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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 in San Marcos is in line with pricing for 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 $16 cheaper than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in San Marcos, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
We've analyzed the average rate for San Marcos and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 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. You may see your rates start to rise again once you hit retirement in San Marcos.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In San Marcos, this difference shakes out to about $4 a month. As you can see in the table above, female drivers in the area typically pay $63 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In San Marcos, drivers with one accident on their record will experience rates around $76 a month. Likewise, drivers with one ticket will be looking at a rate of around $69 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$78|
|15 Years or Older||$56|
In San Marcos, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $58 per month for insurance.
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.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$69|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. San Marcos follows that pattern, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$78|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in San Marcos, expect to pay around $15 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 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 an insurance provider.
In San Marcos, auto insurance rates declined from 2017-2019, when they reached a low of $57. This trend leveled out in 2020, when they began to increase, and have continued moving in that direction through the present, where car insurance rates finished at $77 per month.
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 coverage, car insurance companies will review numerous factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Off-street parking access
- Area crime rates
- Rate of car accidents
- Total drivers
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Marcos?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies 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, address, marital status and driving record.
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?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Marcos?
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?
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 Marcos 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.