The words "low-priced" and "insurance" really shouldn't be used together, specifically when trying to find the cheapest coverage for a school permit. Let's introduce you to a few of the things that influence auto insurance premiums, and find out if you can take the sting out of your next policy.
One of the many things that are used to help calculate the price you pay for insurance is where you choose to live. Larger areas tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from lower rates.
The following table rates the most expensive cities in Texas for a school permit in which to purchase auto insurance. San Antonio is listed at #14 with an annual cost of $1,688 on average, which is approximately $141 monthly.
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Rates are comparative as zip code location can lower or raise prices significantly.
The vehicle model that needs insurance is probably the biggest factor in finding low-priced car insurance for a school permit. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost less to insure than higher performance models. The table below estimates insurance prices for the most cost-effective vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$3,691|
|Hyundai Elantra GLS Touring Station Wagon||$3,700|
|Honda CR-V EX 4WD||$3,728|
|Dodge Grand Caravan CV||$4,143|
|Ford Explorer XLT AWD||$4,150|
|Ford F-150 XL Crew Cab 4WD||$4,179|
|Ford Edge Limited 2WD||$4,340|
|Chevrolet Impala LS||$4,347|
|Ford Focus SE 4-Dr Sedan||$4,340|
|Toyota RAV4 4WD||$4,377|
|Chevrolet Malibu Hybrid||$4,387|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$4,413|
|Honda Odyssey EX-L||$4,608|
|Toyota Camry SE||$4,614|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$4,608|
|Nissan Altima 2.5 S 4-Dr Sedan||$4,618|
|Toyota Corolla S||$4,608|
|Chevrolet Silverado LTZ Crew Cab 4WD||$4,644|
|Jeep Grand Cherokee SRT-8 4WD||$4,653|
|Chevrolet Equinox LTZ 2WD||$4,644|
|Volkswagen Jetta SE 4-Dr Sedan||$4,654|
|GMC Sierra SLE Regular Cab 4WD||$4,644|
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in your specific San Antonio, TX location which can revise premiums noticeably.
Looking at the numbers, vehicles like the Ford Escape, Hyundai Elantra, Honda CR-V, and Toyota Prius are a few of the most economical vehicles to insure for a learners permit. Prices will be higher anyway just due to the fact that there is a higher risk for a school permit, but in general those makes and models will tend to have the best insurance prices that you'll find.
Finding out which company has the lowest-priced auto insurance rates for a school permit calls for a tad more effort than just picking a company at random. Every car insurance company has their own unique process for setting rates, so to begin we'll rank the auto insurance companies with the most affordable rates in San Antonio.
It's a good idea to know that Texas auto insurance rates are impacted by many factors that may substantially change the cost of your policy. Simply having a birthday, buying a different vehicle, or getting a DUI can trigger rate changes that can make some companies more affordable than before.
Cheap Insurance Rates for Students
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers has some of the cheapest car insurance rates in San Antonio at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the more affordable San Antonio, TX insurance companies.
In this example, if you currently have coverage with Germania Mutual and switched to USAA, you could earn an annual savings of in the vicinity of $210. Customers with Esurance could save as much as $323 a year, and California Casualty insureds might see rate reductions of $354 a year.
Remember that these policy prices are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for a school permit. So the insurer that is best for you may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own individual information.
Auto insurance company ratings
Ending up with a high-quality insurance company can be a challenge considering how many choices there are in Texas. The ranking data in the next section can help you select which insurers to look at when shopping around. These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in these rankings.
Top 10 Major Auto Insurers in San Antonio Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Responsible drivers pay cheaper auto insurance rates
The easiest method to get the best auto insurance prices in San Antonio for a learners permit is to drive cautiously and avoid traffic citations and accidents. The information below illustrates how traffic citations and at-fault fender-benders influence insurance premiums for different insured age categories. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance in San Antonio per year with no accidents and a clean driving record is $1,676. Get one speeding ticket and the average cost swells to $1,925, an increase of $249 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for a school permit jumps again to an average of $4,094. That's an increase of $2,418, or $202 per month, just for not driving responsibly!
The agents listed below are willing to answer your questions and help you decide which coverages are best, since some drivers aren't sure which coverage they need and prefer to have a professional recommendation when comparing insurance rates for a school permit. It can be time-consuming to find the cheapest rate yourself, so getting professional guidance from a licensed agent can bring peace of mind knowing your policy gives you enough protection. To find an auto insurance agency in your neighborhood, click the button after the list.
- Enrique Enriquez - State Farm Insurance Agent
8359 Perrin Beitel Rd - San Antonio, TX 78218 - (210) 967-8669
- Austin Riley - State Farm Insurance Agent
11726 Ste 102A, I-35 - San Antonio, TX 78233 - (210) 514-1120
- Trent Rosenkranz - State Farm Insurance Agent
1840 S General McMullen Dr #109 - San Antonio, TX 78226 - (210) 433-9000
How to find cheaper car insurance for a school permit
Here are some of the better thrifty suggestions that can help Texas drivers quote more affordable coverage.
- Higher deductibles save money
- Full coverage is expensive so only insure older vehicles for liability only
- Clean up your credit rating
- Accidents can significantly increase rates
- Safer vehicles cost less to insure
- Do not get traffic tickets
- Compare rate quotes often
That final tip is very valuable, as we noted in this article. Car insurance rates can be modified anytime, so don't be afraid to change insurance companies if a lower-cost policy is available.
Many consumers stick with the same company and that's fine, but is isn't recommended if that loyalty results in overpaying a small fortune year after year. It takes less than five minutes to shop around to find cheaper auto insurance for a school permit in San Antonio.