Car Insurance by Driver
Numbers updated on
Programs, discounts and rules for your situation.
Choose your situation
- Military members
- Seniors
- Veterans
- Teens (16, 17, 18 year olds)
- Car insurance without a driver's license
- New drivers
- High-risk drivers
- Low-income drivers
- College students
- Insurance for leased cars
- First-time drivers (any age)
- Car insurance after a speeding ticket
- Teachers
- Insurance for financed cars
- Rideshare insurance (uber and lyft drivers)
- Car insurance after a dui
- Car insurance after an accident
- Nurses
- Drivers with disabilities
- Women
- Coverage for delivery drivers (doordash, uber eats)
- International students
How age and record change the price
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
It was first written on