You have probably watched the captivating commercials from companies like The General, Allstate, and Farmers that make promises of the cheapest price. So drivers should just pick one at random, right?
It’s just not that easy, however, as there are a whole bunch of unknown aspects like the area you live in, if you are currently insured, and the deductible level you need. The information below covers the types of situations that result in high rates and will hopefully give the reader a good beginning to your quest for cheaper car insurance.
Determining which companies have the cheapest car insurance rates for drivers with a DUI may require a little more sweat in order to find the best price. Every insurance provider has their own unique process to set their prices, so we need to take a look at the car insurance companies with the overall cheapest rates in San Antonio.
Compare Cheap Insurance Quotes after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,407 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
| View More Rates Go | ||
Travelers may have some of the most affordable car insurance rates in San Antonio at around $1,052 per year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the best San Antonio, TX car insurance companies.
As the rates illustrate above, if you have coverage with USAA and switched to Travelers, you might achieve a yearly price reduction of around $32. Insureds with Texas Farm Bureau may save as much as $159 a year, and Germania Mutual policyholders might lower prices by $192 a year.
If you want to find out if you’re overpaying, click here to get quotes or visit any of the companies below.
Understand that those prices are averages across all drivers and vehicles in Texas and and are not figured with an exact vehicle garaging location for drivers with a DUI. So the insurer that has the lowest price for you may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver and vehicle information.
The type of vehicle driven is one of the main factors when comparing the cheapest auto insurance for drivers with a DUI. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models. The list below estimates insurance rates for a selection of the cheapest vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,391 |
| Honda CR-V LX 4WD | $1,400 |
| Ford Escape XLT 4WD | $1,422 |
| Ford F-150 STX Super Cab 2WD | $1,524 |
| Ford Edge Limited 2WD | $1,618 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,629 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,635 |
| Toyota RAV4 Limited 4WD | $1,649 |
| Honda Accord EX-L 4-Dr Sedan | $1,657 |
| Ford Explorer Eddie Bauer AWD | $1,680 |
| Toyota Prius | $1,687 |
| Dodge Grand Caravan CV | $1,707 |
| Jeep Grand Cherokee Laredo 2WD | $1,760 |
| GMC Sierra SLE Crew Cab 2WD | $1,770 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,772 |
| Start a Quote Go | |
Table data represents single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in San Antonio, TX location which can revise prices noticeably.
Looking at the numbers, vehicles like the Hyundai Elantra, Honda CR-V, Ford Escape, Ford F-150, and Ford Edge are going to be the less-costly vehicles to insure after getting a DUI. Prices will be more expensive just because there is more claim risk for drivers with a DUI, but generally speaking those specific models will tend to have the cheapest auto insurance rates that you are likely to find.
Comparison of full coverage and liability-only policies
Paying a lower price for car insurance is the goal of the majority of vehicle owners, and a good way to find cheaper insurance for drivers with a DUI is to not insure for full coverage. The information below illustrates the difference between insurance rates when comparing full coverage to liability only. The information is based on a clean driving record, no claims, $100 deductibles, single marital status, and no additional discounts are factored in.
As an overall average, physical damage coverage costs an additional $2,922 per year more than just insuring for liability. That raises the question if paying for full coverage is a waste of money. There isn’t a steadfast formula to stop buying comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your vehicle’s claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $2,000 after paying your deductible. If you are currently paying more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
Buying coverage from the top auto insurance company can be rather challenging considering how many different companies there are to choose from in San Antonio. The ranking information shown below could help you analyze which car insurance companies you want to consider when trying to find cheaper insurance for drivers with a DUI.
The rankings below are for companies with a nationwide focus, so companies without a large exposure are not factored into these rankings. To compare prices from these top-rated insurers and more, click here.
Top 10 Major Auto Insurance Providers in San Antonio Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
The example below demonstrates how choosing different deductibles can impact insurance costs when trying to find cheap insurance for drivers with a DUI. The rates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
A 50-year-old driver could lower rates by $302 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by using a $1,000 deductible. Even younger drivers, like the Age 20 category, could save as much as $766 annually just by choosing higher deductibles. If you do decide to increase your deductibles, it will be important to have additional funds squirreled away to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.