This would be a really short article if we could simply give you the name of the one best car insurance company that has the most affordable insurance in Texas. It’s just not that easy, however, as there are many unknowns such as whether or not you have had gaps between policies, how many years you have been driving, how far you drive each year, and your gender. This article goes into detail about the best ways to find cheap car insurance and will hopefully give you a jump start in finding the best auto insurance in Texas.
The vehicle you are insuring is one of the primary factors when looking for economical car insurance for felons. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost less to insure than higher performance models.
The next list shows insurance rates for the cheaper automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,083|
|Ford Escape XLS 2WD||$1,126|
|Honda CR-V EX-L 2WD||$1,151|
|Ford F-150 XLT Crew Cab 4WD||$1,189|
|Ford Focus SEL 4-Dr Sedan||$1,205|
|Nissan Rogue SL 2WD||$1,248|
|Ford Edge SE AWD||$1,309|
|Volkswagen Jetta 2.0T Station Wagon||$1,315|
|Chevrolet Silverado LS Crew Cab 2WD||$1,331|
|Toyota Tacoma 4WD||$1,354|
|Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD||$1,356|
|Ford Explorer Eddie Bauer AWD||$1,358|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower insurance rates considerably.
Looking at the numbers, vehicles like the Jeep Wrangler, Ford Escape, Honda CR-V, Ford F-150, and Ford Focus are most likely going to be some of the less-costly vehicles to insure for felons.
For felons, one of the more important components that are looked at to help calculate auto insurance rates is where your residence is. Regions with larger populations or more claims will most likely have higher rates, whereas areas with less crime or weather claims benefit from lower rates.
The illustration below sorts the most costly cities in Texas for felons to purchase auto insurance in. San Antonio is ranked at #13 with an annual cost of $1,722 for the average policyholder, which is about $144 each month.
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Premium costs are comparative as the specific San Antonio residence address can affect price quotes significantly.
Finding reliable, cost effective car insurance is hard enough, and deciding which insurers offer the lowest-priced auto insurance rates for felons will involve even more perseverance. Every car insurance company has a proprietary formula to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in San Antonio, TX.
It’s important that readers know that San Antonio auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Improving your credit rating, buying a home instead of renting, or getting a driving violation can cause premium changes resulting in some rates now being cheaper in comparison to the competition.
Cheap Insurance Rates for Felons
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers may offer some of the lowest car insurance rates in San Antonio at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the lowest-priced San Antonio, TX car insurance companies.
As shown above, if you currently buy coverage from Texas Farm Bureau and switched to Travelers, you might see annual savings of upwards of $214. Insureds with Germania Mutual might save as much as $235 a year, and California Casualty insureds might lower prices by up to $361 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or visit any of the companies below.
It’s important to note that these policy prices are averaged for all ages of drivers and types of vehicles and and are not figured with a specific zip code for felons. So the auto insurance company that fits your needs best may not even be in the top 23 companies in the list above. That emphasizes why you need to quote rates from many companies using your own specific driver information and vehicle.
How accidents and tickets impact rates
In a perfect world, the best way to get good auto insurance premiums in Texas for felons is to be a cautious driver and avoid accidents and violations. The diagram below highlights how traffic violations and at-fault claims raise annual premium costs for each age group. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance in Texas per year with no violations or accidents is $2,067. Get written up for one speeding ticket and the average cost increases to $2,343, an increase of $276 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for felons goes up to an average of $4,654. That’s an increase of $2,587, or $216 per month, just for not keeping your driving record clean!
The information below illustrates how your deductible choice can raise or lower insurance premiums when quoting cheap insurance for felons. The rates are based on a single male driver, comp and collision included, and no other discounts are factored in.
A 30-year-old driver could lower their policy premium by $422 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $634 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could potentially save $1,236 or even more just by choosing larger deductibles.
When choosing a higher deductible, it will be required to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Here’s why price comparisons are so important
Texas auto insurance rates are impacted by many things which can substantially change the price you have to pay for coverage. Turning one year older, buying a home instead of renting, or getting into an accident can trigger rate changes that may make certain companies cheaper than competitors. Also, insurance companies file new rates without warning in order to be able to pay unexpected claims. Heavier than normal losses can result in rate hikes, while better underwriting can cause cheaper San Antonio car insurance rates.
To illustrate this example, the bar chart below shows which companies have the cheapest car insurance in San Antonio, TX for a 30-year-old female driver with a good driving record, no prior claims, and good financial standing. If we look at prices based on her personal profile, Travelers offers the lowest car insurance rates in San Antonio at $1,184 a year. This is $720 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also included in the cheapest San Antonio, TX auto insurance companies.
Let’s now give the driver in the first chart an accident claim, slightly worse credit, and a traffic citation. Since each auto insurance company has their own guidelines for setting rates, comparing quotes could result in a different list of the cheapest companies as shown below.
Mercury now has the cheapest car insurance in San Antonio, TX with USAA, State Farm, Safe Auto, and Nationwide also having competitive pricing. This example shows why it is so important to take the time to shop around to get the most budget-friendly auto insurance rates for felons.
Insurance rates are impacted by many things and change frequently, so the best price the last time you shopped your coverage around may now be priced much higher than other options.
The professional agents shown below are willing to aid you in deciding which auto insurance policy would work best for you, since some drivers wish to get some help when trying to find lower insurance rates for felons. It can be challenging to find the best policy yourself, and professional agents can add satisfaction knowing your coverage gives you decent coverage if you have a claim. To locate an agency by location nearest to you, click the link at the bottom or click here to compare rates now.
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537
- Garcia Insurance Agency
1255 SW Military Dr – San Antonio, TX 78221 – (210) 593-8935
- Tom Fladd – State Farm Insurance Agent
9023 Huebner Rd #108 – San Antonio, TX 78240 – (210) 684-5253
- Robert Tijerina – State Farm Insurance Agent
8802 Potranco Rd Ste 105 – San Antonio, TX 78251 – (210) 684-3800
- GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391
How to find budget-friendly insurance for felons
The list below shows a few money-saving ideas that can help drivers buy cheap coverage.
- Staying accident-free helps keep rates low
- Drop full coverage on older vehicles
- Be a cautious driver
- Drivers with good credit ratings often pay less
- Increase your policy deductibles
- Drive safe vehicles
- Shop around once a year for cheaper rates
That last idea is especially valuable, as we discussed in this article. Car insurance prices change a lot, so drivers shouldn’t be reluctant to change insurance companies if you find a cheaper price. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that loyalty results in overpaying hundreds every year. In just a few minutes you could compare prices and find cheaper auto insurance for felons in San Antonio.