Establishing which company offers the cheapest auto insurance rates for single moms will require a little more sweat in order to find the best policy. Each company has a proprietary formula to determine premium rates, so let’s rank the auto insurance companies with the overall best prices in San Antonio, TX.
It’s important to understand that Texas auto insurance rates are influenced by many factors that will increase or decrease the cost of a policy. Simply getting older, becoming a homeowner, or getting a driving violation may cause policy rate changes that can make some companies cheaper than others.
Cheapest Insurance Rates for Single Moms
Travelers normally has some of the best car insurance rates in San Antonio at around $1,052 annually. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the best San Antonio, TX auto insurance companies.
As shown in the rates above, if you have coverage with Germania Mutual and switched to USAA, you may realize an annual premium reduction of around $160. Texas drivers with Esurance may save as much as $323 a year, and California Casualty customers might lower prices by $354 a year.
Be aware that those premium estimates are averages across all insureds and vehicles and and are not calculated with an exact location for single moms. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
One of the more important components that help determine the amount you pay for auto insurance is where you choose to live. More densely populated places tend to pay slightly more, whereas areas with less congestion receive better rates.
The table below sorts the highest-priced places in Texas for single moms to buy an auto insurance policy in. San Antonio makes the list at #13 costing $1,722 for the average policyholder, which is approximately $144 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Dallas | $1,911 |
| 3 | Laredo | $1,889 |
| 4 | Houston | $1,853 |
| 5 | Brownsville | $1,851 |
| 6 | Garland | $1,850 |
| 7 | Pasadena | $1,812 |
| 8 | Grand Prairie | $1,793 |
| 9 | Irving | $1,789 |
| 10 | Amarillo | $1,786 |
| 11 | Mesquite | $1,771 |
| 12 | Beaumont | $1,754 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,665 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,642 |
| 17 | Fort Worth | $1,621 |
| 18 | Corpus Christi | $1,620 |
| 19 | Carrollton | $1,598 |
| 20 | Waco | $1,584 |
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Rate information is comparative as the specific garaging location can revise insurance rates considerably.
Bad driving habits will cost you more
The best way to get low auto insurance premiums for single parents is to pay attention while driving and avoid accidents and traffic violations. The example below shows how speeding tickets and at-fault claims increase insurance premiums for each age group. The prices are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,899. Get two speeding tickets and the average cost jumps to $2,549, an increase of $650 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for single moms increases to an average of $3,196. That’s an increase of $1,297, or $108 per month, just for not maintaining a clean driving record!
Finding the right company is hard considering how many choices there are in San Antonio. The company information shown below can help you choose which insurers you want to consider when looking for cheaper rates. The ratings below include companies that insure vehicles across America, so companies without a large exposure will not be included in these rankings.
Top 10 Large Auto Insurance Companies Overall in San Antonio
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Why you should be comparing rates
Texas auto insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Getting older, buying a new vehicle, or getting into an accident may generate price changes resulting in some companies being cheaper than before. In addition to those changes, companies amend premium rates every year in order to maintain liquidity for claims. Significantly higher losses may result in more expensive premiums, while a profitable period can cause lower-cost San Antonio car insurance rates.
To illustrate this point, the bar chart below shows which companies have the cheapest car insurance in San Antonio, TX for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. If we estimate rates based on her personal risk profile, Travelers may offer the most affordable car insurance rates in San Antonio at $1,138 each year. This is $766 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the most affordable San Antonio, TX auto insurance companies.
Now we will give the driver in the first chart a couple of claims, a little lower credit rating, and a stop sign violation. Due to the fact that every auto insurer has a unique approach to set premium rates, getting updated rate quotes may now result in a different set of affordable companies as shown below.
State Farm now has the cheapest price in San Antonio, TX with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This shows why it is critical to shop around to get the most economical insurance quotes for single moms.
Rates are determined by many things and change dramatically, so the cheapest option the last time you shopped around may now be an over-priced policy.
Tips for buying economical car insurance for single moms
It is possible to find better rates, and here are some penny-pinching ideas that can help San Antonio drivers locate cheaper auto insurance.
- Claim-free drivers earn discounts
- Better credit scores save money
- Drive safe vehicles
- Increase your physical damage deductibles
- Buying your home and auto policies from the same company can earn a discount
- If your vehicles are older, consider dropping full coverage
- Shop around for lower rates once a year
The last item on the list is extremely crucial, as was pointed out in this piece. Coverage rates in San Antonio vary greatly, so don’t be afraid to buy from a new company if you find a cheaper price.
We understand brand loyalty, but it’s not a good idea if that devotion results in you overpaying a considerable chunk of change every month. It only take a few minutes to compare prices and find cheaper insurance for single moms.
The agents shown below can aid you in deciding which is the best policy, since some people prefer to have the advice of a professional agent when comparing insurance rates for single parents. It can be challenging to find the cheapest rates, and agents can add comfort knowing you have adequate protection in case of an accident or claim.
To find a San Antonio insurance agent by location nearest to you, click the button after the list.
- GEICO Insurance Agent
8910 Bandera Rd #110 – San Antonio, TX 78250 – (210) 673-2391 - Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 - Betsy Dippo – State Farm Insurance Agent
19190 Stone Oak Pkwy #112 – San Antonio, TX 78258 – (210) 496-3276 - Raul Benavides III – State Farm Insurance Agent
6900 San Pedro Ave #135 – San Antonio, TX 78216 – (210) 824-5724