For using your car for business, one of the largest components that aid in calculating the cost of insurance is where you live. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with less congestion benefit from lower rates.
The information below lists the most expensive areas in Texas for business use to purchase auto insurance in. San Antonio ranks #14 with an annual cost of $1,671 for the average policyholder, which is about $139 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Brownsville | $1,851 |
| 3 | Laredo | $1,851 |
| 4 | Dallas | $1,837 |
| 5 | Houston | $1,835 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,804 |
| 9 | Pasadena | $1,794 |
| 10 | Grand Prairie | $1,757 |
| 11 | Beaumont | $1,754 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,733 |
| 14 | San Antonio | $1,671 |
| 15 | Fort Worth | $1,670 |
| 16 | Arlington | $1,658 |
| 17 | El Paso | $1,632 |
| 18 | Austin | $1,627 |
| 19 | McKinney | $1,625 |
| 20 | Plano | $1,624 |
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Premium amounts are estimated as specific San Antonio zip code can increase or decrease rates greatly.
The vehicle driven is probably the largest consideration when shopping around for affordable auto insurance for business use. Vehicles with reasonable performance levels, an excellent safety record, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models. The next list ranks auto insurance prices for a number of the most affordable vehicles to insure in Texas.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,001 |
| Ford Escape Limited 2WD | $1,023 |
| Toyota Prius | $1,107 |
| Ford Explorer XLT 4WD | $1,121 |
| Honda Accord LX 4-Dr Sedan | $1,143 |
| Ford Edge SEL AWD | $1,159 |
| Dodge Grand Caravan Hero | $1,182 |
| Toyota Tacoma Double Cab 4WD | $1,190 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,182 |
| Toyota Camry SE | $1,243 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,266 |
| Nissan Rogue SL AWD | $1,327 |
| Ford Focus SE 4-Dr Sedan | $1,330 |
| Ford F-150 STX Regular Cab 2WD | $1,345 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,350 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can modify coverage prices considerably.
Based upon the rates shown, we can tell that cars like the Honda CR-V, Ford Escape, Toyota Prius, Ford Explorer, and Honda Accord are some of the cheaper vehicles to insure for using your car for business. The price for car insurance will tend to be more expensive just due to the fact that there is a higher risk for business use, but overall those specific models will most likely have the cheapest car insurance rates compared to other types of vehicles.
Responsible drivers pay cheaper car insurance rates
The common sense way to receive low car insurance premiums in San Antonio for using your car for business is to pay attention while driving and not have accidents or get tickets. The diagram below shows how speeding tickets and fender-benders impact insurance rates for different categories of driver ages. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of auto insurance in Texas per year with no accidents or violations is $1,542. Receive two speeding tickets and the average cost jumps to $2,191, an increase of $649 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for business use goes up to an average of $4,584. That’s an increase of $3,042, or $253 per month, just for not maintaining a clean driving record!
Get discount San Antonio auto insurance
Insurance companies that provide coverage for business use may provide special discounts that can lower rates by as much as 40% or more if you meet specific eligibility requirements. Larger car insurance companies and their possible discounts can be found below.
- State Farm has discounts for safe vehicle, Steer Clear safe driver discount, anti-theft, accident-free, and student away at school.
- GEICO has savings for daytime running lights, good student, anti-theft, membership and employees, multi-policy, and anti-lock brakes.
- Progressive may include discounts for good student, homeowner, online signing, multi-policy, continuous coverage, and online quote discount.
- 21st Century discounts include student driver, good student, homeowners, teen driver, and 55 and older.
- American Family offers premium reductions for accident-free, multi-vehicle, air bags, TimeAway discount, defensive driver, bundled insurance, and early bird.
- The Hartford may offer discounts for good student, air bag, defensive driver, bundle, and vehicle fuel type.
- AAA offers discounts for good driver, multi-policy, multi-car, anti-theft, good student, pay-in-full, and education and occupation.
The chart below shows the comparison of insurance costs with and without discounts. The premiums assume a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with claim-free, multiple vehicle, defensive driving course, multiple policy, homeowner, and accident-free discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for business use is 28% or $606.
Chances are good that you’re overpaying for San Antonio car insurance
San Antonio car insurance rates are based on many factors that control the price you have to pay. Simply having a birthday, moving to a new city, or getting caught speeding can produce rate changes that can now make some companies much cheaper than others. In addition, companies change premium rates multiple times each year in order to be able to pay unexpected claims. Significantly higher claims may result in more expensive prices, while better underwriting can produce lower-cost San Antonio car insurance rates.
The chart below compares the cheapest car insurance in San Antonio, TX for a 35-year-old female driver with no prior claims, no tickets, and good financial standing. If we look at prices based on her current risk factors, Travelers may offer the cheapest car insurance rates in San Antonio at $1,181 per year. This is $723 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the cheapest San Antonio, TX auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a claim surcharge, less-than-perfect credit, and a traffic ticket or two. Since every car insurance company has a different formula for determining prices, getting updated rate quotes may now result in a different list of companies as shown below.
State Farm now has the cheapest price in San Antonio, TX with USAA, Mercury, Nationwide, and Safe Auto completing the list. This shows why San Antonio drivers need to spend some time comparing rates to find affordable auto insurance quotes for business use.
Car insurance prices are impacted by many different factors and can decrease or increase without notice, so the cheapest company the last time you checked may now cost much more than other companies.