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How much is car insurance in San Marcos?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in San Marcos are about the same as the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in San Marcos is rather affordable. The average monthly payment in San Marcos is about $15 cheaper than the rate for the rest of the United States.
Although these are the average car insurance rates in San Marcos, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've done the heavy lifting for you and broken down the average rate for San Marcos so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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San Marcos 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? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $40 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in San Marcos may see their rates climb back up once they hit retirement age.
San Marcos Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in San Marcos is only about $3 per month.
San Marcos Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In San Marcos, having a single accident on your record will usually get you rates around $75 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $69.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
San Marcos Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$56|
The cheapest vehicles to insure in San Marcos are usually SUVs, with each type typically costing about $59 per month.
Car owners can expect to pay an average of around $67 a month for their policy, while truck and van drivers are usually around $62 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In San Marcos, the most expensive vehicles to insure are vehicles less than one year old.
San Marcos Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
On average, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in San Marcos, with married couples paying about $18 less per month.
San Marcos Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
One other element taken into consideration is your living situation. Homeowners in San Marcos can expect to pay around $15 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in San Marcos, TX
Recent trends in car insurance for San Marcos drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In San Marcos, auto insurance rates declined from 2017-2019, when they hit a low of $57. Rates started to rise in 2020, and this pattern has continued through 2022, when rates have most recently reached $71.
How does San Marcos compare to neighboring areas?
Why are car insurance rates in San Marcos different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking availability
- Regional regulations
- Crime rates
- Road safety
- Amount of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in San Marcos?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in San Marcos.
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San Marcos Auto Insurance FAQs
What factors affect car insurance quotes in San Marcos?
The factors that car insurance companies take into account when calculating your monthly cost 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 Marcos different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in San Marcos?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to San Marcos?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to San Marcos or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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