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How much is car insurance in San Marcos?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in San Marcos as it is in the rest of Texas.
Car insurance rates in San Marcos are more affordable than the national average. It's about $16 cheaper to insure your vehicle in San Marcos compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for San Marcos, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 policy payment.
We've broken down average rates for San Marcos to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in San Marcos.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In San Marcos, however, male and female drivers both pay about the same rate for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in San Marcos with a single accident on their record will usually see rates around $71 a month. Similarly, drivers with one ticket will typically pay around $90 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$55|
In terms of affordable coverage, the cheapest vehicles to insure in San Marcos are usually SUVs, at $57 per month.
Car owners can expect to pay an average of around $66 a month for their policy, while truck and van drivers are usually around $62 to insure each month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In San Marcos, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in San Marcos can be as much as $17 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than homeowners in San Marcos. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in San Marcos, TX
Recent trends in car insurance for San Marcos 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.
The cost of auto insurance coverage in San Marcos have been mixed as of late, it increased in 2016, declined in 2018, and rose again in 2020, before finishing at $69 in 2021.
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 a number of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Local regulations
- Access to off-street parking
- Road safety
- Amount of drivers in the area
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering plans in San Marcos.
San Marcos Insurance FAQs
What factors affect car insurance quotes in San Marcos?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in San Marcos different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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.