The Cheapest Car Insurance Companies in San Antonio
The cheapest car indemnity companies for drivers in San Antonio are :
- Farmers: $824 per year
- State Farm: $941 per year
stream or early military members and their families may opt for coverage from USAA, the second cheap car policy caller in San Antonio, at $ 887 per year. Farmers has the most low-cost full coverage policy in the city. It ’ south $ 1,812 less than the most expensive policy offered by The General. Full coverage policies provide comprehensive and collision policy, so your prices will vary depending on how much indebtedness insurance you select .
Cheapest Car Insurance in San Antonio
Full Coverage 100/300/100 MoneyGeek collected average rates for a 40-year-old male driver in San Antonio with a wax coverage policy in accord with our methodology. Although full coverage car insurance provides comprehensive examination and collision coverage, the premiums are substantially more expensive than minimum coverage. however, full coverage policies give you more protection in the event of an accident and help brood costs in sheath of any damage to your vehicle .
- Comprehensive Coverage: If your car gets damaged outside of an accident, this coverage pays for your repairs.
- Collision Coverage: This coverage pays for the damage to your vehicle if you’re at fault in an accident.
If you have an older fomite, full coverage car policy may cost more than your car ‘s rectify or surrogate measure. To get the cheapest rates possible, San Antonio drivers with older cars may opt for liability-only indemnity or a policy that follows express minimum requirements .
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Cheapest Car Insurance in San Antonio for Minimum Coverage
Purchasing minimum policy as per state requirements is the cheapest option in San Antonio. The cheapest car policy in the city for minimum coverage is provided by :
- Farmers: $426 per year
- State Farm: $510 per year
Current and former military members and their families can buy policy through USAA, which for state minimal liability-only is an low-cost option at about $ 434 per year. In San Antonio, the most low-cost policy offered by Farmers is $ 794 cheaper than the one issued by The General, which is the most expensive in the city. minimum coverage is the cheapest option but doesn ’ triiodothyronine include comprehensive and collision insurance ; it besides has low levels of indebtedness coverage. All of this puts you at risk of not being completely covered in the consequence of an accident. You can check the table below to know how much it costs to have higher indebtedness coverage .
Cheapest Minimum Liability Car Insurance in San Antonio
state Minimum A policy that meets the department of state ’ south minimum requirements is the cheapest option in San Antonio, but it besides offers the least security. Although your monthly premiums will be much less, you may end up paying well more out of pocket after an accident. For exercise, if the other driver has to pay $ 60,000 in medical bills due to an accident in which you ’ re at fault, the insurance company will lone cover $ 30,000. You will have to pay the balance of $ 30,000 out of pocket .
Texas Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 30,000 per person, $ 60,000 per accident and $ 25,000 for property price. A more protective degree is 100/300/100 .
Cheapest Car Insurance in San Antonio if You Have Driving Violations
Any drive violations such as DUIs, speeding tickets and at-fault accidents against your name will increase the monetary value of your policy. The best insurers for drivers with violations in San Antonio are :
- Cheapest after a ticket: State Farm, $941 per year
- Cheapest after an at-fault accident: State Farm, $1,132 per year
- Cheapest after a DUI: Esurance, $1,142 per year
If you have a hapless drive record in San Antonio, you may get cheaper insurance by improving your record over time. meanwhile, it ’ s a good idea to look around for the best bum car policy options for drivers with bad records .
Cheapest Car Insurance in San Antonio With a Violation
Average Cost of Car Insurance in San Antonio
San Antonio $1,289
In San Antonio, the average annual cost of car insurance is $ 1,289, which is lower than both the state and national average cost of cable car policy. Drivers in San Antonio yield about 2 % less than the average annual monetary value of car insurance in Texas, and 9.5 % less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in San Antonio
When determining car policy quotes in San Antonio, car insurance companies rely on several factors to assess the hazard associated with the driver. These factors include historic period, sex, make and model of the vehicle, coverage horizontal surface and ZIP code, among others. For exemplar, in San Antonio, a GEICO policy for an 18-year-old driver is more than twice equally expensive as a policy for a 40-year-old driver. regularly getting a individualized quote can help you find low-cost coverage as your circumstances transfer .
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see you ‘re getting the best rate for your car policy. Compare quotes from the clear insurance companies. widget-location-pin
The Best Car Insurance Companies in San Antonio
MoneyGeek graded the best policy options for drivers in San Antonio that balance wheel affordability and service. The companies with the highest scores are :
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
The best option for stream and early military members and their families is USAA, which scored highest on MoneyGeek ’ s military rank system. MoneyGeek ranked these cable car indemnity companies using several factors, including insurance company fiscal stability, customer satisfaction and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power .
1 USAA sexual conquest : 100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability
2 GEICO grade : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy
3 State Farm grudge : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability
4 Auto Club of Southern California Insurance Group mark : 85
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy
5 Allstate score : 80
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
6 Progressive mark : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
7 Nationwide score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
8 Farmers score : 77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy
9 Liberty Mutual score : 72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy
Average Cost of Car Insurance by Postal Code
Where you live in Texas can play a adult function in how much your car insurance will cost, and that ’ s surely true in San Antonio. For case, those living in the city ’ s most low-cost neighborhood for car policy — ZIP code 78223 — will pay $ 116 less in annual premiums than drivers living in the 78240 neighborhood, the city ’ s most expensive ZIP code for car coverage .
- Zip Code State Minimumper year
- 78223 $1,231
- 78247 $1,241
- 78249 $1,276
- 78251 $1,290
- 78245 $1,292
- 78250 $1,309
- 78228 $1,330
- 78240 $1,347
Factors That Impact Insurance Costs in San Antonio
In summation to person driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fateful accidents besides contribute to car indemnity rates in San Antonio. How San Antonio ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .
Most Accidents With Fatalities 87th / 300
Most car Thefts 161st / 300
Most uninsured Motorists by State 16th / 50 personal Injury Protection Required No
Most annual rain 182nd / 300
Most showery Days 189th / 300
Methodology and Assumptions
MoneyGeek ’ second average premium rates for San Antonio are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The median driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record.