Cheapest Auto Insurance in San Marcos, Texas (2024)

State Farm has the cheapest liability insurance in San Marcos, with a rate of $37 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated May 23, 2024

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Cheapest recent rates near San Marcos, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/mo for full coverage in San Marcos and other Texas cities.

*Quotes generated for Insurify users in and around San Marcos, Texas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Marcos, Texas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in San Marcos, Texas, pay an average of $115 per month for liability-only insurance and $242 per month for full-coverage policies.

Nestled between San Antonio and Austin, San Marcos has an estimated population of about 70,000 and lower crime rates than larger Texas cities. This may explain why San Marcos car insurance rates are marginally more affordable than the statewide averages of $119 per month for liability coverage and $251 for full-coverage insurance.

If you’re looking for cheap car insurance, you should compare quotes and coverage options from multiple auto insurers. Here’s what you need to know about finding the best auto coverage in San Marcos for your insurance needs.

Quick Facts
  • State Farm, GEICO, and Allstate have the cheapest liability insurance in San Marcos.

  • Drivers in San Marcos pay slightly higher car insurance rates than the national average rates of $104 for liability only and $215 for full coverage.

  • San Marcos drivers pay a yearly average of $2,904 for full-coverage insurance.

3 of the cheapest car insurance companies in San Marcos

The type of policy you get will vary by company and depend on your needs. If you’re looking for cheap car insurance, here are three of the top San Marcos car insurance companies offering affordable coverage options.

Start your search below, but check out several different companies to find a good deal that matches what you’re looking for. The quotes provided below reflect statewide average rates in Texas.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$64$38Teen drivers
GEICO4.4$69$42Liability-only coverage
Allstate4.4$90$54Full coverage
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$62/mo

State Farm is an insurer with a long history, with low rates for liability and full-coverage car insurance, plus special discounts for teen drivers.

Pros
  • Multiple teen driver discounts

  • Insurance agents available to help

Cons
  • Agents can only sell State Farm policies

  • Low customer review ratings on Better Business Bureau (BBB) website

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for liability-only coverage: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

GEICO is an affordable insurance company with low rates for liability insurance in San Marcos. It also offers multiple discounts for increased savings.

Pros
  • Safety discounts available

  • Bundling options to save more

Cons
  • Below-average J.D. Power customer satisfaction rating in Texas

  • Complaints on Trustpilot about claims process

Read our GEICO review
Kimberly - May 22, 2024
Verified

Never Again

They are horrible at handling claims and make you feel bad.

Anita - May 22, 2024
Verified

Excellent

Good customer service. Megan Burrell is very helpful and professional.

Charles - May 22, 2024
Verified

Good Insurance

Awesome.

Best insurer for full coverage: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo

Allstate has affordable full-coverage options in San Marcos and add-ons like roadside assistance coverage.

Pros
  • Roadside coverage available

  • Pay-per-mile option available

Cons
  • Complaints about claims process on Trustpilot

  • Below-average J.D. Power customer satisfaction rating in Texas

Read our Allstate review
Roberta - May 22, 2024
Verified

Good

Allstate is good, however, I was looking for cheaper insurance.

Mikayla - May 22, 2024
Verified

Allstate's Higher Renewal Prices

They are an insurance company like the rest of them. Just like other insurance providers, they offer lower rates to attract your business. However, as always, when it's time for renewal, the prices just get higher, regardless of your driving record.

Wilford - May 21, 2024
Verified

Disappointed

It's expensive, but the same as all others.

How to get the cheapest car insurance in San Marcos

If you’re looking for coverage that fits your budget, here are some tips for getting the cheapest car insurance in San Marcos:

  • Maintain a good driving record. A number of factors determine car insurance rates, but your driving history is one of the most important. To get low rates, avoid speeding, driving under the influence, and distracted driving.

  • Compare multiple options. Review car insurance coverage from several companies and compare different rates, pros and cons, and available discounts.

  • Bundle insurance. You may qualify for lower rates if you bundle your auto insurance with another insurance policy from the same company, such as homeowners insurance or renters insurance. Look into what other insurance products your company offers.

