Finding good, cheap car insurance is not easy, and deciding which companies quote the cheapest car insurance rates for state employees may require even more perseverance. Each auto insurance company uses a little different formula for setting prices, so let’s rank the overall cheapest car insurance companies in San Antonio.
Keep in mind that Texas car insurance rates are calculated based on many things that can increase the cost of having a policy. Taking a driver safety course, buying a different home, or getting caught speeding may cause policy rate changes resulting in some rates now being more expensive than others.
Best Auto Insurance Prices in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,396 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,495 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,155 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
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Travelers quotes some of the cheapest car insurance rates in San Antonio at around $1,052 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper San Antonio, TX insurance companies.
In the above example, if you are a policyholder with Germania Mutual and switched to Travelers, you could realize savings of upwards of $242. Insureds with Esurance may save as much as $313 a year, and California Casualty customers might realize rate reductions of up to $344 a year.
Understand that those policy prices are averaged for all insureds and vehicles and do not factor in an exact zip code location for state employees. So the auto insurance company that has the lowest price for you may not even be in the list above. That is why you need to get auto insurance quotes using your own individual information.
One of the many components that help determine the amount you pay for auto insurance is where you call home in San Antonio. Regions with larger populations or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The table below shows the most expensive places in Texas for state employees to purchase car insurance in. San Antonio is ranked #15 with an annual cost of $1,671 for the average insured, which is around $139 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,908 |
| 3 | Houston | $1,891 |
| 4 | Dallas | $1,855 |
| 5 | Laredo | $1,851 |
| 6 | Amarillo | $1,840 |
| 7 | Garland | $1,832 |
| 8 | Pasadena | $1,812 |
| 9 | Mesquite | $1,807 |
| 10 | Beaumont | $1,754 |
| 11 | Grand Prairie | $1,740 |
| 12 | Irving | $1,736 |
| 13 | Arlington | $1,692 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Fort Worth | $1,653 |
| 17 | Austin | $1,627 |
| 18 | McKinney | $1,609 |
| 19 | Plano | $1,608 |
| 20 | Carrollton | $1,598 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,584 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,533 |
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Price information shown is estimated as specific location information can raise or lower prices greatly.
The vehicle model that needs insurance is one of the largest factors when comparison shopping for economical coverage for state employees. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models. The table below outlines car insurance prices for a handful of the most affordable vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,085 |
| Ford F-150 XL Super Cab 2WD | $1,166 |
| Toyota Tacoma 4WD | $1,190 |
| Ford Edge SEL AWD | $1,232 |
| Chevrolet Malibu Hybrid | $1,255 |
| Ford Escape XLS 2WD | $1,300 |
| Hyundai Elantra SE 4-Dr Sedan | $1,321 |
| Chevrolet Impala LTZ | $1,329 |
| Toyota Camry SE | $1,321 |
| Chevrolet Equinox LTZ AWD | $1,346 |
| Ford Focus SE 4-Dr Sedan | $1,412 |
| Hyundai Sonata SE 4-Dr Sedan | $1,422 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,435 |
| Kia Optima SX | $1,437 |
| Toyota RAV4 Limited 4WD | $1,440 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,449 |
| Toyota Prius | $1,444 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,461 |
| Ford Explorer Eddie Bauer AWD | $1,466 |
| Honda Odyssey Touring | $1,540 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,545 |
| Jeep Grand Cherokee SRT-8 4WD | $1,540 |
| Dodge Grand Caravan Crew | $1,573 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can increase or decrease price quotes significantly.
Looking at the rates, you can conclude that models like the Honda CR-V, Ford F-150, and Toyota Tacoma are some of the cheapest vehicles to insure for state workers.
Which car insurance company is best in San Antonio?
Ending up with the highest-rated insurer is difficult considering how many companies are available to choose from in San Antonio. The information in the lists below can help you choose which companies to look at when comparing auto insurance rates for state employees. The ratings below are only comprised of the largest companies in America, so companies that have a smaller presence are not included in these rankings.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Difference between liability only and full coverage rates
Finding the cheapest car insurance is important to most vehicle owners, and one great way to find cheap insurance for state employees is to buy liability only. The example below illustrates the difference between annual premium costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied.
If the expense is averaged for all age categories, full coverage costs an additional $2,181 per year more than insuring for liability only. That is a large expense which might make you wonder if you should buy full coverage. There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
Why you should compare rates
San Antonio, TX car insurance rates are influenced by many factors that may substantially change the policy price. Simply getting older, having a claim, or getting a speeding ticket can produce rate changes resulting in some companies being affordable when they were higher priced. In addition, auto insurance companies file new Texas auto insurance rates as often as every quarter to adjust for unexpected claims or profits. Higher than usual claims may result in higher priced premiums, while a better loss history may produce more affordable San Antonio car insurance rates.
The chart below demonstrates which company has the cheapest car insurance in San Antonio, TX for a 45-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on her personal risk profile, Travelers may have the cheapest car insurance rates in San Antonio at $1,193 each year. This is $711 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the top five cheapest San Antonio, TX auto insurance companies.
In this next rate comparison, we will give the driver in the first chart a claim, bad credit, and a traffic ticket or two. Due to the fact that every insurance company uses a different method to determining premium rates, analyzing rate quotes may now show a different list of the cheapest San Antonio car insurance companies as shown below.
Mercury now has the cheapest auto insurance in San Antonio, TX with State Farm, Safe Auto, Nationwide, and USAA also being competitive. This example shows why consumers need to take the time to compare rates to get affordable car insurance rates for state employees.
Auto insurance prices can be altered by many factors and change substantially, so the best company six months ago may now be one of the more expensive options.