The vehicle model you are insuring is one of the biggest factors that determines whether or not you find low-cost coverage for drivers under 25. Vehicles with higher performance characteristics, poor safety features, or an increased likelihood of liability claims will cost more to insure than safer models.
The information below ranks auto insurance premiums for some of the most budget-friendly vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$2,245|
|Honda CR-V EX-L 4WD||$2,277|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,481|
|Dodge Grand Caravan SE||$2,513|
|Ford Explorer XLT 4WD||$2,520|
|Toyota RAV4 Limited 4WD||$2,658|
|Jeep Grand Cherokee Laredo 4WD||$2,663|
|Chevrolet Impala LT||$2,658|
|Chevrolet Equinox LT 2WD||$2,667|
|Volkswagen Jetta LE 4-Dr Sedan||$2,658|
|Chevrolet Malibu Hybrid||$2,667|
|Toyota Camry LE||$2,658|
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in vehicle garaging location which can increase or decrease price quotes substantially.
Looking at the rates, we can conclude that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Jeep Wrangler are some of the most budget-friendly vehicles to insure for drivers age 25 and younger. The cost of auto insurance will be more costly because of the fact that there is a higher risk for drivers under 25, but overall those vehicles will probably have the cheapest car insurance rates possible.
Finding decent, cheap insurance is easier said than done, and figuring out which company has the cheapest car insurance rates for drivers under 25 takes even more perseverance. Every insurance company has a proprietary method for determining rates in each state, so we’ll take a look at the most budget-friendly car insurance companies in San Antonio.
Lowest Insurance Price Quotes for Young Drivers
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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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 rank well as some of the cheapest San Antonio, TX insurance companies.
As shown above, if you buy coverage from Esurance and switched to USAA, you might see yearly savings of in the vicinity of $251. Policyholders with California Casualty could save as much as $254 a year, and Mercury customers might lower prices by $333 a year.
Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for drivers under 25. So the auto insurance company that has the lowest price for you may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
Get discounts on San Antonio car insurance rates
Insurance companies that provide coverage for drivers under 25 may provide price discounts that could potentially reduce rates by 30% or more if you meet specific criteria. A few popular companies and their possible discounts include:
- GEICO discounts include daytime running lights, military active duty, emergency military deployment, anti-theft, anti-lock brakes, multi-vehicle, and driver training.
- Travelers policyholders can earn discounts including multi-car, early quote, save driver, home ownership, student away at school, and driver training.
- Nationwide may have discounts that include easy pay, business or organization, family plan, good student, accident-free, and Farm Bureau membership.
- Farmers Insurance offers discounts including youthful driver, teen driver, business and professional, mature driver, bundle discounts, and alternative fuel.
- Esurance includes discounts for emergency road assistance, paid-in-full, good driver, good student, online shopper, and Pac-12 alumni.
- State Farm offers premium reductions for student away at school, anti-theft, good student, safe vehicle, Steer Clear safe driver discount, and defensive driving training.
- Progressive offers discounts for good student, homeowner, online signing, online quote discount, multi-vehicle, and continuous coverage.
- Mercury Insurance has savings for location of vehicle, age of vehicle, multi-car, annual mileage, and multi-policy.
The example below compares auto insurance costs with and without discounts applied to the policy rates. The data is based on a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, good student, passive restraint, vehicle safety, and paperless filing discounts applied. When discounts are factored in, the average amount saved each year on car insurance for drivers under 25 is 21% or $436.
Careless driving habits raise San Antonio car insurance rates
The easiest way to obtain affordable car insurance prices in San Antonio for drivers age 25 and younger is to be a good driver and maintain a clean driving record. The chart below highlights how speeding tickets and accidents increase insurance prices for each age group. The prices are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance in Texas per year with no accidents or violations is $2,429. Get one speeding ticket and the average cost rises to $2,733, an increase of $304 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for drivers under 25 increases to an average of $5,212. That’s an increase of $2,784, or $232 per month, just for not being a responsible driver!
Shop around and save
Texas car insurance rates are based on many factors that may substantially change the price you have to pay for coverage. Improving your credit rating, having a teen driver, or having an accident may cause policy rate changes that can now make some companies much cheaper than others.
Also, auto insurance companies change prices without warning to adjust for heavy claims or excess profits. An extended period of higher than normal claims may cause rate increases, while long-term profits may produce lower-cost San Antonio car insurance rates.
To help illustrate this point, the chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 40-year-old female driver with no violations or accidents, and a good credit history. Based on her current risk profile, Travelers quotes the most affordable car insurance rates in San Antonio at $1,157 annually. This is $747 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also on the list of the cheapest San Antonio, TX auto insurance companies.
Now we will give the driver in the first chart a chargeable claim, slightly worse credit, and a blemish on her driving record. Due to the fact that every auto insurer has their own unique process to set premium rates, analyzing rate quotes may now result in a completely different list of the cheapest companies as shown below.
State Farm now has the cheapest insurance rate in San Antonio with Mercury, Safe Auto, USAA, and Nationwide also being competitive. This example demonstrates why it is so important to perform a complete rate comparison to find the most affordable insurance rates for drivers under 25. Car insurance prices are influenced by many different factors and change dramatically, so the best price the last time you checked may now be priced much higher than other options.
How to find cheaper insurance for drivers under 25
Lowering your rates is not difficult, and here are some of the better penny-pinching ideas that can help drivers find lower-cost auto insurance.
- Higher deductibles mean lower rates
- Buy a vehicle with excellent safety ratings
- Drivers with good credit often pay less
- Try paying for small claims out-of-pocket
- Save money by only buying liability coverage for older vehicles
- Multi-policy discounts save money
- Shop your coverage around for the best deal
That last tip is especially valuable, as we stressed in this piece. Prices charged by auto insurers in San Antonio can change considerably in a year, so don’t be afraid to change to a new company if a more affordable price is available.
Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty ends up costing thousands of dollars over the life of your policy. If you have a few minutes, compare rates and find cheaper auto insurance for drivers under 25.
The auto insurance agents in San Antonio shown below can most likely help you make a decision which car insurance policy is best, since some drivers have questions and prefer to have the advice of a professional agent when buying car insurance for drivers under 25. It can be difficult to find the cheapest car insurance policy, and a licensed agent can add peace of mind knowing your coverage gives you suitable coverage if you have an accident.
To find a San Antonio insurance agent nearest to you, click the button after the list or click here to compare price quotes.
IBC Insurance Agency Ltd
5300 Walzem Rd – San Antonio, TX 78218 – (210) 646-9870
Luis Corral – State Farm Insurance Agent
4416 Ramsgate St #101 – San Antonio, TX 78230 – (210) 696-6324
Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786
State Farm: John Pitre
825 W Bitters Rd #105 – San Antonio, TX 78216 – (210) 514-1083