How Much are San Antonio Car Insurance Rates for High Mileage Drivers?

The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, especially when trying to find the lowest insurance rates for high mileage drivers. To help control this cost, let’s lead off by showing you a few of the things that can significantly affect insurance rates, and see if we can help you cut the cost of the next policy you buy.

Finding good, reasonably-priced auto insurance is confusing at best, and finding out which insurers offer the most affordable auto insurance rates for high mileage drivers involves additional perseverance. Every auto insurer uses their own calculation to establish rates, so to begin we’ll rank the most budget-friendly auto 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 $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,438
7 State Farm $1,465
8 Mercury $1,476
9 Safe Auto $1,549
10 Nationwide $1,585
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,775
14 GEICO $2,093
15 Home State $2,134
16 MetLife $2,183
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,421
20 Titan $2,646
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Travelers has some of the cheapest 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 would also make the list of some of the best San Antonio, TX car insurance companies.

As shown above, if you currently buy coverage from Texas Farm Bureau and switched to Travelers, you might see an annual premium reduction of upwards of $189. Insureds with Germania Mutual may save as much as $272 a year, and Esurance policyholders might reduce rates by $355 a year.

Remember that these policy prices are averaged for all drivers and vehicles in Texas and do not factor in a specific location for high mileage drivers. So the insurer that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The car, truck, or SUV requiring coverage is a significant factor that determines whether or not you find low-priced insurance for high mileage drivers. Vehicles with reasonable performance levels, advanced safety features, or a positive history of liability claims will cost less to insure than higher performance models.

The next table shows coverage costs for the cheapest vehicles to buy insurance for.

Cheapest Vehicles to Insure in San Antonio, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $955
Ford Escape Limited 2WD $978
Ford Explorer Eddie Bauer 2WD $1,070
Honda CR-V EX-L 2WD $1,105
Ford Focus S 4-Dr Sedan $1,107
Toyota RAV4 Sport 2WD $1,129
Honda Odyssey LX $1,145
Toyota Prius $1,160
Hyundai Elantra SE Touring Station Wagon $1,165
Toyota Tacoma 4WD $1,169
Kia Optima LX $1,211
Jeep Grand Cherokee Limited 2WD $1,221
Dodge Grand Caravan CV $1,213
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can revise price quotes noticeably.

Looking at the rates, we can expect makes and models like the Honda Accord, Ford Escape, and Ford Explorer will be the most budget-friendly vehicles to insure for high mileage drivers.

Does full coverage make sense?

Reducing premiums for auto insurance is probably important to most vehicle owners, and one of the fastest ways to buy cheap insurance for high mileage drivers is to not buy comprehensive and collision coverage. The example below shows the comparison of insurance premiums with full physical damage coverage compared to only buying liability only. The premium estimates are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are taken into consideration.

On average, comp and collision coverage costs an additional $2,181 per year more than just buying liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no definitive guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some conditions where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Reckless driving habits raise San Antonio auto insurance rates

The common sense way to enjoy low auto insurance rates in San Antonio for high mileage drivers is to drive attentively and avoid at-fault accidents and violations. The diagram below illustrates how violations and fender-benders raise car insurance rates for different age categories. The premiums are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

The chart shows that the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,974. Receive one speeding ticket and the average cost swells to $3,350, an increase of $376 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for high mileage drivers goes up to an average of $4,418. That’s an increase of $1,444, or $120 per month, just for not driving attentively!

The diagram below illustrates how your deductible choice can change insurance costs when researching cheap insurance for high mileage drivers. The prices are based on a married male driver, comp and collision included, and no discounts are applied.

A 40-year-old driver could lower their car insurance rates by $358 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $540 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, can save $1,206 or more just by choosing higher deductibles. If you do raise deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.