Who Has the Cheapest Auto Insurance Rates for State Employees in San Antonio?

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Finding good, cheap car insurance is not easy, and deciding which companies quote the cheapest car insurance rates for state employees may require even more perseverance. Each auto insurance company uses a little different formula for setting prices, so let's rank the overall cheapest car insurance companies in San Antonio.

Keep in mind that Texas car insurance rates are calculated based on many things that can increase the cost of having a policy. Taking a driver safety course, buying a different home, or getting caught speeding may cause policy rate changes resulting in some rates now being more expensive than others.

Best Auto Insurance Prices in Texas

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,396
7 Mercury $1,476
8 State Farm $1,495
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,718
13 Amica $1,723
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,183
17 Encompass $2,301
18 Unitrin $2,310
19 21st Century $2,396
20 Titan $2,568
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Travelers quotes some of the cheapest car insurance rates in San Antonio at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper San Antonio, TX insurance companies.

In the above example, if you are a policyholder with Germania Mutual and switched to Travelers, you could realize savings of upwards of $242. Insureds with Esurance may save as much as $313 a year, and California Casualty customers might realize rate reductions of up to $344 a year.

Understand that those policy prices are averaged for all insureds and vehicles and do not factor in an exact zip code location for state employees. So the auto insurance company that has the lowest price for you may not even be in the list above. That is why you need to get auto insurance quotes using your own individual information.

One of the many components that help determine the amount you pay for auto insurance is where you call home in San Antonio. Regions with larger populations or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The table below shows the most expensive places in Texas for state employees to purchase car insurance in. San Antonio is ranked #15 with an annual cost of $1,671 for the average insured, which is around $139 each month.

How much is auto insurance in San Antonio, TX?
Rank City Annual Premium
1 McAllen $2,016
2 Brownsville $1,908
3 Houston $1,891
4 Dallas $1,855
5 Laredo $1,851
6 Amarillo $1,840
7 Garland $1,832
8 Pasadena $1,812
9 Mesquite $1,807
10 Beaumont $1,754
11 Grand Prairie $1,740
12 Irving $1,736
13 Arlington $1,692
14 Lubbock $1,682
15 San Antonio $1,671
16 Fort Worth $1,653
17 Austin $1,627
18 McKinney $1,609
19 Plano $1,608
20 Carrollton $1,598
21 Corpus Christi $1,588
22 El Paso $1,584
23 Waco $1,584
24 Abilene $1,561
25 Killeen $1,533
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Price information shown is estimated as specific location information can raise or lower prices greatly.

The vehicle model that needs insurance is one of the largest factors when comparison shopping for economical coverage for state employees. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models. The table below outlines car insurance prices for a handful of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,085
Ford F-150 XL Super Cab 2WD $1,166
Toyota Tacoma 4WD $1,190
Ford Edge SEL AWD $1,232
Chevrolet Malibu Hybrid $1,255
Ford Escape XLS 2WD $1,300
Hyundai Elantra SE 4-Dr Sedan $1,321
Chevrolet Impala LTZ $1,329
Toyota Camry SE $1,321
Chevrolet Equinox LTZ AWD $1,346
Ford Focus SE 4-Dr Sedan $1,412
Hyundai Sonata SE 4-Dr Sedan $1,422
Ford Fusion Sport AWD 4-Dr Sedan $1,435
Kia Optima SX $1,437
Toyota RAV4 Limited 4WD $1,440
Chevrolet Silverado LS Extended Cab 4WD $1,449
Toyota Prius $1,444
Dodge Ram 2500 Mega Cab SLT 4WD $1,461
Ford Explorer Eddie Bauer AWD $1,466
Honda Odyssey Touring $1,540
Nissan Altima 3.5 SR 4-Dr Sedan $1,545
Jeep Grand Cherokee SRT-8 4WD $1,540
Dodge Grand Caravan Crew $1,573
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can increase or decrease price quotes significantly.

Looking at the rates, you can conclude that models like the Honda CR-V, Ford F-150, and Toyota Tacoma are some of the cheapest vehicles to insure for state workers.

Which car insurance company is best in San Antonio?

Ending up with the highest-rated insurer is difficult considering how many companies are available to choose from in San Antonio. The information in the lists below can help you choose which companies to look at when comparing auto insurance rates for state employees. The ratings below are only comprised of the largest companies in America, so companies that have a smaller presence are not included in these rankings.

Best Ten Car Insurance Companies for State Employees in San Antonio
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
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Data Source: Insure.com Best Car Insurance Companies

Difference between liability only and full coverage rates

Finding the cheapest car insurance is important to most vehicle owners, and one great way to find cheap insurance for state employees is to buy liability only. The example below illustrates the difference between annual premium costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied.

If the expense is averaged for all age categories, full coverage costs an additional $2,181 per year more than insuring for liability only. That is a large expense which might make you wonder if you should buy full coverage. There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

Why you should compare rates

San Antonio, TX car insurance rates are influenced by many factors that may substantially change the policy price. Simply getting older, having a claim, or getting a speeding ticket can produce rate changes resulting in some companies being affordable when they were higher priced. In addition, auto insurance companies file new Texas auto insurance rates as often as every quarter to adjust for unexpected claims or profits. Higher than usual claims may result in higher priced premiums, while a better loss history may produce more affordable San Antonio car insurance rates.

The chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her personal risk profile, Travelers may have the cheapest car insurance rates in San Antonio at $1,193 each year. This is $711 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the top five cheapest San Antonio, TX auto insurance companies.

In this next rate comparison, we will give the driver in the first chart a claim, bad credit, and a traffic ticket or two. Due to the fact that every insurance company uses a different method to determining premium rates, analyzing rate quotes may now show a different list of the cheapest San Antonio car insurance companies as shown below.

Mercury now has the cheapest auto insurance in San Antonio, TX with State Farm, Safe Auto, Nationwide, and USAA also being competitive. This example shows why consumers need to take the time to compare rates to get affordable car insurance rates for state employees.

Auto insurance prices can be altered by many factors and change substantially, so the best company six months ago may now be one of the more expensive options.