Best Cheap Auto Insurance in San Marcos, Texas (2024)

Drivers in San Marcos, Texas, pay an average of $115 for liability-only insurance and $236 per month for full-coverage policies.

Nestled between San Antonio and Austin, San Marcos offers residents an abundance of outdoor options, art, and culture. The city has an estimated population of 70,301 and a cost of living that’s 3% lower than the national average. This could be why San Marcos car insurance tends to be more affordable than the statewide average of $184.

If you’re looking for cheap car insurance in San Marcos, learn more about the top insurance companies and the factors that influence your rate.

Find Cheap Car Insurance in San Marcos

Check quotes from 100+ top insurance companies

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Best car insurance companies in San Marcos

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

Check out several different companies to find a good deal that matches what you’re looking for.

Best insurer for teen drivers: State Farm

Best insurer for liability-only coverage: GEICO

Best insurer for full coverage: Allstate

Cheapest liability-only car insurance in San Marcos

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]

State Farm offers the cheapest liability-only coverage in San Marcos. The following table illustrates the range of monthly quotes from different insurers offering liability insurance in the city. 

Cheapest full-coverage car insurance in San Marcos

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 $236. 

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

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.

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:

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  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.

• 

  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.

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 overall average of $241 per month for car insurance, compared to $176 for drivers with a clean record. Here’s how each type of driving incident can affect your insurance premiums in San Marcos.

Compare Car Insurance Rates in San Marcos

Check quotes from 100+ top insurance companies

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket

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 $163 per month for liability-only insurance. If you’ve gotten a speeding ticket in San Marcos, here’s where to find the cheapest car insurance.

Cheapest car insurance for drivers with an at-fault accident

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 can expect to pay a monthly average of $173 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.

Cheapest car insurance for drivers with a DUI

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 $196 for state-minimum coverage. If you have a DUI in Texas, you can find the cheapest monthly car insurance quotes from the following insurers.

Cheapest car insurance for seniors

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 75.

Senior drivers in San Marcos pay $82 per month for a liability-only policy. Below are the insurers offering the cheapest car insurance quotes to seniors in San Marcos.

Cheapest car insurance for teens

Young drivers tend to 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 $196 per month, on average. 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.

Below are the companies that offer the cheapest car insurance for teens in San Marcos.

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 Car Insurance in San Marcos

Check quotes from 100+ top insurance companies

Enter your ZIP codeSee My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

San Marcos car insurance quotes by credit tier

In the state of Texas, insurance companies can use credit scores as part of their risk assessment. But there are specific rules around using credit scores. For example, your credit score 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 or excellent credit, rates are more affordable.

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 $236 per month, according to Insurify data.

Compare that to the state average in Texas, where liability coverage has an average cost of $119 per month, while full coverage costs an average of $249 per month.

Compared to most other cities in Texas, San Marcos offers more affordable coverage. Austin is the only city that’s slightly more affordable, at $235 per month for full coverage. Crime, population, ZIP code, and more influence rates locally.

More cities in Texas

San Marcos has some of the cheapest car insurance in Texas. Houston has some of the most expensive, with a cost that’s 32% higher than in San Marcos, at $229 per month. Plano car insurance is about on par with San Marcos, while Austin car insurance is 3% cheaper.

San Marcos car insurance FAQs