 20 | Austin | $1,610 |
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Premium costs are estimated as the vehicle garaging location can influence coverage prices greatly.
Impact of violations and accidents on rates in San Antonio
The easiest method to maintain cheap car insurance premiums for teenage drivers is to drive carefully and not receive tickets or have accidents. The information below highlights how speeding tickets and at-fault collisions influence auto insurance rates for different categories of driver ages. The costs are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the chart above, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $1,833. Receive two speeding tickets and the average cost increases to $2,603, an increase of $770 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for 19 year olds increases to an average of $3,394. That’s an increase of $1,561, or $130 per month, just for a couple of infractions!
The illustration below highlights how deductible selection can change premium costs when searching for cheap insurance for 19 year olds. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could pocket $374 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $564 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, could lower their rates up to $1,236 or more by using a higher deductible. When choosing a higher deductible, it will be important to have emergency funds available to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Are you paying too much for car insurance in San Antonio?
Texas car insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Simply improving your credit, becoming a homeowner, or getting a couple of tickets can trigger changes in premium resulting in some companies being cheaper than competitors. Additionally, auto insurance companies change prices multiple times each year in order to protect their financial rating. An extended period of higher than normal claims can cause more expensive prices, while long-term profits may produce lower-priced San Antonio car insurance rates.
To illustrate this point, the graph below compares the cheapest car insurance in San Antonio, TX for a 35-year-old male driver with no prior claims, no tickets, and great credit. If we estimate rates based on his personal risk profile, Travelers may offer the most affordable car insurance rates in San Antonio at $1,169 annually. This is $735 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest San Antonio, TX auto insurance companies.
The next chart shows rates after we give the driver from the first example some claims, a lower credit rating, and a speeding citation. Since each auto insurance company has a proprietary formula to determining premium rates, comparing rates may now present a completely different list of the cheapest car insurance companies in San Antonio as shown below.
State Farm now has the cheapest insurance rate in San Antonio with Mercury, Safe Auto, USAA, and Nationwide now being in the top five. This shows why consumers need to take the time to shop around with many companies when trying to find the best insurance rates for 19 year olds. Prices are influenced by many risk factors and can change substantially, so the most economical option the last time you shopped your coverage around may now be one of the more expensive options.
Tips to find the cheapest car insurance for 19 year olds
Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help San Antonio drivers get cheap car insurance.
- Claim-free drivers earn discounts
- Maintaining good credit helps earn cheaper rates
- Maintain a safe distance and avoid accidents
- You will pay more if you get tickets or have at-fault accidents
- Buy a car with high safety ratings
- Comparison shop frequently
That last tip is extraordinarily vital, as was stressed in this write-up. Prices in San Antonio change a lot, so don’t be tentative to switch carriers if you find a better deal.
Having a favorite company is fine, but it’s not a great idea if it’s costing you hundreds every year. In just a few minutes you could compare prices and find cheaper auto insurance for 19 year olds.