Question: For liability only, how much is it for a 17-year-old girl in the state of Texas, per month?
Answer: The monthly cost of a liability-only car insurance policy for a teenager in Texas could run from less than $100 a month to more than twice that amount, depending on where you live and how much you shop.
The main rating factors insurance companies look at include the age of a driver, years of driving experience and driving record, as well as the type of car, the primary use of the vehicle, and especially the location of the car and driver.
You didn’t mention what car you would want to insure or where in Texas you live; thus, we did quotes for various cities within Texas, so you can get a feel for how the rates differ depending upon where you are located.
We ran quotes based on a 17-year-old female that was insuring a 2008 Honda Civic with just the state’s minimum auto insurance coverage limits of $30,000 per person for bodily injury liability and $60,000 per accident, and $25,000 of property damage liability (known as 30/60/25 coverage).
For Dallas, the rates came back as low as $1,450 a year and as high as $2,614. In Austin, the rates ranged from $1,392 to $2,082. In the Houston area, quotes were from $1,366 to $2,442 annually, and finally, in El Paso, we found rates from $1,110 to $1,479.
While these are the yearly rates, most car insurance companies offer only six-month polices. You wanted to know about a monthly payment, so, if you went with the cheapest Dallas rate, you would buy a six-month policy for $725. The company offering this policy said you would need to put down $169.91 and then pay six monthly payments of $91.18.
Keep in mind, these are just sample rates; your own personal information will change the actual amount you'll pay.
There is also the issue of your age. The Texas Department of Transportation told us that the state doesn’t have age restrictions on buying, titling and registering a vehicle, but car insurance is required to register a car.
This may be an issue since Texas insurance companies can impose their own age restrictions. Most insurance companies will require a parent or guardian to sign on your policy with you, since it’s a legal contact and you're not yet considered an adult.
If adding a car to your family’s car insurance policy is possible, it normally is the better, cheaper way to go. (See "What a teenager does to your car insurance rates")
Young drivers have some of the most expensive car insurance rates, so whether on a policy of your own or your parent’s policy, make sure you get all the discounts you are eligible for. If you get good grades in school, there is the good student discount and some insurers give discounts if you’ve taken a driver education class.