Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in San Antonio?

The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are looking for the best car insurance rates for hybrid vehicles. Because of the high cost, let’s take a look at a few of the things that have an impact on auto insurance rates, and see how we can help you lower the cost of your next policy.

Comparing rates for low-priced car insurance is not the easiest thing to do, and determining which companies have the lowest-priced car insurance rates for hybrid vehicles requires a little more work. Each company has a different formula to set policy rates, so let’s take a look at the car insurance companies with the overall cheapest rates in San Antonio.

It’s a good idea to be aware that San Antonio, TX car insurance rates are calculated based on many things which can substantially decrease or increase the price of coverage. Events such as a birthday, buying higher coverage limits, or getting a driving violation can produce rate changes that can make some companies much higher than others.

Best Car Insurance Prices for Hybrids

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,407
6 California Casualty $1,438
7 Mercury $1,506
8 State Farm $1,510
9 Nationwide $1,538
10 Safe Auto $1,597
11 Progressive $1,664
12 Amica $1,705
13 Allstate $1,718
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,183
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,469
20 Titan $2,594
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Travelers offers some of the best car insurance rates in San Antonio at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the best San Antonio, TX auto insurance companies.

As shown in the rates above, if you are insured with Texas Farm Bureau and switched to Travelers, you may realize a yearly savings of roughly $189. Customers with Germania Mutual might save as much as $272 a year, and Esurance policyholders might lower prices by $397 a year.

To find cheaper insurance rates for your vehicle, click here to get quotes or click several companies below for low rates.

Be aware that those policy rates are averages for all drivers and vehicles in Texas and and are not calculated with a specific zip code for hybrid vehicles. So the auto insurance company that is best suited for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get quotes using your own driver and vehicle profiles.

The car, truck, or SUV you are buying coverage for is probably the largest consideration when consumers are trying to find the cheapest insurance for hybrid vehicles. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The next list shows coverage premiums for a handful of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $901
Honda CR-V EX-L 4WD $911
Toyota RAV4 Limited 4WD $1,041
Volkswagen Jetta LE 4-Dr Sedan $1,050
Ford F-150 Lariat Super Cab 4WD $1,061
Ford Explorer XLT AWD $1,077
Toyota Prius $1,105
Chevrolet Impala LS $1,109
Nissan Rogue S AWD $1,114
Kia Optima LX $1,122
Jeep Grand Cherokee Laredo 2WD $1,135
Ford Edge Limited 2WD $1,139
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,144
Chevrolet Malibu LS $1,164
Chevrolet Silverado LS Extended Cab 4WD $1,172
Honda Civic LX 4-Dr Sedan $1,169
Dodge Grand Caravan SXT $1,192
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,202
Nissan Altima 2.5 S 4-Dr Sedan $1,194
Hyundai Elantra SE 4-Dr Sedan $1,203
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle location which can decrease or increase insurance rates considerably.

Based upon the table data, you can conclude that makes and models like the Ford Escape, Honda CR-V, and Toyota RAV4 are most likely to be the most affordable vehicles to insure for hybrids.

Impact of citations and accidents on insurance rates

The common sense way to receive the cheapest car insurance premiums for hybrids is to pay attention while driving and avoid traffic citations and accidents. The chart below shows how speeding tickets and fender-benders can affect yearly insurance costs for different insured age categories. The premium estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,225. Get one speeding ticket and the average cost swells to $1,432, an increase of $207 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for hybrid vehicles goes up to an average of $1,997. That’s an increase of $772, or $64 per month, just for not driving responsibly!

Get discount San Antonio auto insurance

Cheaper San Antonio, TX car insurance for hybridsInsurance providers that offer cheap quotes for hybrid vehicles may have policy discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. The best car insurance companies and some of the premium reductions they offer can be found below.

The information below compares insurance premiums with and without some available policy discounts. The costs are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, anti-theft, multiple policy, claim-free, safe-driver, and homeowner discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for hybrid vehicles is 28% or $827.

Which car insurance company is best in Texas?

Selecting a good quality company is difficult considering how many companies there are to choose from in San Antonio. The company rank data in the lists below can help you pick which providers to look at when trying to find the cheapest insurance for hybrid vehicles.

These ratings include major nationwide insurance companies, so smaller companies that only insure vehicles in Texas are not included in this list. If you wish to compare prices and find the cheapest rates for hybrid vehicles, follow this link.

Top 10 Large Auto Insurance Companies 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+

What aren’t you shopping around?

San Antonio, TX car insurance rates are determined by lots of factors which can substantially change the price you have to pay. Improving your credit rating, getting divorced, or getting caught speeding can produce rate changes resulting in some rates now being much cheaper than others. Not only that, but insurance companies file new Texas auto insurance rates at least once a year in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause higher rates, while lower claim expenses can result in lower-priced San Antonio car insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in San Antonio, TX for a 35-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we compare prices based on her personal risk profile, Travelers quotes the cheapest car insurance rates in San Antonio at $1,158 annually. This is $746 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest San Antonio, TX auto insurance companies.

In this example, we will give the driver in the first chart a chargeable claim, a lower credit score, and a stop sign violation. Since every insurance provider uses their own formula for determining prices, comparing quotes could result in a new list of companies as shown below.

State Farm now has the best price on car insurance in San Antonio, TX with Mercury, Safe Auto, Nationwide, and USAA completing the list. This demonstrates why drivers need to spend some time comparing rates to get the cheapest auto insurance rates for hybrid vehicles. Prices are calculated by many risk factors and change frequently, so the best price when you last compared rates may now not even be in the top five.