Live out of state, but Daughter will be going to A&M next year. Looking at car insurance options and curious what most people pay for teenager (18) in Texas.

- Good Student
- No Citations or Accidents

Can anyone tell me how much the pay (ballpark) for car insurance in TX for adding a teenager in similar scenario?

Gigem_94 said:

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I have 3 boy drivers (1 totaled vehicle + 2 additional fender benders) and about to add a 4th boy. Whatever yours is, just be thankful.

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I empathize.

We had 6 wrecks and 4 vehicles totaled in 20 months. (Not all our fault)

My insurance premium was a mortgage payment for a while.

$125-150 a month

I know the cost of vehicle they are driving is a big factor. I appreciate the feedback on the thread.

SnowboardAg said:

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I pay $2500 annually for my wife and I. About to add our son and my agent said a safe bet is to double the cost.

Look to add discounts around grades and have them take defensive driving too for a discount (if it can apply).

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This is about right. Wife and I were $2-3k / year and then went to about $8k with two teens and $10k with three teens.

Used to be in the business working for Liberty Biberty 50 plus years ago so it's changed a lot I imagine. But boys under 21 with their own car had the highest rates out there, If they were "occasional" drivers of the family car it was about half. Girls were less than boys. Buying a boy under 21 a car of his own is expensive. Check with your agent and see what the difference would be between him being the principal driver of his own vehicle or an occasional driver of yours. If there are 3 cars and 3 drivers it won't work........if you absolutely want him to have his own buy him a beater that doesn't need comp and collision.

AggieFrog said:

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highpriorityag said:

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$125-150 a month

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From what carrier? I have three teenage drivers - $200-250/month per driver is more what I see.

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all state

you have to shop all the big guys and have good credit

I'm with State Farm. Adding my son raised monthly price by about $90. I was surprised.

I have State Farm and my son was consistently about 1.5 to 1.6x my own monthly premium. He drives a 2017 Infiniti wagon.

All in, our yearly premium for two cars (no accidents or tickets) has fluctuated from about $3500-$4k, with about $1500 of that being for me.

Now that he is 21, I am getting some relief. His premium has come down to about $1000/6 months (mine has stayed constant at $700-$750 for the better part of 12 years).

I did raise his collision deductible to $2k a while back (mine is $500), but it honestly didn't save very much.

Mine always drove a beater and it was understood that if he wreck it he would buy the next one. He made it through High School in a 2002 Honda Civic. We live in a rural area, 25 miles to school so he got lots of miles with not much traffic. The Honda bit the dust in College Station but he had been gifted a Caddie SRX from a Great Aunt who passed and it had lots of issues from sitting around, but it made it through A&M.

His insurance was never more than one of the cars that had full coverage, I think that was about $150 a month.

1agswitchin4lanes said:

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We have multiple insurance policies. All of our cars that are newer and nicer that our teenager doesn't drive is on one policy, which he is excluded from.

We have a separate policy that my wife and I are insured on, and the teenager is added as a driver, for his vehicle.


This makes it much more cost-effective, and was actually suggested by our insurance agent.

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We did the same thing for a while.

Find a carrier that lets you exclude drivers. Some wouldn't allow it, but we found a couple who did.

But if you exclude them from a policy covering your car...do not let them drive it. Or you're on the hook.

harris county
kid just got license
on policy where can drive all 3 cars....'21 lexus es350....'25 vw atlas....'22 f150...his car
progressive for 6 months was a little more than my wife and I but nothing crazy...he added $1000
good student

We owned nice cars and were paying $750 a month to insure 4 cars with 2 female teenage drivers. These rates were from 10 years ago.

My oldest daughter was in 3 wrecks in College Station, 2 were not her fault. Totaled 2 vehicles.

Youngest daughter was in 2 wrecks, both fender benders, not her fault. College Station driving is intense and getting worse everyday.