Cheapest Car Insurance For College Students In Texas 2025

Texas is in the top five states across the US with the highest number of colleges and universities. The largest university in Texas, Texas A&M University, has over 74,000 students enrolled in any given year, with the University of Texas at Austin, University of Houston, and University of North Texas boasting an average of 48,000 students each year.

Whether you attend one of the biggest institutions in the state or one of the smallest, it is still important to find affordable car insurance.

Best Car Insurance Companies For College Students In Texas

When selecting car insurance for college students in Texas, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.

Use the table below to see our picks for the best auto insurers for students in Texas.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Liability-Only Car Insurance For College Students In Texas

Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.

Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.

As you can see from the table below, GEICO is the cheapest average option at $588 per year.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Full Coverage Car Insurance For College Students In Texas

College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.

While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.

USAA is the cheapest full coverage car insurance policy for students in Texas, at an average annual rate of $2,940.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Low-Mileage In Texas

If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.

The limit will vary between insurance companies, but is usually around 7,500 to 10,000 miles annually.

Use the table below to view the cheapest low-mileage rates for college drivers in Texas.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Cheapest Car Insurance For College Students With Driving Violations In Texas

Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.

One way to mitigate the damage of a driving violation is to work with a company like Texas Farm Bureau that specializes in insuring motorists with a history of tickets or accidents.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

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

Where you live in Texas can have a significant impact on your car insurance premiums.

Use the table below to view average rates for different cities in Texas.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 18-Year-Old College Students In Texas

State Farm offers the cheapest rates for 18-year-old college drivers in Texas, at an average monthly cost of $180.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 19-Year-Old College Students In Texas

State Farm provides the cheapest policy for 19-year-old college students in Texas, averaging $160 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 20-Year-Old College Students In Texas

The cheapest auto insurance rates for a 20-year-old college driver can be found with State Farm, averaging $140 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

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

The most affordable college student car insurance policy for a 21-year-old can be found at State Farm, with an average monthly cost of $117.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 22-Year-Old College Students In Texas

22-year-old student car insurance can be found from $109 per month, with a State Farm auto policy.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 23-Year-Old College Students In Texas

23-year-old college drivers can find affordable insurance from State Farm at an average monthly cost of $99.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance For 24-Year-Old College Students In Texas

The cheapest car insurance policy for a 24-year-old college student is $92 per month, which can be found with State Farm.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

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

State Farm offers the cheapest auto policies for 25-year-old college students in Texas at $79 per month.

* These figures are estimates based on general market trends, and they may differ from your actual rate.

Average Cost Of Car Insurance On Family Policy Vs. Individual Policy

* These figures are estimates based on general market trends, and they may differ from your actual rate.

How Can College Students Save Money On Car Insurance In Texas

While states like Texas are known for having some of the most expensive car insurance rates across the country, Texas will typically cost an average of $305 more per year on car insurance.

More to the point, many college students pay higher car insurance rates than drivers in their mid to late 20s. So, if staying on a parent or guardian’s policy isn’t an option, you’ll need to explore ways to reduce your monthly premium.

Check out the tips and strategies below to see if any apply to you:

Student Discounts

The easiest way to save money on car insurance for college students in Texas is to maintain a high GPA. Each insurance provider has different rules about what the minimum qualifications are to receive discounts for good grades.

Students can qualify for discounts by taking safe driver courses, being a safe driver, and going to school far away where the primary vehicle remains in a garage most of the time.

Used vs. New

While parents often think of a new car as a great graduation gift, a brand-new car might make insurance premiums worse.

It is best to avoid:

1. Sports cars built for speed, whose high-performing engines are viewed as a risk factor for speeding
2. High-end luxury cars whose repairs and replacements are going to cost the insurance company a lot
3. Electric vehicles; the battery alone can cost thousands of dollars to replace, making it a hefty insurance risk
4. Cars commonly stolen in Texas, like Chevy and Ford full-sized trucks; the Chevrolet Silverado was the most common stolen vehicle in Texas in 2023, with almost 7,000 reported cases

Brand new cars and heavily modified cars can cost much more than a make or model that is several years older, but can be retrofitted with safety devices that lower the overall premiums for college drivers in Texas.

