Who Has Affordable San Antonio Car Insurance Rates for Drivers with Accidents?

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It's impossible to miss the ads from insurers like Farmers, Nationwide, and Progressive that say if you switch you'll get enormous savings. So drivers just need to pick the company with the best ad, right?

Regrettably, it's not quite that easy, as there are many unknown aspects such as whether you are single or married, the vehicle you drive, if you want the added protection of full coverage, and how old you are, that help determine the price you have to pay. The information below will cover the different scenarios that increase car insurance cost and will hopefully give you a good beginning to your search for cheaper coverage.

The car, truck, or SUV that needs insurance is a significant factor that determines if you can find the lowest-priced auto insurance for drivers with accidents. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models.

The next list illustrates car insurance prices for the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $2,334
Honda CR-V EX 4WD $2,363
Jeep Wrangler Sport 4WD 2-Dr $2,450
Ford Edge SE 2WD $2,593
Ford F-150 XL Regular Cab 4WD $2,622
Toyota Prius $2,695
Chevrolet Malibu Hybrid $2,767
Toyota RAV4 Limited 4WD $2,772
GMC Sierra SLE Crew Cab 2WD $2,767
Ford Focus SEL 4-Dr Sedan $2,883
Chevrolet Equinox LT AWD $2,892
Honda Odyssey EX $2,896
Chevrolet Impala LS $2,901
Toyota Tacoma Double Cab 4WD $2,925
Dodge Grand Caravan SXT $2,930
Volkswagen Jetta S 4-Dr Sedan $2,934
Jeep Grand Cherokee Limited 4WD $2,941
Ford F-350 XL Crew Cab 2WD $2,970
Ford Explorer Eddie Bauer AWD $2,972
Dodge Ram 3500 Crew Cab Laramie 2WD $2,977
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Above prices assume single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in specific location information which can decrease or increase premiums noticeably.

Based on these rates, you can infer that vehicles like the Ford Escape, Honda CR-V, Jeep Wrangler, and Ford Edge are most likely to be the cheaper vehicles to insure for drivers with at-fault accidents. Car insurance rates will be more expensive just because there is more claim risk for drivers with accidents, but in general those models will probably have the best rates compared to other vehicles.

Trying to buy low-priced insurance is not always easy, and figuring out which company quotes the most affordable auto insurance rates for drivers with accidents requires a little more work.

Each auto insurance company has a proprietary formula for filing rates in each state, so we'll go over the most budget-friendly auto insurance companies in San Antonio. Keep in mind that San Antonio, TX auto insurance rates are calculated based on many things that will increase or decrease the price you pay. Events like a birthday, having a teen driver, or getting a DUI can produce rate changes that can make some companies cheaper than competitors.

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Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,095
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,244
5 California Casualty $1,396
6 Esurance $1,407
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,565
11 Progressive $1,647
12 Allstate $1,718
13 Amica $1,757
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,249
17 Unitrin $2,264
18 Encompass $2,324
19 21st Century $2,469
20 Titan $2,594
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Travelers generally has some of the cheapest car insurance rates in San Antonio at around $1,052 per year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the more affordable San Antonio, TX auto insurance companies.

In the rate table above, if you currently have coverage with Germania Mutual and switched to Travelers, you might see yearly savings of approximately $192. Texas drivers with California Casualty might save as much as $344 a year, and Esurance insureds might see rate reductions of $355 a year.

If you want to find out if you're overpaying, click here to start your free quote or visit any of the low-priced companies below.

These premium estimates are averages for all drivers and vehicles in Texas and and are not figured with a specific location for drivers with accidents. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That emphasizes why you need to get car insurance quotes using your own driver information and specific vehicle type.

How accidents and tickets impact rates in San Antonio

The easiest way to enjoy cheap auto insurance premiums in Texas for drivers with at-fault accidents is to drive attentively and not have accidents or get tickets. The diagram below illustrates how speeding tickets and at-fault fender-benders drive up car insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in San Antonio per year with no accidents or violations is $1,225. Receive one speeding ticket and the average cost surges to $1,432, an increase of $207 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with accidents increases to an average of $3,364. That's an increase of $2,139, or $178 per month, just for being a careless driver!

Picking the right auto insurance provider can be challenging considering how many companies there are in San Antonio. The company information below may help you pick which car insurance companies to look at purchasing from. These ratings are for large insurance companies, so companies that may only write in Texas are not factored into this list.

Top Auto Insurance Companies for Drivers with Accidents in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability only

Finding cheaper auto insurance is probably important to most vehicle owners, and one good way to reduce the cost of insurance for drivers with accidents is to not insure for full coverage. The information below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

If we average the cost for all age groups, physical damage coverage costs $2,393 per year more than buying just liability insurance. At some point, almost every driver questions if you should buy full coverage at all. There is no clear-cut rule for dropping comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's assume your vehicle's book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for full coverage, then it's probably a good time to buy liability coverage only.

The agents below can probably aid you in deciding which coverages and limits you need, as many consumers aren't sure which coverage to buy and prefer to have some professional guidance when comparing insurance rates for drivers with accidents. It can be difficult to find the best rates on your own, so getting professional guidance from a licensed agent can give comfort knowing you have enough coverage when you need it.

To find a San Antonio insurance agency closest to you, click the button at the bottom or click here to compare price quotes.

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How to find cheaper car insurance for drivers with accidents

It's not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help drivers get lower-cost car insurance.

The last idea is highly vital, as we noted in this write-up. Rates vary considerably, so drivers shouldn't hesitate to buy a policy from a new company if a better rate can be found.

We understand brand loyalty, but it isn't a good idea if that stubbornness costs you a small fortune. It only take a few minutes to compare rates and find cheaper insurance for drivers with accidents in San Antonio.