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Get Cheap Car Insurance in San Carlos, TX

We monitor insurance prices, helping the average driver in San Carlos save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in San Carlos

The chart below shows the cheapest car insurance company in San Carlos 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.

 
San Carlos Insurer Monthly Cost
Clearcover $44
Mile Auto $58
Progressive $60
State Farm $64

Savings for Every Kind of San Carlos Driver

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

Based on our extensive insurance data, we know the average San Carlos 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 $354 per year by choosing the right vehicle insurance company. Some San Carlos residents are paying out over $1,719 extra every year for auto insurance in San Carlos. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
San Carlos, TX Savings / Yr.
Drivers with good records
$354
Drivers with accidents
$809
Drivers with speeding tickets
$714
Drivers with a DUI conviction
$817
Young drivers
$1,244
Married drivers
$470
Drivers with bad credit
$514

San Carlos Car Insurance vs. Texas

People living in San Carlos pay an average of 12.02% less than the typical driver in the state. The average driver in San Carlos can expect to pay about $1,024 per year, or $1,719 for full coverage.

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

Car Insurance Prices by San Carlos Neighborhood

San Carlos, TX map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within San Carlos?

The map shows insurance prices in and around San Carlos, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $72 per year within the city boundaries, with insurance premiums ranging from a high of $1,750 to a low of $1,678. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the North parts of San Carlos.

Pick the Best Car Insurance Company for You in San Carlos

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

The best car insurance provider for most drivers in San Carlos

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $354 over the average San Carlos car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in San Carlos. 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 San Carlos drivers with accidents on their records

In San Carlos getting into an accident will raise premiums an average 32% for a yearly cost of $2,536. That's $816 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 $809 over the competition.

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

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $714 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 Carlos, tickets raise premiums on new quotes about $604. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,324 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,392 per year in auto insurance premiums, which was $673 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 $817 less each year.

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

In San Carlos, State Farm costs young drivers $1,244 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 San Carlos. With an average cost of $4,764 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 San Carlos

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $59. State Farm, Geico, and Chubb provided the largest discounts to couples living in San Carlos.

State Farm gave the largest car insurance discounts to married couples, averaging $470 saved each year compared to an average San Carlos couple's premiums.

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

People with poor credit saved an average of $514 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $694 every year. Premiums for people with poor credit were about $2,413 in San Carlos. 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 San Carlos car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In San Carlos, 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 San Carlos.

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 14% of San Carlos 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 Carlos 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 San Carlos, 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 San Carlos

What Influences the Cost of Car Insurance in San Carlos?

On average, car insurance in San Carlos 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 Carlos is 33 minutes, which is about the national average for a driver in the state.
  • 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 San Carlos are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • San Carlos 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 Carlos is $85 per month for minimum coverage and $143 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

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