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Get Cheap Car Insurance in San Antonito, NM

We monitor insurance prices, helping the average driver in San Antonito save up to 31.4% on car insurance.

 

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The Cheapest Minimum Coverage in San Antonito

The chart below shows the cheapest car insurance company in San Antonito 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 State Farm, followed by Farm Bureau, Gainsco, and Geico.

 
San Antonito Insurer Monthly Cost
State Farm $45
Farm Bureau $53
Gainsco $58
Geico $61

Savings for Every Kind of San Antonito Driver

The table shows how much the average auto insurance customer in San Antonito might save by following our recommendations.

Based on our extensive insurance data, we know the average San Antonito driver will save about 22% 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 $329 per year by choosing the right vehicle insurance company. Some San Antonito residents are paying out over $1,473 extra every year for auto insurance in San Antonito. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
San Antonito, NM Savings / Yr.
Drivers with good records
$329
Drivers with accidents
$745
Drivers with speeding tickets
$564
Drivers with a DUI conviction
$648
Young drivers
$1,428
Married drivers
$407
Drivers with bad credit
$405

San Antonito Car Insurance vs. New Mexico

People living in San Antonito pay an average of 1.93% less than the typical driver in the state. The average driver in San Antonito can expect to pay about $761 per year, or $1,473 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in San Antonito for most people.

Car Insurance Prices by San Antonito Neighborhood

San Antonito, NM 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 San Antonito?

The map shows insurance prices in and around San Antonito, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $79 per year within the city boundaries, with insurance premiums ranging from a high of $1,475 to a low of $1,396. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of San Antonito.

Pick the Best Car Insurance Company for You in San Antonito

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 San Antonito insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in San Antonito

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $329 over the average San Antonito car insurance company.

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We use the average good driver, paying $95 per month, as our baseline for pricing in San Antonito. State Farm, Travelers, and Safeco Insurance 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 San Antonito drivers with accidents on their records

In San Antonito getting into an accident will raise premiums an average 38% for a yearly cost of $2,370. That's $897 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, Nationwide, and Travelers 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 $745 over the competition.

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The best car insurance company for San Antonito drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $564 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 San Antonito, tickets raise premiums on new quotes about $625. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $2,098 per year.

The best auto insurance for San Antonito drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,350 per year in auto insurance premiums, which was $877 more than a driver with no major issues. State Farm, Progressive, and Kemper penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $648 less each year.

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The least expensive car insurance company for new and young drivers in San Antonito

In San Antonito, State Farm costs young drivers $1,428 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 69% more for insurance than more mature drivers in San Antonito. With an average cost of $4,723 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, Nationwide, and Farm Bureau 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 San Antonito

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $92. State Farm, Geico, and Progressive provided the largest discounts to couples living in San Antonito.

State Farm gave the largest car insurance discounts to married couples, averaging $407 saved each year compared to an average San Antonito couple's premiums.

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The cheapest car insurance in San Antonito for drivers with bad credit

People with poor credit saved an average of $405 with Gainsco.

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Many people are surprised that their poor credit score can cost them an average of $803 every year. Premiums for people with poor credit were about $2,276 in San Antonito. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Gainsco.

The best San Antonito car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In San Antonito, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in San Antonito.

Nationwide was the best company for customer service in San Antonito 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 San Antonito, 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 San Antonito. 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 San Antonito

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 3.3% of San Antonito residents who are renting, and don't plan to be in the city or state 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 San Antonito driver can expect to pay about $97 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 San Antonito, USAA has the best prices for young drivers, drivers with accidents, good drivers, married couples, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.
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Auto Insurance Prices in and Around San Antonito

What Influences the Cost of Car Insurance in San Antonito?

On average, car insurance in San Antonito 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 city are influenced by the following factors:

  • The average commute time in San Antonito is 32 minutes, which is about the national average for a driver in the state.
  • New Mexico state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in San Antonito are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • San Antonito is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in San Antonito is $63 per month for minimum coverage and $123 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 Cities

Cities with Similar Populations

* Who is the average San Antonito driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central San Antonito 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.