Table of contents
How much is car insurance in San Juan?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| San Juan | $63 |
| TX | $65 |
| United States | $81 |
Based on the chart above, you can see that car insurance rates in San Juan are in line with rates across 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 $18 cheaper than it is for the rest of the United States.
Bear in mind that while these are the average car insurance rates for San Juan, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down average rates for San Juan residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $101 |
| 25-34 | $61 |
| 35-44 | $55 |
| 45-54 | Not Enough Data |
| 55-64 | $62 |
| 65+ | $57 |
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates start to rise again in San Juan.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $64 |
| Female | $62 |
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in San Juan is only about $2 per month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $82 |
| Multiple Accidents | $73 |
| 1 Ticket | Not Enough Data |
| Multiple Tickets | Not Enough Data |
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay less than those with infractions. Drivers in San Juan with a single accident on their record will usually see rates around $82 a month.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $63 |
| 2-3 Years | $68 |
| 4-5 Years | $75 |
| 6-7 Years | $58 |
| 8-10 Years | $62 |
| 11-14 Years | $67 |
| 15 Years or Older | $50 |
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 $52 per month for insurance coverage.
Truck and van drivers will see rates of about $56 for auto insurance coverage, while car owners typically pay around $71 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In San Juan, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $70 |
| Married | $51 |
| Divorced | $50 |
| Widowed | $46 |
More often than not, people who are married will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. San Juan is no exception, with the difference totaling to around $19 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $61 |
| Rent | $65 |
| Live with parents | $71 |
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $4 a month more than homeowners in San Juan. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in San Juan, TX
Recent trends in car insurance for San Juan drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
Auto insurance rates in San Juan rose 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 $60.
How does San Juan compare to neighboring areas?
Why are car insurance rates in San Juan different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers
- Community laws
- Off-street parking accessibility
- Frequency of car accidents
- Crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in San Juan?
Arming 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.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in San Juan.
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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in San Juan different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to San Juan or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?