Deciding which company quotes the cheapest auto insurance rates for active military may require a little more work in order to find a policy that fits your budget. Each auto insurance company uses their own calculation for establishing rates, so let’s examine the auto insurance companies with the most affordable rates in Texas.
Lowest Insurance Price Quotes for Military
|Rank||Company||Cost Per Year|
|4||Texas Farm Bureau||$1,247|
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Travelers has some of the lowest car insurance rates in San Antonio at around $1,052 annually. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also rank well as some of the lowest-priced San Antonio, TX car insurance companies.
As illustrated above, if you currently have coverage with USAA and switched to Travelers, you may realize a yearly price reduction of around $32. Customers with Germania Mutual might save as much as $192 a year, and Texas Farm Bureau policyholders might reduce prices by as much as $195 a year.
To see if you’re overpaying, click here to start a quote or quote rates from the companies below.
Understand that those premiums are averages across all drivers and vehicles and and are not figured with an exact vehicle garaging location for active military. So the company that is best suited for you may not even be in the top 23 companies shown above. That is why you need to compare prices as often as possible using your own individual information.
The car, truck, or SUV you are buying coverage for is probably the largest consideration when consumers are trying to find low-priced coverage for active military. Vehicles with reasonable performance levels, advanced safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models.
The table below features coverage premiums for a number of the more affordable vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$1,174|
|Ford F-150 XLT Crew Cab 2WD||$1,214|
|Honda Civic DX 4-Dr Sedan||$1,256|
|Ford Explorer Eddie Bauer 4WD||$1,303|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,325|
|Honda CR-V LX 4WD||$1,332|
|Toyota Corolla XRS||$1,372|
|Jeep Grand Cherokee Limited 4WD||$1,378|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$1,438|
|Ford Edge Limited 2WD||$1,440|
|Nissan Rogue SL AWD||$1,449|
|Toyota Tacoma 2WD||$1,440|
|Ford Escape Limited 4WD||$1,443|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,447|
|Toyota Camry Hybrid||$1,464|
|Hyundai Sonata Limited 4-Dr Sedan||$1,470|
|GMC Sierra Denali Crew Cab 2WD||$1,464|
|Chevrolet Malibu Hybrid||$1,466|
|Toyota RAV4 Limited 4WD||$1,471|
|Dodge Ram Quad Cab Sport 4WD||$1,490|
|Hyundai Elantra Blue 4-Dr Sedan||$1,516|
|Ford Fusion Sport 4-Dr Sedan||$1,570|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific garaging location which can lower or raise rates greatly.
Based upon the rates shown, you can expect cars like the Honda Accord, Ford F-150, and Honda Civic will definitely be a few of the cheapest vehicles to insure for military personnel.
For military personnel, one of the big criteria that are used to help calculate the amount you pay for auto insurance is where your car is garaged. Areas with high crime rates or more dense population likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below rates the priciest cities in Texas for active military to buy an auto insurance policy in. San Antonio makes the list at #12 with an annual cost of $1,722 for the average insured, which is approximately $144 monthly.
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Premium amounts are approximated as the vehicle garaging location can modify premium rates considerably.
How to get discounts on San Antonio insurance
Insurance companies that offer quotes for active military may also provide rate discounts that may potentially lower prices by as much as 35% or more if you meet certain criteria. Popular auto insurance companies and their offered discounts can be read below.
- State Farm offers premium reductions for accident-free, Drive Safe & Save, passive restraint, multiple policy, defensive driving training, Steer Clear safe driver discount, and anti-theft.
- American Family discounts include accident-free, air bags, bundled insurance, mySafetyValet, defensive driver, and TimeAway discount.
- GEICO may include discounts for membership and employees, good student, anti-lock brakes, emergency military deployment, and military active duty.
- 21st Century policyholders can earn discounts including teen driver, 55 and older, homeowners, early bird, good student, air bags, and anti-lock brakes.
- Progressive includes discounts for continuous coverage, online quote discount, multi-policy, online signing, multi-vehicle, and good student.
The chart below visualizes the comparison of annual premium costs with and without discounts being applied to the rates. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, homeowner, passive restraint, marriage, and anti-theft discounts applied. In this example, theaverage yearly reduction on auto insurance for active military is 28% or $637.
Ending up with the highest-rated car insurance provider can be difficult considering how many different companies sell coverage in San Antonio. The company ratings shown below could help you decide which providers to look at when comparing rate quotes. These rankings are for companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in the list.
Top 10 Large Auto Insurance Companies in San Antonio Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Top 10 Large Auto Insurance Companies in San Antonio Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Reckless driving habits raise auto insurance rates
One of the best ways to obtain affordable auto insurance rates for military personnel is to be a cautious driver and not have accidents or get tickets. The information below highlights how traffic violations and at-fault accidents influence insurance premiums for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of auto insurance in Texas per year with no violations or accidents is $1,542. Receive one speeding ticket and the average cost increases to $1,795, an increase of $253 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for active military increases to an average of $3,981. That’s an increase of $2,439, or $203 per month, just for not keeping your driving record clean!
If you wish to have professional advice when shopping for the best coverage for military personnel, the agencies below can probably answer your questions and help you decide which auto insurance coverages would be the best in your situation.
To find a San Antonio insurance agency using an interactive map, click the button following the list.
Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109
Allan Meyer – State Farm Insurance Agent
10130 San Pedro Ave #103 – San Antonio, TX 78216 – (210) 349-1317
Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034
Rudy Patino – State Farm Insurance Agent
105 Renner Dr – San Antonio, TX 78201 – (210) 732-9219
How to find more affordable insurance for active military
It’s not impossible to find cheaper rates, and here are many thrifty solutions that can help Texas drivers find cheap coverage.
- Avoid getting tickets or violations
- Don’t have frequent claims
- Having at-fault accidents will increase rates
- Buy vehicles with five-star safety ratings
- Good credit can mean cheaper rates
- Comparison shop frequently
The last idea is extremely necessary, as was pointed out in the article above. Coverage rates change frequently, so drivers shouldn’t hesitate to change to a new company if a better rate can be found.
Being loyal to a particular company is commendable, but it isn’t a good idea if that stubbornness costs you money that could be spent on other things. Spend a few minutes and shop around to find cheaper insurance for active military in San Antonio.