Find Cheap Car Insurance in San Marcos

Liability quotes start at $37 per month

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Cheapest liability-only car insurance in San Marcos: State Farm

Texas requires all drivers to carry liability coverage, and you must meet certain minimum levels of coverage. This type of insurance pays for expenses incurred by another party in an accident you cause. The main drawback is that liability insurance doesn’t protect you as the driver or your property if you’re responsible for an accident.[1]

On average, liability-only coverage in San Marcos costs $115 per month. The following table illustrates the range of monthly quotes from different insurers offering liability insurance in the city. 

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm37
GEICO40
Allstate52
Mile Auto52
Hugo54
USAA65
Safeco78
Nationwide83
Mercury87
Midvale Home & Auto94
Progressive94
Dairyland100
Clearcover107
Chubb112
National General116
Liberty Mutual121
Elephant123
Direct Auto127
21st Century129
Commonwealth Casualty130
The General137
GAINSCO148
Bristol West153
State Auto171
AssuranceAmerica172
Infinity184
Hallmark204
Foremost210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in San Marcos: State Farm

Texas drivers must have liability insurance. But that only covers the minimum, and drivers who want coverage for a range of incidents should consider full-coverage car insurance. That means in addition to getting the mandated liability coverage, you secure comprehensive and collision coverages.

Getting full coverage can offer protection if you’re in an accident or your vehicle is damaged from another event. The average monthly cost of a full-coverage policy in San Marcos is $242. 

The following insurers offer the cheapest full-coverage car insurance in San Marcos.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm62
GEICO66
Allstate87
Mile Auto108
USAA109
Clearcover137
Hugo139
Mercury139
Nationwide157
Safeco164
Progressive165
Midvale Home & Auto168
Chubb186
Elephant206
21st Century215
AssuranceAmerica229
Liberty Mutual253
Direct Auto257
National General257
Dairyland259
Infinity287
The General287
Bristol West305
State Auto311
GAINSCO323
Commonwealth Casualty339
Foremost429
Hallmark444
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

Texas drivers must obtain minimum levels of liability insurance, including bodily injury and property damage coverage.[2] The levels required are outlined below, but you may also consider getting higher levels of coverage.

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

Texas is an at-fault state and requires drivers to pay for damage and injuries they cause.[3] If you want to protect yourself, you can consider getting other types of coverage:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for property damage to your vehicle if there’s an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damage to your vehicle from non-collision events, including vandalism, flood, theft, and more.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This coverage offers protection to help cover gaps if you’re involved in an accident with a driver who’s not insured or who doesn’t have sufficient insurance coverage to pay for your damages and injuries. UI/UIM insurance can also pay for damages from a hit-and-run accident.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    PIP coverage pays for your medical expenses and covers lost wages. This is included in Texas auto policies unless you decline it in writing.

Good to Know

As part of getting car insurance, Texas state law requires insurance companies to provide you with a Consumer Bill of Rights.[4]

Cheapest car insurance for drivers with an incident

Whenever you drive, you’re engaging in some level of risk. It’s ideal to have a driving record without any incidents, but sometimes, one second can change everything.

If you look over at a text on your phone, you could get into an at-fault accident. You might think you’re not driving that fast, not realizing that you’re going above the limit, and get a speeding ticket.

Also, whether legal or illegal substances, driving under the influence can affect your cognition and driving ability, possibly leading to a DUI conviction. 

In San Marcos, drivers with an incident on their motor vehicle records pay an average of $158 per month for liability car insurance and $333 for full coverage. For comparison, drivers with a clean record in San Marcos pay $115 per month for liability and $242 for full-coverage insurance.

Here’s how each type of driving incident can affect your insurance premiums in San Marcos.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

One of the ways drivers stay safe on the road is by following the rules. That means turning on your blinkers when making a turn or changing lanes and adhering to the posted speed limit. When you deviate from the rules, it can put others at risk. Speeding or driving too fast can mean shorter reaction times and can increase the risk of an accident.

If you get pulled over because of speeding, you may get a ticket and a fine. What you pay generally depends on your speed relative to the limit. But that’s just the start of what you’ll pay, as you may end up paying more for car insurance coverage as well.

