On average, your neighbors pay $77 a month.See Your Rates
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.
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.
|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.
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.
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.
These are the most common car makes and models owned by San Marcos, TX drivers requesting quotes through QuoteWizard last year.
San Marcos, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:
Driving conditions like weather and traffic congestion can influence your insurance rates.
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.
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.
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 like speeding, failure to yield, or drunk driving can go on your driving history and lead to higher rates. Tickets can remain on driving records for up to three years. Meaning you'll be paying higher rates for some time. If you get too many tickets on your record, your insurer may change your status to non-preferred or high-risk. This means you could be asked to buy a non-standard auto insurance policy.
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.
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.
San Marcos Police reported 106 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 77 injuries and four fatalities.
San Marcos officials reported 1,150 car crashes in 2017. These crashes resulted in 617 injuries, 41 of them serious.
San Marcos experienced six fatal collisions in 2017 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 San Marcos' estimated population of 63,071, this is one of the nation's safer cities in terms of traffic fatalities.
Plano reported 169 vehicle thefts in 2017. This is a rate of 2.68 per 1,000 residents, similar to the national rate of 2.37 stolen cars per 1,000 people.
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.
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