How Much is Auto Insurance for Teenage Females in San Antonio?

For teen girls, one of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where you keep your car in San Antonio. Areas with a lot of weather claims or more people will most likely pay more, whereas less populated areas have the luxury of lower rates.

The information below rates the most costly cities in Texas for teenage females in which to purchase auto insurance. San Antonio is ranked #12 with the annual price of $1,722 for the average insured, which is approximately $144 monthly.

How much does car insurance cost in San Antonio, TX?
Rank City Annual Rate
1 McAllen $2,016
2 Laredo $1,907
3 Dallas $1,893
4 Houston $1,891
5 Amarillo $1,858
6 Brownsville $1,851
7 Garland $1,850
8 Grand Prairie $1,793
9 Irving $1,772
10 Pasadena $1,758
11 Mesquite $1,753
12 San Antonio $1,722
13 Beaumont $1,702
14 Lubbock $1,682
15 Fort Worth $1,670
16 Arlington $1,642
17 Carrollton $1,615
18 Austin $1,610
19 McKinney $1,609
20 Plano $1,608
21 Corpus Christi $1,588
22 El Paso $1,568
23 Waco $1,537
24 Abilene $1,499
25 Killeen $1,473
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Annual rates are approximated as zip code location can influence premiums significantly.

Figuring out which companies have the best auto insurance rates for teenage females requires a little more effort than just getting one or two price quotes. Each auto insurer has a unique approach for setting rates, so we need to take a look at the auto insurance companies with the overall cheapest rates in San Antonio.

It’s a good idea to know that Texas auto insurance rates are impacted by many factors that may substantially change the price you pay. Improving your credit rating, buying a home, or getting a reckless driving citation may prompt premium changes resulting in some rates now being affordable when they were higher priced.

Find the Cheapest Auto Insurance for Teens

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Travelers has some of the lowest car insurance rates in San Antonio at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best San Antonio, TX insurance companies.

In the above example, if you have coverage with Germania Mutual and switched to Travelers, you could realize a yearly savings of about $284. Texas drivers with Esurance could save as much as $397 a year, and California Casualty customers might reduce prices by as much as $414 a year.

To see how much you can save, click here to start your custom quote or click several companies below for low rates.

Remember that these premiums are averaged for all ages of drivers and types of vehicles and do not factor in an exact location for teenage females. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies shown above. That’s why you need to get rate quotes from many companies using your own personal information and vehicle type.

Finding a high-quality auto insurance provider is hard considering how many companies sell coverage in Texas. The ranking data in the lists below can help you decide which auto insurers to look at shopping prices with.

These rankings are only comprised of major nationwide insurance companies, so companies that focus mainly on Texas business will not be included in these rankings. If you’d like to compare prices from the insurers below and more, follow this link.

Top 10 Major Auto Insurers in San Antonio Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Major Auto Insurers in San Antonio Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

The diagram below illustrates how your choice of deductibles can impact insurance costs when researching cheap insurance for teenage females. The costs are based on a single male driver, full coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could lower their policy premium by $426 a year by switching from a $100 deductible to a $500 deductible, or save $638 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could save up to $1,414 or more by choosing larger deductibles on their policy. When raising deductibles, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Drive responsibly or pay higher rates

One of the best ways to get low auto insurance rates in Texas for teen girls is to drive carefully and avoid getting tickets or having accidents. The chart below highlights how speeding tickets and at-fault accidents can raise insurance prices for different age groups. The rate quotes are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in San Antonio per year with a clean driving record and no accidents is $2,035. Get written up for one speeding ticket and the average cost rises to $2,341, an increase of $306 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for teenage females jumps again to an average of $5,112. That’s an increase of $3,077, or $256 per month, just for not keeping your driving record clean!

San Antonio car insurance rates

San Antonio auto insurance rates are determined by lots of factors which can significantly increase or decrease the price of coverage. Simply having another birthday, having a claim, or getting a speeding ticket can cause premium changes resulting in some rates now being cheaper in comparison to the competition. In addition to those changes, companies amend premium rates as often as every quarter in order to remain profitable. Higher than normal claims can result in price increases, while a lower level of claims may result in cheaper San Antonio car insurance rates.

For instance, the chart below shows the companies that have the cheapest car insurance in San Antonio, TX for a 40-year-old male driver with no accidents or violations, and a high credit rating. If we estimate rates based on his current risk factors, Travelers quotes the most affordable car insurance rates in San Antonio at $1,166 a year. This is $738 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the cheapest San Antonio, TX auto insurance companies.

In the next rate comparison, we’ll give the driver from above a couple of claims, slightly worse credit, and an imperfect driving record. Since every car insurance company has their own process for establishing rates, comparing quotes could now result in a new list of cheap San Antonio auto insurance companies as shown below.

State Farm now has the best price in San Antonio, TX with Mercury, Safe Auto, Nationwide, and USAA now being in the top five. This example demonstrates why it is critical to compare as many rates as possible when trying to get the most budget-friendly insurance rates for teenage females. Insurance rates are impacted by many risk factors and change frequently, so the cheapest rate when you bought your policy may now be costing you a lot of money.