San Marcos drivers with a speeding ticket in their history pay an average of $165 per month for liability-only insurance. If you’ve gotten a speeding ticket in San Marcos, here’s where to find the cheapest liability car insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3748
GEICO4052
Allstate5267
Mile Auto5273
Hugo5474
USAA6584
Safeco78103
Nationwide83109
Mercury87121
Midvale Home & Auto94126
Progressive94122
Dairyland100131
Clearcover107140
Chubb112147
National General116166
Liberty Mutual121173
Elephant123176
Direct Auto127167
21st Century129172
Commonwealth Casualty130186
The General137180
GAINSCO148212
Bristol West153197
State Auto171241
AssuranceAmerica172228
Infinity184248
Hallmark204265
Foremost210301
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

A total of 244,092 people were injured in car accidents in Texas in 2022, with accidents occurring every 57 seconds, according to data from the Texas Department of Transportation.[5] An at-fault accident may lead to car damage, injury, and even death — as well as higher car insurance rates.

Having an at-fault accident on your record typically affects rates for a few years. During this time, San Marcos drivers with an at-fault accident pay a monthly average of $176 for liability-only coverage.

To find the most competitive insurance coverage after an at-fault accident, here are some of the top insurers in San Marcos for liability insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3751
GEICO4055
Allstate5272
Mile Auto5279
Hugo5472
USAA6590
Safeco78104
Nationwide83116
Mercury87127
Midvale Home & Auto94137
Progressive94132
Dairyland100138
Clearcover107157
Chubb112155
National General116159
Liberty Mutual121182
Elephant123167
Direct Auto127179
21st Century129182
Commonwealth Casualty130177
The General137193
GAINSCO148198
Bristol West153208
State Auto171260
AssuranceAmerica172238
Infinity184251
Hallmark204273
Foremost210316
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

In Texas, driving under the influence (DUI) or driving while intoxicated (DWI) can result in fines, jail time, and a suspended license. The severity will depend on the offense and whether it’s your first time or you have multiple convictions.[6]

After getting a DUI/DWI, car insurance rates spike. Driving while on any substances is a major risk for the driver, any passengers, and others on the road. This added risk may lead to car insurance coverage that’s twice as expensive as rates with a clean record. Some insurers may even cancel your existing coverage or refuse to insure you altogether.

In San Marcos, drivers with a DUI conviction pay a monthly average of $199 for state-minimum coverage. If you have a DUI in Texas, you can find the cheapest monthly liability insurance quotes from the following insurers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3763
GEICO4068
Allstate5289
Mile Auto5281
Hugo5492
USAA65111
Safeco78133
Nationwide83141
Mercury87134
Midvale Home & Auto94160
Progressive94160
Dairyland100170
Clearcover107182
Chubb112191
National General116198
Liberty Mutual121206
Elephant123210
Direct Auto127216
21st Century129220
Commonwealth Casualty130221
The General137233
GAINSCO148252
Bristol West153261
State Auto171291
AssuranceAmerica172293
Infinity184313
Hallmark204348
Foremost210358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Mature drivers typically have fewer car accidents and may be considered less risky to insure, leading to low rates. Starting at age 35, car insurance rates decrease as drivers gain more experience. Seniors may obtain affordable coverage but may see increases starting at age 70.

Senior drivers in San Marcos pay $83 per month for a liability-only policy and $174 for full-coverage insurance. Below are the insurers offering the cheapest car insurance quotes to seniors in San Marcos.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm2745
GEICO3049
Hugo3692
Mile Auto3776
Allstate3965
USAA4881
Nationwide58109
Safeco59123
Mercury6197
Progressive63110
Midvale Home & Auto66119
Dairyland75194
Chubb76127
Clearcover80102
National General87193
Liberty Mutual89186
21st Century90150
Elephant90151
Direct Auto91184
Commonwealth Casualty96250
The General105220
GAINSCO113246
Bristol West114228
AssuranceAmerica121162
State Auto123223
Infinity129201
Hallmark144314
Foremost153312
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Young drivers pay the most for car insurance coverage. Teen drivers lack the same experience behind the wheel compared to older drivers. Additionally, data from the Centers for Disease Control and Prevention (CDC) shows that young people typically have a higher risk of fatal accidents due to risky driving behavior.[7]

A liability-only policy for teen drivers in San Marcos costs $197 per month, on average. Full-coverage insurance costs $415 per month for teens in the city.

