If you are a young driver living in the Lone Star State and looking to obtain car insurance, you’ll want to research the best auto insurance companies for young drivers in Texas. That’s because you have to carry insurance in Texas anyway, so you might as well find out the one that will best serve you and give you the best rates.

According to information on the Texas Department of Insurance website, vehicle owners must carry at least the minimum amount of insurance to meet the state’s financial responsibility law. In the state of Texas, that means all vehicle owners, young drivers included, have to carry a minimum liability insurance coverage of $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage. This is known as 30/60/25 basic coverage.

Perhaps the best way to go is for you to be insured on your parents’ auto insurance policy, if at all possible. Why? You’ll probably get better rates than if you try to obtain car insurance on your own due to the fact that your parents probably already have discounts for multiple cars, owning a home, being married, and so forth.

Since your parents have likely been with the same insurer for some time, they’ll be able to give you their opinion of the company, based on their own experience. You should know that any violations you have on your driving record (number of speeding tickets or other offenses), and number of claims you’ve had (whether or not you caused an accident) will result in higher premiums for your parents’ policy, by adding you to it.

You can also try on your own to find the best auto insurance companies for young drivers in Texas. Check out the national companies licensed to do business in the state that also have high A.M. Best ratings of A, A+ or A++. These auto insurance companies include Progressive, Allstate, Safeco, Chubb, The Hartford and Travelers.

Go to each company’s website and look up how they cater to young drivers, what kind of discounts are available, and even compare sample rates by using their rate calculator. Not every auto insurer gives a discount to young drivers for maintaining good grades or taking a driver’s ed course. Progressive doesn’t, for example. But if you have a policy with Progressive, or are on your parent’s policy with the company, you will be eligible for a decrease of up to 35 percent at age 19, and an additional 25 percent at age 21.

State Farm Insurance does offer an Academic Achievement Discount for full-time students in Texas under age 25 (for a male) and age 21 (for a female) who maintain good grades, as well as a Driver Training Discount, a Steer Clear Safe Driver Discount, and a number of other discounts that may be applicable to young drivers.

Allstate Insurance offers a Good Student Discount of up to 20 percent for full-time students in Texas under the age of 25 who maintain good grades, as well as discounts for safe driver, safety equipment, early signing, full pay, and more.

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