Car insurance calculator for teens in Texas

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Car insurance for teens in Texas costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Texas. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Texas

AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$6,571 Average rate

$16,165 Highest
rate

$1,681 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Progressive	$16,165
Auto Club Enterprises (AAA)	$8,017
Allstate	$6,769

Least expensive companies for auto insurance in ()

Company	Average annual rate
Redpoint Insurance	$1,681
Texas Farm Bureau	$3,336
USAA	$4,921

Average car insurance costs for teens in Texas

On average, teen drivers in Texas pay $4,607 per year for coverage with limits of 100/300/100 – that’s $100,000 for one person’s injuries, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Texas can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

Teen car insurance rates in Texas, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Texas averages $5,583 per year. At 19, the average falls again to $4,092.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Texas by age.

Teen car insurance in Texas, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Texas, a 16-year-old male driver pays about $5,862 annually, while a female of the same age pays $5,306 – a difference of $556.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Texas by gender.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Cheapest car insurance companies for teen drivers in Texas

Car insurance for teen drivers is expensive, but some insurers offer more affordable rates than others, which is why comparing quotes from multiple insurers is the best way to find the cheapest coverage for your teen.

In Texas, Redpoint Insurance offers the lowest rates for drivers ages 16-19, averaging $1,681 per year for full coverage with 100/300/100 limits and $500 deductibles for collision and comprehensive.

The second-cheapest option for teen drivers in Texas is Texas Farm Bureau, with an average annual premium of $2,411.

The table below highlights the cheapest car insurance companies for teens in Texas.

Minimum car insurance requirements for teens in Texas

Like adults, teen drivers in Texas must carry at least the state’s minimum liability coverage:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

You might find interesting

Explore related topics

• Average car insurance cost in Texas
• Cheapest SR-22 insurance in Texas
• Do you need insurance to register a car in Texas?
• How long does a speeding ticket stay on your record in Texas
• How much is gap insurance in Texas
• Low-cost car insurance in Texas
• Non-owner car insurance in Texas: Which company has the cheapest rates?
• Texas car insurance calculator
• Texas car insurance: Rates, state minimum requirements and best companies
• The best and cheapest car insurance in Texas

See more