Who Has the Cheapest Auto Insurance for Drivers with Good Credit in San Antonio?

The words “cheap” and “insurance” really shouldn’t be used in the same sentence, in particular when comparison shopping for the best insurance rates for drivers with good credit. Let’s introduce you to some of the factors that significantly impact insurance rates, and see if we can help you lower the price of the next policy you buy.

For financially responsible drivers, one of the more important considerations that are looked at to help calculate the price you pay for insurance is where your car is garaged in San Antonio. Regions with larger populations or more claims will most likely pay more, whereas areas with less congestion can boast about having cheaper rates.

The illustration below rates the most expensive cities in Texas for drivers with good credit to purchase auto insurance in. San Antonio is listed at #14 having an annual price of $1,688 for the average insured, which is approximately $141 monthly.

How much is car insurance in San Antonio?
Rank City Premium Per Year
1 McAllen $1,956
2 Dallas $1,911
3 Brownsville $1,908
4 Laredo $1,851
5 Garland $1,850
6 Houston $1,835
7 Mesquite $1,807
8 Irving $1,789
9 Amarillo $1,786
10 Beaumont $1,772
11 Pasadena $1,758
12 Grand Prairie $1,757
13 Lubbock $1,716
14 San Antonio $1,688
15 Arlington $1,658
16 Carrollton $1,647
17 Austin $1,610
18 Fort Worth $1,604
19 Corpus Christi $1,588
20 Waco $1,584
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Premium costs are approximated as vehicle location can revise coverage prices significantly.

The type of vehicle that is being insured is one of the main factors that determines the availability of cheaper auto insurance for drivers with good credit. Vehicles with lower acceleration and performance, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than high performance models.

The information below ranks insurance prices for a handful of the more affordable vehicles to insure.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,003
Honda CR-V LX 4WD $1,010
Toyota Prius $1,109
Ford F-150 XL Super Cab 4WD $1,125
Honda Accord EX 4-Dr Sedan $1,148
Chevrolet Impala LS $1,164
Toyota Camry LE $1,187
Hyundai Elantra Blue 4-Dr Sedan $1,228
Toyota Corolla S $1,250
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,273
Ford Explorer XLT AWD $1,289
Ford Edge SEL 2WD $1,337
Toyota Tacoma 2WD $1,345
Honda Odyssey EX W/Rear Entertainment $1,337
Volkswagen Jetta SE 2.5 Station Wagon $1,341
Dodge Grand Caravan Crew $1,387
Dodge Ram 2500 Mega Cab Laramie 2WD $1,421
Nissan Altima 3.5 SR 2-Dr Coupe $1,428
Chevrolet Malibu LS $1,455
Toyota RAV4 Limited 2WD $1,461
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in your specific San Antonio, TX location which can raise or lower auto insurance rates considerably.

By looking at the data, we can conclude that models like the Ford Escape, Honda CR-V, Toyota Prius, and Ford F-150 are going to be some of the cheapest vehicles to insure for financially responsible drivers.

How to get discounts on San Antonio insurance rates

Cheaper San Antonio, TX auto insurance for financially responsible driversInsurance companies that provide coverage for drivers with good credit may have price discounts that can lower rates by 25% or more if you are eligible for them. The best auto insurance companies and a partial list of their discounts are:

The illustration below illustrates the difference between yearly insurance costs with and without discounts applied. The premiums assume a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, homeowner, multiple policy, anti-theft, vehicle safety, and safe-driver discounts applied. When discounts are factored in, theamount saved on auto insurance for drivers with good credit is 28% or $717.

Full coverage rates vs. liability-only

Saving on auto insurance is important to most people, and one easy way to save on the cost of insurance for drivers with good credit is to not buy comprehensive and collision coverage. The example below illustrates the difference between insurance costs with and without physical damage coverage. The premiums are based on no claims or violations, $500 deductibles, marital status is single, and no discounts are applied to the premium.

If the expense is averaged for all age categories, physical damage insurance costs $2,393 per year more than just buying liability only. At some point, almost every driver questions if buying full coverage is worth the money. There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s say your vehicle’s replacement cost is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,500 after paying your policy deductible. If it’s costing you more than $550 annually for physical damage coverage, then it might be time to buy liability only.

There are some situations where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Which auto insurance company is best in Texas?

Finding the top car insurance provider can be challenging considering how many choices drivers have in Texas. The company information shown next may help you decide which coverage providers you want to consider when shopping insurance around for drivers with good credit.

The rankings below are only made up of companies with a national presence, so companies that only write business in Texas or surrounding areas will not be included in this list. To check prices from these top-rated insurers and more, simply click here.

San Antonio, TX Auto Insurance Company 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
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

The insurance agencies listed below are willing to help you determine which insurance coverage you need, as lots of people like to get some help when buying car insurance for financially responsible drivers. It can be time-consuming to find coverage yourself, so getting advice from a licensed agent can provide comfort knowing your coverage gives you enough protection. To locate a San Antonio car insurance agency nearest to you, click the button below the list.

A.R.M. Insurance Agency
1534 W Contour Dr #101San Antonio, TX 78212(210) 828-7873

State Farm: John Pitre
825 W Bitters Rd #105San Antonio, TX 78216(210) 514-1083

Jaime Luna – State Farm Insurance Agent
9719 Poteet Jourdanton Fwy Ste 103San Antonio, TX 78211(210) 927-5862

Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150San Antonio, TX 78216(210) 738-3537

Jacqui Lugar – State Farm Insurance Agent
1248 Austin Hwy Ste. 202San Antonio, TX 78209(210) 822-2121

Find a San Antonio, TX insurance agent near you

How to find budget-friendly insurance for drivers with good credit

The list below summarizes a few penny-pinching suggestions that can help San Antonio drivers locate lower-cost auto insurance.

The last idea is very necessary, as we noted in this piece. Auto insurance prices in San Antonio change frequently, so don’t be tentative to switch carriers if you can find a cheaper rate.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty ends up costing lots of hard earned cash every month. It only takes a couple minutes to compare prices to find cheaper insurance for drivers with good credit.