Car Insurance for Teenage Drivers in Texas

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

There are a few things that teenage drivers should know about car insurance before they get behind the wheel:

• First and foremost, you have to have car insurance if you intend to legally drive a car.  The state of Texas requires that you have at least Basic Liability Coverage, which includes $20,000 in coverage per injured person in an accident, $40,000 total for everyone hurt in an accident, and $15,000 for property damages.
• You must have proof of insurance any time you drive your vehicle.  You will be required to show proof of insurance if you are asked for it by a police officer, are in an accident, or are completing other official auto related tasks, (renewing license, etc.).

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Average Auto Insurance Rates for Teenagers

Auto Insurance rates depend on a variety of factors, including age, gender, location, and driving history.  The following profiles are examples of car insurance prices for teenagers and young adults living in Austin, Texas.

Single Male, Age 18, Good Driving Record

• Premiums can range anywhere between $900 and $2500, but usually hang around the $1,300 area.

Single or Married, Male or Female, Age up to 25, Good Driving Record

• Premiums can range between $300 and $800, but usually hang around the $400 area.

How to Secure Low-Cost Car Insurance Rates for Teenagers

There are two common ways in which a teenage driver can insure he/she receives good car insurance rates:

• Keep your driving record clean.  Your rates will remain low if you don’t get into accidents and don’t get tickets.
• Get safety and good student discounts.  Many companies offer discounts to students who view car safety videos and keep their grades up. 

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