New Drivers Insurance In Dallas
Getting your first driver’s license is a right of passage that many teens and young adults look forward to. It can be a stressful and expensive experience for parents though. New drivers are much more expensive to insure but there are a few tips that can help you get the best premiums possible. Dallas auto insurance prices can be costly for new drivers so it is important to make sure you get all the discounts you can.
New Driver Requirements In Texas
Texas has a graduated license program for new teen drivers. The graduated license is designed to give new drivers plenty of experience before giving them a full non-restricted license. All drivers will start with a driving education course. The course can be taught by the school, the parents, or a third party that specializes in driver education. You then get a phase one license, called a learner’s license. After that, you will graduate to a provisional or phase two license. These learner and provisional licenses put special restrictions on driving until a full license is earned.
Of course, a necessary and important part of getting a teen driver license is also getting them covered by your auto insurance company. If you’ve been enjoying low car insurance rates all this time, you might be in for some sticker shock. Teen drivers are the most expensive to insure on the road.
When we think of new driver insurance in Dallas we think of teenage drivers but there are many adults that purchase auto insurance in Dallas for the first time. International students or people moving from a big city may have never had a drivers license before and get it for the first time when they move to Dallas. Auto insurance companies in Dallas factor in prior insurance history in their rating factors most of the time. It is cheaper for a new driver to purchase basic liability auto insurance in Dallas. Here are a few auto insurance companies in Dallas that offer good rates for new drivers:
- Venture
- Falcon
- Save Money Car Insurance
The Cost Of New Driver Insurance In Dallas
New, inexperienced drivers are costly to insure because they are more prone to accidents. In fact, young drivers cause more than double the average number of car accidents. It can help you get cheap auto insurance in Dallas if you do liability only auto insurance. Full coverage insurance in Dallas for new drivers is very expensive.
All Texas drivers are required to have car insurance. The state of Texas mandates coverage of 25/50/25 for anyone operating a motor vehicle. This means $25,000 for bodily injury to one person, $50,000 for bodily injury to more than one person, and $25,000 for property damage. The state average for how much your car insurance premiums will increase with one teen driver on the plan is $2,171.
According to NerdWallet, here are some cheap auto insurance companies to work with if you have a teen driver on the plan:
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Geico: $3,247 per year.
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Texas Farm Bureau: $3,717 per year.
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Republic Group: $4,137 per year.
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Auto Club of SoCal: $4,880 per year.
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State Farm: $5,064 per year.
Things That Affect Teen Driver Insurance Premiums In Dallas
Your teen might be eligible for a discount if they have good grades. It is also important to talk with them about the responsibilities of driving and how just one ticket or accident can double or triple their cost of insurance. The number one thing that causes accidents for teens is distractions. To eliminate distractions they should never use their cell phone while driving and inexperienced drivers should limit radio noise and the number of friends they have in the car with them at a time. State laws will have additional restrictions about driving with other underage drivers in the car while you have a graduated license. Help your teen keep a clean driving record and give them plenty of time to practice driving with a parent or teacher.
New to Cheapest Auto Insurance?
If you are a teen driver needing insurance or moving to Dallas and are needing cheap auto insurance Call us at 214-760-4883 or for a quote online click here!