How Much is San Antonio Auto Insurance for High School Students?

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The words "cheap" and "insurance" really shouldn't be used together, specifically when you are trying to find the lowest insurance rates for high school students. To help control this cost, let's learn about some of the things that influence car insurance premiums, and find a few ways to take a little off the next policy you buy.

Deciphering which companies offer the cheapest insurance rates for high school students calls for a bit more effort in order to find a policy that fits your budget. Every car insurance company uses a different method for setting prices, so let's rank the insurance companies with the overall cheapest rates in Texas.

It's important that you understand San Antonio insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, having a teen driver, or getting a reckless driving citation can cause premium changes that may make certain companies more affordable than the competition.

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Travelers may have some of the cheapest car insurance rates in San Antonio at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the more affordable San Antonio, TX auto insurance companies.

As illustrated above, if you are insured with Texas Farm Bureau and switched to Travelers, you could see an annual savings of in the neighborhood of $194. Policyholders with Germania Mutual might save as much as $253 a year, and California Casualty customers might see rate reductions of $341 a year.

Be aware that those estimates are averages for all ages of drivers and types of vehicles and and are not figured with a vehicle location for high school students. So the auto insurance company that is most affordable for your situation may not even be in the list above. That's why you need to get quotes using your own specific driver and vehicle information.

For teenagers, one of the big factors that are looked at to help calculate the annual cost of car insurance is where you live. Cities with larger populations or higher claim trends likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.

The information below shows the most costly cities in Texas for high school students to purchase car insurance in. San Antonio comes in at #13 with an annual cost of $1,722 on average, which is approximately $144 per month.

How much is auto insurance in San Antonio, TX?
Rank City Annual Premium
1 McAllen $2,016
2 Brownsville $1,851
3 Laredo $1,851
4 Dallas $1,837
5 Houston $1,835
6 Garland $1,832
7 Pasadena $1,812
8 Irving $1,789
9 Amarillo $1,786
10 Beaumont $1,772
11 Mesquite $1,771
12 Grand Prairie $1,740
13 San Antonio $1,722
14 Austin $1,676
15 Lubbock $1,665
16 Fort Worth $1,653
17 Arlington $1,642
18 Corpus Christi $1,636
19 McKinney $1,625
20 El Paso $1,616
21 Plano $1,608
22 Carrollton $1,598
23 Waco $1,584
24 Abilene $1,545
25 Killeen $1,533
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Rates are approximated as zip code location can revise rates greatly.

The vehicle you are seeking coverage for is probably the biggest factor when trying to find cheaper car insurance for high school students. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The data below illustrates auto insurance rates for a selection of the more affordable vehicles to insure in Texas.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $4,650
Ford Escape Limited 4WD $4,933
Honda Accord EX-L 4-Dr Sedan $4,939
Toyota Prius $4,976
Ford F-150 STX Regular Cab 2WD $5,130
Toyota Tacoma 4WD $5,176
Ford Edge SE AWD $5,413
Ford Focus SE 4-Dr Sedan $5,418
Chevrolet Impala LS $5,413
Chevrolet Malibu Hybrid $5,459
Toyota RAV4 Limited 4WD $5,469
Jeep Grand Cherokee Laredo 2WD $5,459
Dodge Grand Caravan SXT $5,503
Ford Explorer Limited 4WD $5,509
Jeep Wrangler Unlimited Sport 2WD 4-Dr $5,735
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Prices based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can raise or lower price quotes noticeably.

Looking at the numbers, you can figure that models like the Honda CR-V, Ford Escape, Honda Accord, and Toyota Prius are most likely to be some of the less-costly vehicles to insure for teenagers. The cost of auto insurance will be more costly just because there is more liability risk for high school students, but overall those vehicles will tend to have the best insurance prices that you'll find.

Discounts on San Antonio auto insurance rates

Save on insurance for teenagers in San AntonioInsurance companies that offer cheap quotes for high school students may also give you special discounts that may potentially lower prices by as much as 35% or more if you qualify. A few of the larger companies and their offered discounts are outlined below.

The diagram below illustrates the difference between insurance prices with and without discounts applied to the premium. The data assumes a male driver, no violations or claims, Texas state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, continuous coverage, paid-in-full, good student, paperless filing, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on insurance for high school students is 28% or $658.

Buying coverage from the top insurance provider can be a challenge considering how many choices there are in Texas. The ranking information in the next section can help you select which insurers to look at when looking for cheaper rates. These ratings are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Companies 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

Ideas to find cheaper auto insurance for high school students

The list below summarizes some money-saving suggestions that can help you quote cheaper auto insurance.

The last idea is highly crucial, as we stressed in the prior information. Rates vary greatly, so don't be tentative to change to a new company if a more affordable price is available. Loyalty to a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you money that could be going to better use. It only take a few minutes to compare rates and find cheaper auto insurance for high school students in San Antonio.