Who Has the Cheapest Car Insurance Rates for Good Drivers in San Antonio?

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when comparison shopping for the best price on coverage for good drivers. In an attempt to save some money, let’s start the ball rolling by going over some situations that have a considerable impact on insurance prices, and see if you can slash the price of the next policy you buy.

The car, truck, or SUV that needs insurance is a significant factor that determines if you can find the most economical coverage for good drivers. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models. The data below illustrates coverage premiums for a handful of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in San Antonio, TX
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $981
Hyundai Elantra GLS Touring Station Wagon $990
Honda CR-V EX-L 4WD $1,001
Toyota Prius $1,086
Dodge Grand Caravan CV $1,095
Ford Escape XLT 2WD $1,101
Toyota Tacoma 2WD $1,137
Honda Odyssey EX W/Rear Entertainment $1,147
Jeep Wrangler Sport 4WD 2-Dr $1,153
Chevrolet Impala LT $1,157
Chevrolet Malibu LT $1,179
Ford Explorer XLT 2WD $1,195
Kia Optima LX $1,240
Ford F-150 XL Super Cab 4WD $1,242
Ford Fusion Sport 4-Dr Sedan $1,251
Honda Civic Hybrid 4-Dr Sedan $1,242
Volkswagen Jetta 2.0T 4-Dr Sedan $1,252
Toyota Camry LE $1,264
Chevrolet Equinox LT 2WD $1,269
Toyota RAV4 Sport 4WD $1,264
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can revise premium rates considerably.

Looking at the numbers, vehicles like the Honda Accord, Hyundai Elantra, and Honda CR-V will be some of the less-costly vehicles to insure for safe drivers.

Finding out which companies offer the cheapest auto insurance rates for good drivers calls for a little more work than just getting one or two price quotes. Each company has a proprietary method for determining rates, so let’s examine the auto insurance companies with the overall best prices in San Antonio.

Cheapest Insurance Rates for Good Drivers

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,438
7 Mercury $1,461
8 State Farm $1,495
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,775
14 Home State $2,134
15 GEICO $2,135
16 MetLife $2,183
17 Encompass $2,232
18 Unitrin $2,264
19 21st Century $2,494
20 Titan $2,594
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Travelers generally has some of the best car insurance rates in San Antonio at around $1,010 annually. This is $894 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the more affordable San Antonio, TX car insurance companies.

As illustrated above, if you currently have coverage with Germania Mutual and switched to USAA, you might realize yearly savings of roughly $210. Insureds with Esurance may save as much as $337 a year, and California Casualty insureds might see rate reductions of $354 a year.

To see if your current coverage is too expensive, click here to start your custom quote or quote prices from the following companies.

These rates are averages for all insureds and vehicles and do not factor in a specific zip code for good drivers. So the car insurance company that has the cheapest rates for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get quotes using your own personal information and vehicle type.

Best auto insurance in San Antonio

Picking the best insurer is hard considering how many companies are available to choose from in Texas. The ranking data displayed below could help you choose which car insurance providers to look at when shopping insurance around for good drivers. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller companies are not included in these rankings.

Top 10 Major Auto Insurance Providers Overall in San Antonio

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Major Auto Insurance Providers in San Antonio Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Price comparison of only insuring for liability

Reducing the cost of auto insurance is probably important to most drivers, and one great way to find cheap insurance for good drivers is to not insure for full coverage. The illustration below illustrates the comparison of auto insurance rates when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

If we average the cost for all age groups, physical damage insurance costs an additional $1,730 per year over and above liability only. That amount may make you wonder if you should buy full coverage. There is no definitive rule for eliminating physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your vehicle’s book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after you pay the deductible. If you are paying in excess of $200 a year for full coverage, then you may want to consider only buying liability coverage.

The benefit of shopping around

San Antonio, TX auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of your policy. Improving your credit rating, adding a teenager to your policy, or getting a DUI can cause premium changes that can now make some companies more affordable than others. And not only may your rating factors change, but companies modify rates as needed to ensure their profitability. Larger than normal claims may result in more expensive prices, while a profitable period may produce lower-cost San Antonio car insurance rates.

For example, the data below shows a variety of companies that have the cheapest car insurance in San Antonio, TX for a 40-year-old female driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on her current risk profile, Travelers has the best car insurance rates in San Antonio at $1,138 each year. This is $766 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest San Antonio, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison an accident claim, a lower credit rating, and a few traffic violations. Because each company uses their own calculation for filing rates in each state, getting updated rate quotes may now result in a slightly different list of the cheapest San Antonio car insurance companies as shown below.

Mercury now has the lowest price on auto insurance in San Antonio with State Farm, Nationwide, Safe Auto, and USAA now rounding out the top five. This demonstrates why Texas drivers need to compare lots of rates to find the most economical insurance rates for good drivers. Insurance prices are made up of many risk factors and change dramatically, so the cheapest rate a year ago may now cost much more than other companies.

How to find more affordable car insurance for good drivers

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help San Antonio drivers locate lower-cost coverage.

The last suggestion is remarkably critical, as was discussed in the article above. Coverage prices fluctuate constantly, so don’t hesitate to change to a new company if you can save money.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if that devotion results in you overpaying a lot of money every month. It only take a few minutes to compare rates to find cheaper car insurance for good drivers in San Antonio.

If you like to get some guidance when comparing insurance rates for safe drivers, the agents shown below can most likely help you decide which coverage meets your needs best. To locate an agency closest to you, click the button below the list.

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