Vehicle Security And Safety Improvements

All drivers can get discounts on their policies when they upgrade the vehicle security and safety systems, including college students. While the Texas State University campus only reported nine vehicle thefts in 2023, San Marcos, the city where college students are most likely to live, has seen a 50% increase in 2024 compared to the previous year, with an average of 200 car thefts each year, six per week taking place at night.

Drivers can qualify for discounts by making vehicle safety and security improvements, particularly those that make it easier to reduce the risk of theft, like anti-theft alerts or tracker devices on the off chance that a vehicle is stolen.

Many insurance providers offer lower premiums if you install security devices and features that reduce accident risks like daytime running lights.

Affiliation Discounts

Students, sometimes while enrolled and other times after graduation, can enjoy discounts on insurance and other things through different institutions, like the:

1. UNT Alumni Association
2. PerksConnect Discount Program from Texas A&M
3. Texas Exes discounts
4. ERS Texas Discount Purchase Program

Depending on your provider, participating in things like honor societies, alumni groups, or even clubs and organizations on campus might give you access to discounts.

How To Buy Car Insurance As A College Student In Texas

For college students, buying your first auto insurance policy can be overwhelming, but you can use online platforms like Insuranceopedia to simplify the process.

Below are some of the key steps to follow:

1. Have all the necessary info on hand—vehicle info, driver’s license numbers, policyholder details, and driving history.
2. Enter that information online so that you can compare auto insurance quotes from at least three companies. Online, you’ll be able to compare the discounts that you might get for different policies based on your personal information.
3. In addition to your personal information, you’ll need to figure out how much coverage you want, in addition to the state requirements, including things like comprehensive coverage or gap insurance. You might also want additional coverage options like roadside assistance, but remember that all of these come with additional costs.
4. Figure out what you want in terms of deductibles and premiums. Choosing higher deductibles, the amount that you pay out of pocket before your insurance kicks in, leads to lower premiums, so if you can keep money in savings to cover those unexpected claims, you can keep your premiums lower.

After you compare policies and pick the one you want, you’ll pay your first premium and receive your policy information in the mail. At this point, if you have a previous provider, you’ll need to let them know that your coverage is changing.

How To Get Discounts

As a college student, you can reduce your high premiums by taking advantage of carrier provided discounts. To get these discounts in Texas, check with any affiliates to see if they offer insurance discounts, talk to your insurance provider, and compare policies from other providers.

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

• Paid in full
• Vehicle safety devices
• Multi-policy
• Military
• Student away
• Good student
• Safe driver
• Low mileage
• Accident-free

Do College Students Need Their Own Insurance, or Can They Stay On A Parent’s?

It is important to continually revise your policy based on your car insurance needs and as a college student, that may include remaining on your parents’ policy or taking out your own.

1. If you live in Texas but you are going to school somewhere else check with the state requirements as to whether you can keep your current policy or need a new one.
2. If you are attending school in Texas, whether as a Texas resident or coming from out of state, you can typically remain on your parents’ policy if you keep their home as your permanent home.

There are no age limits in Texas for how long you can remain on your parents’ policy. But if you purchase your own vehicle and you have your own residence where that vehicle remains full-time, you will have to take out your own policy.

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)

Rear end collisions are the most common type of accident, particularly in areas with heavy traffic where there is stop and go traffic or outside of university campuses where there are lots of speed bumps, pedestrians, crosswalks, and other distractions.

Beyond that, hail damage is one of the most expensive property damage claims on car insurance policies in the state of Texas, and it represents billions of dollars worth of damage every year.

Texas Car Insurance Laws To Know

Texas requires what is called 30/60/25 coverage:

• $30,000 per person for bodily injury
• $60,000 per accident
• $25,000 for property damage per accident

Any driver who is driving in Texas, whether or not they live there, must have physical or digital proof of their insurance. All drivers must show proof of insurance when they register a vehicle, get a driver’s license, or renew their registration.

If caught driving without insurance or without proof of insurance can result in a ticket with a fine of up to $350 but if involved in an accident, that fine can be up to $4,000 with one year in jail and a driver’s license suspension and vehicle registration suspension for up to 2 years.

It is important to note that these minimum liability limits may not be adequate for those involved in serious accidents or if the vehicle is totaled, and the rest of the costs will have to be paid out of pocket if the insurance coverage is insufficient.

Compare College Student Rates To Other U.S. States

* These figures are estimates based on general market trends, and they may differ from your actual rate.