McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Car insurance for a new driver in Texas costs an average of $1,139 per year to $3,930 per year. Auto insurance premiums for new drivers in Texas vary widely depending on a driver’s age and whether they are being added to an existing policy or purchasing their own. For example, the premium increase from adding a teenager to a parent’s policy is significantly less than the cost of a teenager getting their own policy.
Average Cost of Car Insurance for New Drivers by Age
| Company | Monthly Cost | Annual Cost |
| 16-years-old | $323 per month | $3,930 per year |
| 17-years-old | $270 per month | $3,231 per year |
| 18-years-old | $244 per month | $2,932 per year |
| 19-years-old | $189 per month | $2,271 per year |
| 20-years-old | $165 per month | $1,981 per year |
Note: Premiums are representative of a good driver with a minimum coverage policy; individual premiums will vary.
New drivers aren’t only teens and those in their early 20’s. A new driver could be an adult who got their license later in life, a recent immigrant, or anyone who has a long gap in their driving or insurance history. For these types of new drivers in Texas, insurance rates will still likely be higher than the average of $64 per month for an experienced adult.
A new driver’s lack of experience can classify them as high risk. Once new drivers get a bit more practice and have a proven track record of safe driving, however, they’ll begin to see their rates decrease. To learn more about minimizing the cost of car insurance in Texas, check out WalletHub’s picks for the cheapest Texas car insurance companies.
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