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Get Cheap Car Insurance in Oak Haven Heights, San Antonio, TX

We monitor insurance prices, helping the average driver in Oak Haven Heights save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Oak Haven Heights

The chart below shows the cheapest car insurance company in Oak Haven Heights for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.

 
Oak Haven Heights Insurer Monthly Cost
Clearcover $43
Mile Auto $56
Progressive $58
State Farm $62

Savings for Every Kind of Oak Haven Heights Driver

The table shows how much the average auto insurance customer in Oak Haven Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average Oak Haven Heights driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $343 per year by choosing the right vehicle insurance company. Some Oak Haven Heights residents are paying out over $1,665 extra every year for auto insurance in Oak Haven Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Oak Haven Heights, San Antonio, TX Savings / Yr.
Drivers with good records
$343
Drivers with accidents
$784
Drivers with speeding tickets
$691
Drivers with a DUI conviction
$792
Young drivers
$1,205
Married drivers
$455
Drivers with bad credit
$498

Oak Haven Heights Car Insurance vs. San Antonio

People living in Oak Haven Heights pay an average of 14.80% less than the typical driver in the state. The average driver in Oak Haven Heights can expect to pay about $992 per year, or $1,665 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Oak Haven Heights for most people.

Car Insurance Prices by Oak Haven Heights Neighborhood

Oak Haven Heights, San Antonio, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Oak Haven Heights?

The map shows insurance prices in and around Oak Haven Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $13 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,673 to a low of $1,660. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Oak Haven Heights.

Pick the Best Car Insurance Company for You in Oak Haven Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Oak Haven Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Oak Haven Heights

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $343 over the average Oak Haven Heights car insurance company.

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We use the average good driver, paying $110 per month, as our baseline for pricing in Oak Haven Heights. State Farm, Progressive, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Oak Haven Heights drivers with accidents on their records

In Oak Haven Heights getting into an accident will raise premiums an average 32% for a yearly cost of $2,456. That's $791 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Mile Auto, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $784 over the competition.

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The best car insurance company for Oak Haven Heights drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $691 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Oak Haven Heights, tickets raise premiums on new quotes about $585. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,250 per year.

The best auto insurance for Oak Haven Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,317 per year in auto insurance premiums, which was $652 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $792 less each year.

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The least expensive car insurance company for new and young drivers in Oak Haven Heights

In Oak Haven Heights, State Farm costs young drivers $1,205 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Oak Haven Heights. With an average cost of $4,614 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Chubb try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Oak Haven Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $57. State Farm, Geico, and Chubb provided the largest discounts to couples living in Oak Haven Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $455 saved each year compared to an average Oak Haven Heights couple's premiums.

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The cheapest car insurance in Oak Haven Heights for drivers with bad credit

People with poor credit saved an average of $498 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $672 every year. Premiums for people with poor credit were about $2,337 in Oak Haven Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Oak Haven Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Oak Haven Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Oak Haven Heights.

Nationwide was the best company for customer service in Oak Haven Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oak Haven Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Oak Haven Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Oak Haven Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 48% of Oak Haven Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oak Haven Heights driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Oak Haven Heights, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around Oak Haven Heights

What Influences the Cost of Car Insurance in Oak Haven Heights?

On average, car insurance in Oak Haven Heights is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Oak Haven Heights is 27 minutes, which is a little less than average for a driver in the city.
  • Texas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Oak Haven Heights are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Oak Haven Heights is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Oak Haven Heights is $83 per month for minimum coverage and $139 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Oak Haven Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Oak Haven Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.