Who Has Cheap Auto Insurance Quotes for 16 Year Olds in San Antonio?

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One of the more important factors that are looked at to help calculate car insurance rates is where your residence is in San Antonio. Areas with increased crime or more people will most likely pay more, whereas more rural areas have the benefit of cheaper car insurance.

The following table shows the priciest cities in Texas for 16 year olds in which to purchase auto insurance. San Antonio ranks #12 with an annual cost of $1,722 for coverage, which is about $144 monthly.

How much does car insurance cost in San Antonio, TX?
Rank City Annual Rate
1 McAllen $1,936
2 Brownsville $1,927
3 Houston $1,909
4 Dallas $1,893
5 Laredo $1,889
6 Amarillo $1,858
7 Garland $1,832
8 Mesquite $1,807
9 Pasadena $1,758
10 Grand Prairie $1,757
11 Irving $1,736
12 San Antonio $1,722
13 Lubbock $1,716
14 Beaumont $1,702
15 Arlington $1,692
16 Fort Worth $1,670
17 Carrollton $1,664
18 El Paso $1,632
19 Austin $1,610
20 McKinney $1,609
21 Plano $1,576
22 Corpus Christi $1,572
23 Abilene $1,561
24 Waco $1,537
25 Killeen $1,533
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Rate information is estimated as the garaging address in San Antonio can increase or decrease auto insurance rates greatly.

Deciding which companies have the most affordable car insurance rates for 16 year olds will involve more time than just comparing a company or two. Every insurance company uses a different method to set their prices, so let's take a look at the most budget-friendly car insurance companies in San Antonio.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,553
10 Safe Auto $1,565
11 Progressive $1,698
12 Allstate $1,701
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,469
20 Titan $2,594
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Travelers generally has some of the best car insurance rates in San Antonio at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable San Antonio, TX car insurance companies.

As shown in the rates above, if you buy coverage from Germania Mutual and switched to USAA, you may see a yearly savings of approximately $177. Drivers with Esurance may save as much as $248 a year, and California Casualty insureds might see rate reductions of $321 a year.

To get a fast rate comparison, click here to begin a quote or click several companies below for low rates.

Be aware that those prices are averages for all types of insureds and vehicles and do not factor in an exact vehicle garaging location for 16 year olds. So the car insurance company that has the cheapest price for you may not even be in the top 23 companies shown above. That's why you need to get car insurance quotes using your own driver information and specific vehicle type.

The vehicle model requiring coverage is one of the largest considerations when consumers are trying to find affordable insurance for 16 year olds. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.

The list below outlines insurance prices for the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $4,864
Honda Accord LX 4-Dr Sedan $4,874
Honda CR-V EX 4WD $4,911
Hyundai Elantra SE Touring Station Wagon $5,209
Toyota Prius $5,254
Ford Explorer XLT 2WD $5,471
Honda Odyssey EX $5,721
Ford Edge SE AWD $5,730
Dodge Grand Caravan Hero $5,768
Chevrolet Equinox LS 2WD $5,777
Toyota RAV4 4WD $5,768
Toyota Camry LE $5,773
Ford Fusion S 4-Dr Sedan $5,768
GMC Sierra SLE Regular Cab 2WD $5,775
Chevrolet Malibu LS $5,768
Ford F-150 FX2 2WD $5,813
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,820
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase coverage rates considerably.

Looking at the data, we can tell that vehicles like the Ford Escape, Honda Accord, and Honda CR-V will definitely be the cheapest vehicles to insure for new drivers. Rates will tend to be more expensive just because there is more liability risk for 16 year olds, but generally speaking those vehicles will probably have the lowest insurance prices compared to other types of vehicles.

The illustration below illustrates how your deductible choice can raise or lower insurance rates when researching cheap insurance for 16 year olds. The information is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could lower their car insurance rates by $422 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $634 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could possibly save as much as $1,074 each year just by using higher deductibles. When choosing a higher deductible, it's a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Drive safe and save

The easiest way to score low car insurance rates for new drivers is to be a careful driver and avoid at-fault accidents and violations. The illustration below demonstrates how citations and at-fault accidents can affect insurance costs for different age groups. The data is based on a single male driver, full coverage, $250 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of car insurance per year with no accidents and a clean driving record is $2,000. Get written up for two speeding tickets and the average cost rises to $2,648, an increase of $648 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of car insurance for 16 year olds goes up to an average of $5,041. That's an increase of $3,042, or $253 per month, just for not driving responsibly!

Finding the best company is hard considering how many companies sell coverage in San Antonio. The information below could help you decide which car insurance providers you want to consider shopping prices with. These rankings are only made up of the largest companies in the United States, so companies without a large exposure are not factored into these rankings.

Best 15 Car Insurance Companies for 16 Year Olds in San Antonio
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
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Data Source: Insure.com Best Car Insurance Companies