Best Auto Insurance Rates in San Marcos, Texas

On average, your neighbors pay $77 a month.

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Home to the Texas State University Bobcats, the fourth largest University in the state, San Marcos, Texas is one of the fastest growing cities in the state. Its perfect location in the middle of San Antonio and Austin makes it a perfect location for families working in the cities but wanting to live in suburbia. With all that San Marcos has to offer residents, cheap car insurance rates should be included.

Average San Marcos Car Insurance Rates

How much is car insurance in San Marcos, TX? San Marcos, like much of Texas, has higher than average car insurance rates. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices will vary depending on your driving record and the number of points on your driver's license, limits, coverage, and the total number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard makes it easy to save on car insurance. We help San Marcos, Texas residents compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Marcos and save up to 40% on your premium.

Last year, 1,100 people used QuoteWizard to compare car insurance quotes in San Marcos, TX from multiple companies to get the best rates.

Best Car Insurance Companies in San Marcos, TX

These were the most common car insurance companies reported by QuoteWizard users living in San Marcos, Texas last year. Only 58 of these users were not insured when they request a quote.

Other popular San Marcos, Texas car insurance companies include: AIG, Travelers, Safeco, Country Financial, Erie, Mercury, MetLife, and Infinity.

Top 10 Vehicles

These are the 10 most common car makes and models owned by San Marcos, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Dodge Ram 1500
  3. Ford Explorer
  4. Ford Mustang
  5. Hyundai Elantra
  6. Dodge Avenger SE
  7. Jeep Grand Cherokee Laredo
  8. Nissan Sentra S/SV/SR/SL
  9. Jeep Grand Cherokee Limited
  10. Chevrolet Tahoe C1500
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Minimum Car Insurance Requirements in San Marcos, TX

San Marcos, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurance carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total amount your insurer will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

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Weather

San Marcos, just like the rest of Central Texas, enjoys a warm, humid climate with long hot summers and no dry season or winter. San Marcos residents enjoy around 232 sunny days with highs reaching 100 degrees in the hottest month. With all the moisture and humidity in the air heavy rains and flash floods can be a serious problem in this area. It’s not unusual for thunderstorms to produce hail, sometimes causing serious damage.

Road Conditions

TRIP reports that Austin-Metropolitan area drivers waste as much as $706 a year on fuel, time, and car repairs due to the high number of potholes, ruts, and rough street conditions. According to Trip, 28% of the major roads here are in poor condition and in need of immediate repair and another 62% of local roads are rated mediocre.

Due to the amount of rain this area receives potholes can be a big problem on small roadways but also major roadways like Interstate 35. If you see a pothole contact 311 or download the 311 app to report a problem.

Traffic Congestion

Traveling along Interstate 35 can be pretty stressful for residents in the Austin-San Marcos metro area. I-35 sees a lot of traffic congestion from Austin all the way through to San Antonio and San Marcos, TX is located right in the middle of both major cities. According to TomTom's annual traffic index report, Austin is ranked as having the 21st worst traffic congestion in the United States. The average commuter spends an extra 30 minutes per hour and 115 hours a year stuck in traffic on peak hour commutes lasting 60 minutes.

Moving Violations

Moving violations like speeding, failure to yield, or drunk driving can hurt your driving record and lead to higher rates.

Traffic Tickets

The City of San Marcos Municipal Court website allows you to pay traffic citations, tells drivers how to ask for a dismissal, or continuance and provides other helpful traffic court information.

SR-22 DWI Insurance

If you've been convicted of a DWI and need to obtain an SR-22 form, request a quote and we will connect you with local insurance agents from top insurance companies that specialize in San Marcos DWI insurance.

Car Accident Statistics

San Marcos officials reported 1,445 car crashes in 2016. These crashes resulted in 692 injuries, 64 of them incapacitating.

DWI Crashes and Injuries

San Marcos reported 122 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 73 injuries and three fatalities.

Traffic Fatalities

San Marcos experienced six fatal collisions in 2016 resulting in six deaths in motor vehicle crashes.

This works out to a fatality rate of 9.68 per 100,000 residents. All traffic deaths are a tragic loss, and considering Pasadena's estimated population of 61,980, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Plano reported 144 vehicle thefts in 2016. This is a rate of 2.37 per 1,000 residents, similar to the national rate of 2.20 stolen cars per 1,000 people.

Save With Car Insurance Discounts

If you want affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to driver in San Marcos, TX. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Get a new car with advanced safety features or anti-theft devices or a car alarm system
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Drivers 55 and older can qualify for the senior discount or the 55 and retired discount
  6. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  7. Live in a safe zip code with low crime rates. If you live in a zip code where people file lots of insurance claims, you might be paying higher premiums
  8. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare low-cost San Marcos car insurance quotes to discover all the discounts you qualify for

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