Establishing which company offers the cheapest insurance rates for immigrants takes a little more effort than just quoting one company’s rates. Every insurance provider has a unique approach for setting prices, so let’s take a look at the most affordable insurance companies in San Antonio.
Lowest Insurance Price Quotes for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
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Travelers normally has some of the lowest car insurance rates in San Antonio at around $1,021 a year. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the most economical San Antonio, TX car insurance companies.
In this example, if you are insured with Germania Mutual and switched to USAA, you could realize an annual premium reduction of in the vicinity of $210. Insureds with Esurance may save as much as $281 a year, and California Casualty customers might reduce prices by as much as $298 a year.
Bear in mind that those premiums are averaged for all types of insureds and vehicles and do not take into consideration an exact zip code location for immigrants. So the insurer that can offer the best rates for your situation may not even be in the list above. That emphasizes why you need to get quotes using your own driver data and vehicle information.
For foreigners, one of the big considerations that are used to help calculate the price you pay for insurance is where you keep your car. Regions with larger populations or more claims tend to pay slightly more, whereas areas with less congestion get the luxury of paying less.
The illustration below sorts the priciest cities in Texas for immigrants to buy car insurance in. San Antonio is ranked #13 costing $1,722 for car insurance, which is about $144 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,908 |
| 3 | Houston | $1,891 |
| 4 | Dallas | $1,855 |
| 5 | Garland | $1,850 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,786 |
| 9 | Pasadena | $1,758 |
| 10 | Grand Prairie | $1,757 |
| 11 | Beaumont | $1,754 |
| 12 | Irving | $1,736 |
| 13 | San Antonio | $1,722 |
| 14 | Fort Worth | $1,670 |
| 15 | Lubbock | $1,665 |
| 16 | Carrollton | $1,664 |
| 17 | Arlington | $1,642 |
| 18 | Austin | $1,610 |
| 19 | Plano | $1,608 |
| 20 | El Paso | $1,584 |
| 21 | Corpus Christi | $1,572 |
| 22 | Waco | $1,569 |
| 23 | McKinney | $1,561 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,518 |
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Information shown are approximated as the garaging address in San Antonio can alter premiums noticeably.
Get discounts on San Antonio auto insurance rates
Auto insurance companies that offer coverage for immigrants may also give you rate discounts that can lower rates by 40% or more if you are eligible. A few of the larger companies and some of the discounts are included below.
- Mercury Insurance has discounts for location of vehicle, accident-free, annual mileage, low natural disaster claims, and multi-car.
- Farmers Insurance may offer discounts for bundle discounts, good student, multi-car, distant student, youthful driver, teen driver, and electronic funds transfer.
- Farm Bureau offers discounts for renewal discount, driver training, multi-policy, safe driver, 55 and retired, multi-vehicle, and good student.
- State Farm discounts include Drive Safe & Save, accident-free, safe vehicle, anti-theft, multiple autos, Steer Clear safe driver discount, and driver’s education.
- Allstate has savings for FullPay discount, safe driver, early signing, anti-theft, good student, and economy car.
- GEICO offers discounts including five-year accident-free, defensive driver, good student, membership and employees, anti-lock brakes, and federal employee.
The diagram below shows the comparison of insurance rates with and without discounts applied to the premium. The premiums are based on a female driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with passive restraint, vehicle safety, anti-theft, multiple policy, accident-free, and multiple vehicle discounts applied. With discounts applied, theamount saved on insurance for immigrants is 28% or $524.
Buying coverage from a highly-rated insurer can be a challenge considering how many different companies there are to choose from in Texas. The information listed below may help you decide which auto insurers you want to consider buying from. These ratings include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Texas will not be included in these rankings.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cost comparison with and without full coverage
Reducing the cost of insurance is probably important to the majority of drivers, and one of the easiest ways to pay lower rates for insurance for immigrants is to only buy liability insurance. The illustration below compares auto insurance costs with and without physical damage coverage. The price estimates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are factored in.
If we average all the age groups together, physical damage insurance costs $2,181 per year more than just insuring for liability. Many of you may wonder if physical damage coverage is worth the money. There is no clear-cut rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.