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Get Cheap Car Insurance in San Elizario, TX

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

 

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The Cheapest Minimum Coverage in San Elizario

The chart below shows the cheapest car insurance company in San Elizario 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 Elizario Insurer Monthly Cost
Clearcover $51
Mile Auto $66
Progressive $68
State Farm $73

Savings for Every Kind of San Elizario Driver

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

Based on our extensive insurance data, we know the average San Elizario 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 $403 per year by choosing the right vehicle insurance company. Some San Elizario residents are paying out over $1,958 extra every year for auto insurance in San Elizario. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

San Elizario Car Insurance vs. Texas

People living in San Elizario pay an average of 0.19% more than the typical driver in the state. The average driver in San Elizario can expect to pay about $1,166 per year, or $1,958 for full coverage.

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

Car Insurance Prices by San Elizario Neighborhood

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

Insurance Prices

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Where is insurance cheapest within San Elizario?

The map shows insurance prices in and around San Elizario, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $394 per year within the city boundaries, with insurance premiums ranging from a high of $2,077 to a low of $1,683. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of San Elizario.

Pick the Best Car Insurance Company for You in San Elizario

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

The best car insurance provider for most drivers in San Elizario

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $403 over the average San Elizario car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in San Elizario. 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 Elizario drivers with accidents on their records

In San Elizario getting into an accident will raise premiums an average 32% for a yearly cost of $2,887. That's $930 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 $922 over the competition.

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

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $813 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 Elizario, tickets raise premiums on new quotes about $688. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,646 per year.

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

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,724 per year in auto insurance premiums, which was $766 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 $931 less each year.

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

In San Elizario, State Farm costs young drivers $1,417 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 Elizario. With an average cost of $5,425 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 Elizario

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $67. State Farm, Geico, and Chubb provided the largest discounts to couples living in San Elizario.

State Farm gave the largest car insurance discounts to married couples, averaging $535 saved each year compared to an average San Elizario couple's premiums.

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

People with poor credit saved an average of $585 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $791 every year. Premiums for people with poor credit were about $2,748 in San Elizario. 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 Elizario car insurance company for customer service

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

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

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 31% of San Elizario 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 Elizario 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 Elizario, 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 Elizario

What Influences the Cost of Car Insurance in San Elizario?

On average, car insurance in San Elizario is more expensive than the rest of the state. These high 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 Elizario is 42 minutes, which is far more than 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 Elizario 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 Elizario is one of the least populated areas in the state. The city’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 San Elizario is $97 per month for minimum coverage and $163 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 Elizario driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central San Elizario 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.