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

Locating budget car insurance is difficult, and figuring out which company has the most affordable car insurance rates for high risk drivers takes a little more work. Every car insurance company has a different process for filing rates in each state, so let’s begin by examining the most affordable car insurance companies in San Antonio, TX.

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,407
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,476
9 Safe Auto $1,565
10 Nationwide $1,585
11 Allstate $1,667
12 Progressive $1,698
13 Amica $1,705
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,227
17 Encompass $2,324
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,672
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Travelers may offer some of the most affordable car insurance rates in San Antonio at around $1,052 a year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the best San Antonio, TX insurance companies.

As shown in the table above, if you are insured with Esurance and switched to USAA, you could realize savings of about $323. Policyholders with California Casualty may save as much as $354 a year, and State Farm insureds might see rate reductions of $366 a year.

Understand that those estimates are averages for all drivers and vehicles and are not factoring in an exact location for high risk drivers. So the car insurance company that can offer you the best price may not even be in the top 23 companies in the list above. That affirms the importance of why you need to quote rates from many companies using your own personal information and vehicle type.

One of the more important criteria that are looked at to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in San Antonio. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The illustration below shows the highest-priced places in Texas for high risk drivers to buy an auto insurance policy in. San Antonio ranks #13 with an annual cost of $1,739 for the average policy, which is around $145 each month.

How much is car insurance in San Antonio?
Rank City Annual Premium
1 McAllen $2,016
2 Houston $1,909
3 Laredo $1,889
4 Amarillo $1,858
5 Brownsville $1,851
6 Dallas $1,837
7 Garland $1,832
8 Mesquite $1,825
9 Pasadena $1,812
10 Irving $1,789
11 Beaumont $1,772
12 Grand Prairie $1,757
13 San Antonio $1,739
14 Fort Worth $1,670
15 Lubbock $1,665
16 Arlington $1,642
17 El Paso $1,632
18 Austin $1,627
19 Corpus Christi $1,620
20 Carrollton $1,598
21 Waco $1,584
22 McKinney $1,561
23 Plano $1,560
24 Killeen $1,518
25 Abilene $1,515
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Rate information is estimated as vehicle location can impact rates noticeably.

The car, truck, or SUV that is being insured is a large factor in finding low-cost auto insurance for high risk drivers. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models.

The next table estimates insurance premiums for a selection of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Antonio, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $3,607
Honda Accord LX 4-Dr Sedan $3,719
Ford Escape XLS 4WD $3,759
Jeep Wrangler Sport Islander Package 4WD 2-Dr $4,039
Toyota Prius $4,050
Toyota RAV4 Limited 2WD $4,274
Chevrolet Malibu LT $4,315
Ford Explorer Eddie Bauer AWD $4,325
Toyota Tacoma Double Cab 4WD $4,315
Dodge Grand Caravan SXT $4,320
Chevrolet Impala LS $4,399
Ford Edge SE AWD $4,406
Chevrolet Equinox LT AWD $4,447
Volkswagen Jetta LE 4-Dr Sedan $4,454
Toyota Camry SE $4,470
Hyundai Elantra GLS 4-Dr Sedan $4,476
Dodge Ram 3500 Crew Cab ST 2WD $4,592
Nissan Altima 2.5 S 4-Dr Sedan $4,610
Honda Odyssey EX-L $4,640
Toyota Corolla S $4,645
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Premium data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate information does not factor in zip code location which can influence premium rates noticeably.

Based upon these rates, you can expect vehicles like the Honda CR-V, Honda Accord, Ford Escape, and Jeep Wrangler will be a few of the less-costly vehicles to insure for high risk drivers. The price for an auto insurance policy will be higher anyway just due to the fact that there is more liability exposure for high risk drivers, but overall those specific models will probably have the best insurance prices compared to other types of vehicles.

Picking a high-quality insurance provider can be difficult considering how many different insurance companies sell coverage in San Antonio. The company ratings shown below can help you decide which providers to look at when comparing rate quotes.

These ratings are only comprised of the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for the list. If you wish to compare prices from these and other competitive companies, click this link.

Top 10 Major Auto Insurers in San Antonio Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Major Auto Insurers in San Antonio Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Cost difference between full coverage and liability

Saving on car insurance is important to most people, and a good way to find cheap insurance for high risk drivers is to not pay for full coverage. The example below compares auto insurance rates when comparing full coverage to liability only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.

If we average the cost for all age groups, physical damage coverage costs an additional $2,393 per year more than just buying liability only. That is a big expense that brings up the question if paying for full coverage is worth it. There is no set rule of when to phase out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

There are a few situations where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Poor driving habits will raise your car insurance rates

The common sense way to get affordable car insurance premiums in San Antonio for high risk drivers is to be a careful driver and avoid accidents and traffic violations. The chart below illustrates how violations and at-fault fender-benders can raise insurance premiums for each age group. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

The data above shows the average cost of a car insurance policy in Texas per year with no accidents or violations is $1,682. Add in one speeding ticket and the average cost hikes up to $1,957, an increase of $275 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for high risk drivers jumps again to an average of $2,732. That’s an increase of $1,049, or $87 per month, just for not being attentive to the road!

How to find cheaper auto insurance for high risk drivers

It is possible to find better rates, and here are a few thrifty solutions that can help you find cheaper coverage.

The final tip is extraordinarily important, as we emphasized in the prior information. Insurance prices vary greatly, so drivers shouldn’t be resistant to switch companies if you can find a cheaper rate.

We understand brand loyalty, but it’s not recommended if that inflexibility results in costing you a considerable chunk of change every month. It only takes a couple minutes to compare rates and find cheaper insurance for high risk drivers in San Antonio.

The auto insurance agents in San Antonio shown below are a good start to answer your questions and help you decide which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when comparing insurance rates for high risk drivers. It can be challenging to do it yourself, so getting advice from a licensed agent can add peace of mind knowing your coverage gives you enough coverage when you need it. To locate an agency nearest to you, click the button following the list or click here to compare price quotes now.

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