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Texas Teen Car Insurance

In Texas, teen car insurance premiums depend on several factors. When you are looking for car insurance for your TX teen, you should do some research to make sure you are getting the best possible rate. One of the factors that affect Texas car insurance for teens is the fact that a graduated licensing program is in place.

Texas Teen Car Insurance And Graduated Licensing 

The Graduated Driver Licensing Program in Texas was implemented to help new drivers get the best possible start. All new drivers under the age of 18 are required to start by obtaining a learner’s permit. This means they are only allowed to drive with a licensed driver in the vehicle with them. (The licensed driver must be over the age of 21.) After six months (and if the teen is at least 16 years of age), the teen goes to the next stage in the process, which is to get a provisional license.

The provisional license allows the young driver to operate a vehicle on their own, but they are not permitted to drive between midnight and 5 a.m. They are also barred from driving with more than one person under the age of 21 in the car with them.

After completing the six-month period with a provisional license, the teen can have more than one friend in the car at a time and drive at night. Until the young person reaches the age of 18, their license is still provisional.

To apply for a driver’s license, a person under the age of 18 needs to provide the following information: 

  1. Proof of Identity 
  2. Social Security Number 
  3. Driver Education Completion Certificate 
  4. Texas Vehicle Registration and Proof of Insurance (if they own a car)

Proof of enrollment in school is also required to obtain a driver’s license. If a teen has dropped out, they won’t be able to apply for a license until after their 18th birthday.

Texas Teen Auto Insurance: How To Get the Best Possible Rate 

Here are some suggestions to help you save money on a TX car insurance policyfor your teen:

  1. Shop Around: Compare rates from a number of different companies before you make a decision. Compare the level of coverage you get and the premium you will be paying for each company you are considering. The price you are quoted will likely depend on whether you are looking to insure a new male or female driver: Insurance for girls may be as much as 50% higher than for an adult and for boys, the number jumps to 100% higher.
  2. Add the Teen Driver to Your Existing Auto Insurance Policy: It may be more economical to add the teen to your existing auto insurance policy. The time to contact your insurance company to add them to your policy is when they first start driving. You will want to make sure they have adequate coverage from the first moment they get behind the wheel.
  3. Encourage Your Teen to Get Good Grades: A student who is able to obtain (and keep) at minimum “B” average in their studies may be eligible for a discount on their TX teen auto insurance.
  4. Choose Your Teen’s Car with Care: The amount you will pay for auto insurance in Texas for your teen will vary depending on the type of vehicle they are driving. A mid-size car is probably the best choice as far as keeping insurance costs down is concerned. Small cars and sporty models should be avoided, since these styles may be considered ones that encourage teens to drive at excessive rates of speed, and/or in a reckless manner. If you want to buy a car for your teen to drive, look for one that offers a high level of protection if there is an accident. A truck or an SUV may not be the best choice if you want to keep rates for your TX teen car insurance down.
  5. Tell Your Insurer If Your Teen Will Be Going Away To School: If your teen attends school in another city (at least 100 miles away) and won’t be home to drive, let your insurer know. You may be able to get a discount on your teen car insurance in TX because of it.

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