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

The make and model of vehicle requiring coverage is one of the largest factors in finding the most affordable coverage for inexperienced drivers. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than more modest models.

The information below ranks coverage premiums for some of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Antonio, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,085
Ford Edge SE 2WD $1,167
Toyota Prius $1,176
Chevrolet Silverado LT Extended Cab 4WD $1,256
Volkswagen Jetta S 4-Dr Sedan $1,266
Chevrolet Equinox LS AWD $1,256
Chevrolet Malibu LT $1,281
Hyundai Elantra SE Touring Station Wagon $1,321
Honda Odyssey EX-L $1,326
Ford Escape XLT 4WD $1,333
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,391
Chevrolet Impala LS $1,412
Toyota Camry Hybrid $1,438
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can raise or lower prices considerably.

Based on these rates, you can see that cars like the Honda CR-V, Ford Edge, Toyota Prius, Chevrolet Silverado, and Volkswagen Jetta are likely to be some of the most budget-friendly vehicles to insure for new drivers.

For new drivers, one of the big factors that help determine the annual cost of car insurance is where you live in San Antonio. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The following table sorts the most expensive places in Texas for inexperienced drivers in which to purchase auto insurance. San Antonio makes the list at #11 with an annual premium of $1,739 for car insurance, which is around $145 per month.

How much is car insurance in San Antonio?
Rank City Premium Per Year
1 McAllen $1,996
2 Brownsville $1,927
3 Dallas $1,893
4 Houston $1,853
5 Laredo $1,851
6 Garland $1,850
7 Amarillo $1,840
8 Mesquite $1,807
9 Grand Prairie $1,793
10 Pasadena $1,758
11 San Antonio $1,739
12 Irving $1,736
13 Beaumont $1,720
14 Arlington $1,709
15 Lubbock $1,682
16 Austin $1,676
17 Fort Worth $1,621
18 McKinney $1,609
19 Carrollton $1,598
20 Corpus Christi $1,572
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Premium amounts are approximated as the specific area where the vehicle is garaged can affect insurance rates considerably.

How to get discounts on San Antonio auto insurance rates

Discounts on insurance for inexperienced driversInsurers that offer cheap quotes for inexperienced drivers may also provide special discounts that may potentially lower prices by 35% or more if you qualify. Larger insurance companies and a partial list of their discounts include:

The diagram below compares insurance prices with and without discounts applied to the premium. The premiums assume a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, passive restraint, accident-free, multiple vehicle, vehicle safety, and marriage discounts applied. With discounts applied, theaverage yearly reduction on insurance for inexperienced drivers is 28% or $645.

Rate comparison of full coverage and liability-only

Finding the cheapest insurance is the goal of most people, and one common way to lower the cost of insurance for inexperienced drivers is to not buy comprehensive and collision coverage. The illustration below illustrates the comparison of insurance rates with liability coverage only compared to full coverage. The information is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.

If we average the cost for all age groups, full coverage costs $1,793 per year over and above liability only. That raises the question if physical damage coverage is worth the money. There is no set guideline of when to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s replacement cost is $11,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $10,000 after you pay the deductible. If you are currently paying more than $1,000 annually for physical damage coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Compare quotes and save

San Antonio, TX insurance rates are calculated based on many things that control the price of coverage. Simply getting older, adding a teenager to your policy, or getting a ticket for careless driving may generate price changes resulting in some companies being affordable when they were higher priced.

Not only may your risk profile change, but car insurance companies change prices as often as every three months in order to offset underwriting gains or losses. Heavy losses may result in increased policy costs, while lower claim levels may produce lower-priced San Antonio car insurance rates.

For instance, the chart below shows which company has the cheapest car insurance in San Antonio, TX for a 45-year-old female driver with a clean driving record, no accidents, and a good credit history. When comparing rates based on her personal risk profile, Travelers has the lowest car insurance rates in San Antonio at $1,229 each year. This is $675 less than the average price paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance round out the rest of the cheapest San Antonio, TX auto insurance companies.

Let’s now give the driver from above a chargeable accident, a little lower credit rating, and a few blemishes on her driving record. Since each auto insurer has a proprietary method to set policy rates, analyzing rates could now result in a significantly different list of affordable San Antonio car insurance companies as shown below.

Mercury now has the best insurance rate in San Antonio, TX with State Farm, USAA, Safe Auto, and Nationwide now being in the top five. This illustrates why San Antonio drivers need to compare rates to get the most economical car insurance rates for inexperienced drivers.

Insurance prices are influenced by many things and can change substantially, so the most affordable company the last time you compared rates may now be one of the higher cost companies.

If you like to have a consultation when shopping for the best coverage for inexperienced drivers, the agents below can most likely help you determine which coverages are best.

To locate a San Antonio auto insurance agent using an interactive map, click the link at the bottom.

More San Antonio, TX insurance agents