San Juan, TX Car Insurance

Drivers in San Juan pay around $60 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of San Juan expect to pay for their car insurance? Compared to their surrounding area, how do rates in San Juan stack up? What about against the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in San Juan?

Area Average Monthly Car Insurance Premium
San Juan$60
TX$64
United States$80

Looking at the chart above, you can see it's around $4 a month cheaper to insure your vehicle in San Juan than it is in the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in San Juan. Auto insurance coverage in San Juan is about $20 cheaper than it is for the rest of the United States.

While these are the average costs to insure your vehicle in San Juan, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

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. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$98
25-34$61
35-44$56
45-54Not Enough Data
55-64$40
65+$57

Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates climb back up in San Juan.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$57

In general, car insurance rates for women are usually cheaper than they are for men. This rings true in San Juan, where women pay around $4 less per month than men. Based on the chart above, you can see that male drivers pay $61 on average, while female drivers typically pay $57 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In San Juan, a driving record with one accident will usually get you a rate around $82 a month.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$63
2-3 Years$52
4-5 Years$66
6-7 Years$58
8-10 Years$63
11-14 Years$68
15 Years or Older$47

If you look at the first table above, you'll see that SUVs are usually the cheapest vehicles to insure in San Juan, with drivers paying around $51 per month to insure their vehicle.

Car owners will see rates of about $65, while truck and van owners typically pay around $53 per month.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In San Juan, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$52
Divorced$41
Widowed$46

Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for San Juan as well, where the difference is around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$64
Live with parents$71

Another factor taken into consideration is your housing situation. Renters can expect to pay around $8 a month more than homeowners in San Juan. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in San Juan, TX

Recent trends in car insurance for San Juan drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In San Juan, auto insurance rates went up consistently from 2016-2020. They finished down in 2021, at $66.

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 a monthly rate, car insurance companies will consider numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Number of drivers
  • Road Safety (frequency of car accidents)
  • Local laws
  • Access to off-street parking
  • Crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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.

But hold on! Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing auto coverage in San Juan in no time.

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San Juan 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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in San Juan different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in San Juan?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to San Juan?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to San Juan or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes