Car Insurance for Good Drivers

What does a good driver need to know about car insurance?

A good driver should be pleased to know that he/she has access to some of the best rates in the car insurance industry.  Keep in mind that having at least a basic liability insurance policy is the law in the state of Texas, and not even good drivers are exempt from that law. 

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What are the average rates for good driver?

The following rates are generally offered to good drivers in the state of Texas:

Single male, age 18: Premiums can range anywhere between $900 and $2500, but usually hang around the $1,300 area.
Married male, age 18:  Premiums commonly hang around the $800 to $1,200 range.
Male or Female, age 25, single or married: Premiums can range between $300 and $800, but usually hang around the $400 area.
Male or Female, age 35, single or married:  Premiums commonly hang between the $200 and $800 range. 
Male or Female, age 55, single or married:  Rates can range from $200 to $700, depending on the company.
Male or Female, age 64, single or married:  Rates range from $200 to $800, but tend to hang around the $300 area.  Rates vary by company.

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What are the benefits of having a good driving record?  What discounts are available to good record drivers?

The main benefit that is available for good drivers is great insurance rates.  Car insurance rates are determined by a number of factors, including age, gender, credit score, location, and car type.  However, one of the more important factors in determining your insurance rates is your driving history.  A good driver does not have to pay higher rates because he/she does not have any past tickets or accidents to suffer from.