Car Insurance For College Students In Texas

Our auto insurance specialists dedicated nearly 40 hours to reviewing and comparing quotes from different companies to find the best car insurance for college students in Texas. GEICO emerged as the top choice for affordability and full coverage.

State Farm was a strong contender for Texas college students seeking minimum coverage or a company known for outstanding customer service. For those with accidents or violations on their records, Progressive emerged as the best choice.

This guide will examine all three companies and how factors such as location and age can affect insurance rates for Texas college students.

Average Cost Of Car Insurance For College Students In Texas – By City

Average Rates For 18 Year Old College Students In Texas

Average Cost For 19 Year Old College Students In Texas

Texas Rates For 20 Year Old College Students In Texas

Cost Of Car Insurance For 21 Year Old College Students In Texas

Average Rates For 22 Year Old College Students In Texas

Average Texas College Student Rates For 23 Year Old

Average Cost For 24 Year Old College Students In Texas

Average Cost Of Car Insurance For 25 Year Old College Students In Texas

Average Rates On Family Policy vs. Individual Policy

Do College Students Need Their Own Policy?

While insurance rules are often clear-cut, whether you need your own coverage as a college student depends on several factors. Let’s explore situations where you might remain on your family’s plan and those where you would need to find your own policy.

Purchasing Coverage As A College Student

The primary reason a college student might need to get their own insurance is if they change their address. Once they have a permanent address separate from their parents, they will need to purchase a new car insurance policy.

Keeping Students On A Family Car Insurance Policy

Unlike health insurance, which has an age limit for children staying on their parent’s policy, there’s no such limit for car insurance. As long as children live at home or use their parents’ permanent address while at college, they can remain covered under the family’s auto insurance policy.

How Can College Students Save Money On Car Insurance In Texas

Sadly, for many college students, car insurance rates are much higher compared to drivers in their mid to late 20s. If you can’t stay on a parent or guardian’s policy, you’ll need to explore ways to reduce your monthly premium.

The following tips and strategies will help you make car insurance more affordable.

Student Discounts

Security And Safety Improvements

Although some strategies on this list are tailored for college students, this tip is relevant for all drivers. Many insurance providers offer lower premiums if you install security devices or make safety improvements to your vehicle.

For instance, adding anti-theft features such as a car alarm could reduce your car insurance premium by up to 5%.

Affiliation Discounts

For many students, joining clubs and organizations is a fantastic way to engage in campus life. These groups can also offer extra benefits beyond the university, such as access to specific discounts. Depending on your insurance provider, being part of a sorority, fraternity, honor society, or alumni group might help reduce your monthly premium.

Usage-Based Car Insurance

Usage-based car insurance, like telematics, monitors a driver’s behavior behind the wheel, but it also includes an additional feature that’s particularly attractive to college students.

With usage-based car insurance, you can lower your premiums and earn discounts by driving fewer miles each year. These “Pay-Per-Mile” plans are a cost-effective way to secure affordable coverage if your car stays in the dorm lot or at home for most of the school year.

Temporary Car Insurance

Although not all car insurance companies provide temporary coverage, it’s an excellent choice for college students who don’t drive often.

Temporary auto insurance policies generally offer six months of coverage, with the option to cancel at the end of the term. This allows college students to avoid paying for unused months of coverage while in school and is also a good option for those studying abroad for a semester.

Telematics Car Insurance For College Students

As a college student, finding creative ways to save on car insurance is crucial. One of the best methods to reduce your monthly premium is by using telematics.

Telematics devices are used by insurance companies to monitor and assess your driving habits. The safer you drive, the better your rates will be, increasing your chances of earning discounts for safe driving.

How To Buy Car Insurance As A College Student In Texas

For college students, buying your first auto insurance policy can be overwhelming. Fortunately, platforms like Insuranceopedia simplify the process and make it more enjoyable.

These websites make it easy to compare rates from various providers, but you’ll need some information on hand to guide you through the process. Here’s a summary of the steps you should follow to buy your next auto insurance policy:

Step 1: Have all the necessary info on hand—vehicle info, driver’s license numbers, policyholder details, and driving history.
Step 2: Determine the amount of insurance required to meet Texas law.
Step 3: Decide whether you’ll purchase the policy online or through a local agent.
Step 4: Compare quotes from at least three different insurance companies.
Step 5: Buy your insurance policy and notify your old provider of the switch.

How To Get Discounts

Car insurance can be expensive for college students, particularly if you have tickets or accidents on your driving record. A good way to reduce the cost of coverage is by taking advantage of carrier-provided discounts.

Each car insurance company offers its own set of discounts for policyholders. Here are some you should consider before choosing a plan:

• Paid in full
• Multi-vehicle
• Multi-policy
• Military
• Student away
• Good student
• Safe driver
• Defensive driving
• Low mileage
• Accident-free

Common Auto Insurance Claims In Texas

In Texas, there are typically four main types of auto insurance claims, which are:

• Comprehensive Claims (2.81 claims per 100 vehicle years)
• Bodily Injury Claims (0.95 claims per 100 vehicle years)
• Collision Claims (5.8 claims per 100 vehicle years)
• Property Damage Claims (3.36 claims per 100 vehicle years)