Teen drivers in San Marcos should consider getting on the same insurance plan as their family and looking for insurers that offer multiple student discounts. Here are the companies that offer the cheapest car insurance for teens in San Marcos.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
GEICO61101
State Farm61102
Allstate89148
Hugo92237
Mile Auto98204
USAA105176
Nationwide138261
Mercury155247
Midvale Home & Auto160285
Safeco160336
Dairyland164423
Progressive166291
Elephant198332
Chubb201334
Clearcover203260
21st Century209349
National General211468
The General216453
Liberty Mutual220460
Commonwealth Casualty225587
Direct Auto226458
Bristol West254507
GAINSCO259564
State Auto295537
AssuranceAmerica312415
Infinity329513
Hallmark354770
Foremost363741
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

San Marcos car insurance quotes by credit tier

In the state of Texas, insurance companies can use credit-based insurance scores as part of their risk assessment, but insurers have to follow specific rules. For example, your credit history can’t be the only factor an insurer considers when setting your rates. And companies can’t reject you or increase rates if a major life change, such as divorce or job loss, affects your credit.[8]

Texas drivers with poor credit scores typically pay higher rates. For drivers with good credit, rates are more affordable.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in San Marcos?

Car insurance in San Marcos is more affordable than in some other cities in Texas and is close to the national average. In San Marcos, liability car insurance has an average cost of $115 per month, and full-coverage has an average cost of $242 per month, according to Insurify data.

The state averages in Texas are $119 per month for liability coverage and $251 for full-coverage insurance. Compared to most other cities in Texas, San Marcos offers more affordable coverage — likely due to the city’s lower population density and crime rates. For example, San Antonio had reports of 7,781 motor vehicle thefts in 2019, while San Marcos had 126, according to FBI crime data.[9]

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More cities in Texas

San Marcos has some of the cheapest car insurance in Texas. See how it compares to some other cities in the Lone Star State.

CityLiability OnlyFull Coverage
Arlington$126$254
Austin$128$240
Corpus Christi$122$231
Dallas$137$284
El Paso$93$219
Fort Worth$123$245
Houston$170$320
Irving$132$272
Plano$124$244
San Antonio$125$246
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

San Marcos car insurance FAQs

If you’re shopping for car insurance in San Marcos, Texas, this additional information may help as you research your coverage options.

  • How much is car insurance in San Marcos, Texas?

    Car insurance in San Marcos costs $115 per month for liability-only coverage and $242 per month for full coverage, according to Insurify data. How much you pay for car insurance will ultimately depend on your driving record and chosen coverage amounts.

  • Which company has the cheapest car insurance in San Marcos?

    State Farm, GEICO, and Allstate have the cheapest car insurance in San Marcos, at $37, $40, and $52 per month, respectively, for liability coverage. But the cheapest insurer for you will depend on many factors, including your age, ZIP code, type of car you drive, and more.

  • What are the best car insurance companies in San Marcos?

    State Farm is one of the best car insurance companies in San Marcos, with an Insurify Quality (IQ) Score of 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance in Texas from State Farm is $38 per month for liability coverage and $64 for full-coverage insurance. Other top insurance companies to consider include GEICO and Allstate.

  • What is the minimum car insurance required in Texas?

    To drive legally in Texas, you must carry minimum car insurance coverage of $30,000 per person and $60,000 per accident of bodily injury liability, as well as $25,000 of property damage liability.

  • Is Texas a no-fault state?

    No. Texas is an at-fault state, which means the driver who causes an accident is responsible for covering the damages they cause to other people and their property.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Texas Department of Insurance. "Automobile insurance guide."
  3. Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
  4. Texas Department of Insurance. "Consumer Bills of Rights."
  5. Texas Department of Transportation. "Texas Motor Vehicle Traffic Crash Facts."
  6. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  7. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
  8. Texas Department of Insurance. "Credit Scoring and Insurance."
  9. Federal Bureau of Investigation. "Texas Offenses Known to Law Enforcement by City, 2019."
Melanie Lockert
Melanie Lockert

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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