It’s impossible to miss the ads from insurers like Farmers, Nationwide, and Progressive that say if you switch you’ll get enormous savings. So drivers just need to pick the company with the best ad, right?
Regrettably, it’s not quite that easy, as there are many unknown aspects such as whether you are single or married, the vehicle you drive, if you want the added protection of full coverage, and how old you are, that help determine the price you have to pay. The information below will cover the different scenarios that increase car insurance cost and will hopefully give you a good beginning to your search for cheaper coverage.
The car, truck, or SUV that needs insurance is a significant factor that determines if you can find the lowest-priced auto insurance for drivers with accidents. Vehicles with lower acceleration and performance, advanced safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models.
The next list illustrates car insurance prices for the most cost-effective vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $2,334 |
| Honda CR-V EX 4WD | $2,363 |
| Jeep Wrangler Sport 4WD 2-Dr | $2,450 |
| Ford Edge SE 2WD | $2,593 |
| Ford F-150 XL Regular Cab 4WD | $2,622 |
| Toyota Prius | $2,695 |
| Chevrolet Malibu Hybrid | $2,767 |
| Toyota RAV4 Limited 4WD | $2,772 |
| GMC Sierra SLE Crew Cab 2WD | $2,767 |
| Ford Focus SEL 4-Dr Sedan | $2,883 |
| Chevrolet Equinox LT AWD | $2,892 |
| Honda Odyssey EX | $2,896 |
| Chevrolet Impala LS | $2,901 |
| Toyota Tacoma Double Cab 4WD | $2,925 |
| Dodge Grand Caravan SXT | $2,930 |
| Volkswagen Jetta S 4-Dr Sedan | $2,934 |
| Jeep Grand Cherokee Limited 4WD | $2,941 |
| Ford F-350 XL Crew Cab 2WD | $2,970 |
| Ford Explorer Eddie Bauer AWD | $2,972 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $2,977 |
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Above prices assume single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in specific location information which can decrease or increase premiums noticeably.
Based on these rates, you can infer that vehicles like the Ford Escape, Honda CR-V, Jeep Wrangler, and Ford Edge are most likely to be the cheaper vehicles to insure for drivers with at-fault accidents. Car insurance rates will be more expensive just because there is more claim risk for drivers with accidents, but in general those models will probably have the best rates compared to other vehicles.
Trying to buy low-priced insurance is not always easy, and figuring out which company quotes the most affordable auto insurance rates for drivers with accidents requires a little more work.
Each auto insurance company has a proprietary formula for filing rates in each state, so we’ll go over the most budget-friendly auto insurance companies in San Antonio. Keep in mind that San Antonio, TX auto insurance rates are calculated based on many things that will increase or decrease the price you pay. Events like a birthday, having a teen driver, or getting a DUI can produce rate changes that can make some companies cheaper than competitors.
Find Cheaper Car Insurance for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,249 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
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Travelers generally has some of the cheapest 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 qualify as some of the more affordable San Antonio, TX auto insurance companies.
In the rate table above, if you currently have coverage with Germania Mutual and switched to Travelers, you might see yearly savings of approximately $192. Texas drivers with California Casualty might save as much as $344 a year, and Esurance insureds might see rate reductions of $355 a year.
If you want to find out if you’re overpaying, click here to start your free quote or visit any of the low-priced companies below.
These premium estimates are averages for all drivers and vehicles in Texas and and are not figured with a specific location for drivers with accidents. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That emphasizes why you need to get car insurance quotes using your own driver information and specific vehicle type.
How accidents and tickets impact rates in San Antonio
The easiest way to enjoy cheap auto insurance premiums in Texas for drivers with at-fault accidents is to drive attentively and not have accidents or get tickets. The diagram below illustrates how speeding tickets and at-fault fender-benders drive up car insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
The chart shows that the average cost of an auto insurance policy in San Antonio per year with no accidents or violations is $1,225. Receive one speeding ticket and the average cost surges to $1,432, an increase of $207 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for drivers with accidents increases to an average of $3,364. That’s an increase of $2,139, or $178 per month, just for being a careless driver!
Picking the right auto insurance provider can be challenging considering how many companies there are in San Antonio. The company information below may help you pick which car insurance companies to look at purchasing from. These ratings are for large insurance companies, so companies that may only write in Texas are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability only
Finding cheaper auto insurance is probably important to most vehicle owners, and one good way to reduce the cost of insurance for drivers with accidents is to not insure for full coverage. The information below compares premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for all age groups, physical damage coverage costs $2,393 per year more than buying just liability insurance. At some point, almost every driver questions if you should buy full coverage at all. There is no clear-cut rule for dropping comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for full coverage, then it’s probably a good time to buy liability coverage only.
The agents below can probably aid you in deciding which coverages and limits you need, as many consumers aren’t sure which coverage to buy and prefer to have some professional guidance when comparing insurance rates for drivers with accidents. It can be difficult to find the best rates on your own, so getting professional guidance from a licensed agent can give comfort knowing you have enough coverage when you need it.
To find a San Antonio insurance agency closest to you, click the button at the bottom or click here to compare price quotes.
- Affordable Health Insurance Agency, LLC
7330 San Pedro Ave #150 – San Antonio, TX 78216 – (210) 738-3537 - Legion Insurance Agency
5309 Wurzbach Rd – San Antonio, TX 78230 – (210) 693-1501 - Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 - Juan Garcia – State Farm Insurance Agent
2, 407 N Zarzamora – San Antonio, TX 78207 – (210) 438-5826 - Sonia Flores – State Farm Insurance Agent
3103 SE Military Dr #102 – San Antonio, TX 78223 – (210) 333-1030
View more San Antonio, TX insurance agencies
How to find cheaper car insurance for drivers with accidents
It’s not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help drivers get lower-cost car insurance.
- Avoid accidents and claims
- Violations and traffic tickets increase rates
- Bundle car and home insurance and save money
- Save money by staying claim-free
- Vehicles with safetly features generally cost less to insure
- Shop around for lower rates once a year
The last idea is highly vital, as we noted in this write-up. Rates vary considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a better rate can be found.
We understand brand loyalty, but it isn’t a good idea if that stubbornness costs you a small fortune. It only take a few minutes to compare rates and find cheaper insurance for drivers with accidents in San Antonio.