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How much is car insurance in San Juan?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in San Juan are in line with rates across the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in San Juan is rather affordable. It's about $17 cheaper than the national average to insure your vehicle in San Juan.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for San Juan residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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San Juan Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $47 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Drivers in San Juan may see their rates climb back up once they hit retirement age.
San Juan Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In San Juan, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.
San Juan Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In San Juan, having a single accident on your record will usually get you rates around $82 a month.
San Juan Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$50|
According to the first table above, the cheapest vehicles to insure in San Juan are typically SUVs, at $52 per month.
Car owners will see rates of about $70, while truck and van owners usually pay around $56 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In San Juan, the most expensive vehicles to insure are vehicles four-to-five years old.
San Juan Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. San Juan is no exception, with the difference totaling to around $19 a month.
San Juan Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in San Juan. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in San Juan, TX
Recent trends in car insurance for San Juan drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In San Juan, car insurance rates increased from 2017-2020, when they hit a high of $88. Insurance rates started to turn downward in 2021, and this pattern has continued through 2022, when rates have most recently reached $58.
How does San Juan compare to neighboring areas?
Why are car insurance rates in San Juan different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional regulations
- Regional crime rates
- Amount of drivers in the community
- Road safety
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in San Juan?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in San Juan.
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San Juan Auto Insurance FAQs
What factors affect car insurance quotes in San Juan?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Juan different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in San Juan?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Juan?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Juan or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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