120+ more*Quotes generated for Insurify users in and around San Marcos, Texas within the last 10 days. Last updated on June 1, 2026. 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Drivers in San Marcos, Texas, pay an average of $107 per month for liability-only insurance and $209 per month for full-coverage policies. San Marcos rates are in line with the average cost of insurance in Texas, which is $110 per month for liability coverage and $206 per month for full coverage, respectively.
San Marcos police reported more than 1,400 incidents in 2025 that could affect auto insurance rates, including accidents, property damage, reckless driving, abandoned vehicles, robbery, and theft.[1]
Where you live plays a big role in your average car insurance rates in Texas. A straight shot north on Interstate 35 is Austin, the closest major city to San Marcos. It has much higher average rates, at $119 per month for liability coverage and $210 per month for full coverage.
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The most affordable car insurance in San Marcos for liability coverage is State Farm, at $43 per month. The insurance company with the lowest rates for full coverage is State Farm, at $83 per month.
Liability-only coverage meets the minimum Texas car insurance requirements, which include bodily injury liability and property damage liability coverage.[2] Drivers in San Marcos may consider adding collision coverage and comprehensive coverage, as the city has a history of severe hailstorms, including one in May 2025 that produced baseball-sized hail.
In Texas, the minimum amount of coverage doesn’t cover weather damage to your car.
Below, you’ll find the cheapest liability-only coverage and full-coverage car insurance rates in San Marcos.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $43 | $83 |
| Allstate | $61 | $118 |
| Mile Auto | $63 | $133 |
| Progressive | $65 | $121 |
| GEICO | $70 | $146 |
| USAA | $78 | $149 |
| Mercury | $86 | $137 |
| First Acceptance | $89 | $216 |
| The General | $91 | $202 |
| Alinsco | $93 | $180 |
| Lone Star | $95 | $224 |
| Freedom National | $96 | $251 |
| Nationwide | $97 | $188 |
| Commonwealth Casualty | $98 | $216 |
| Dairyland | $99 | $240 |
| GAINSCO | $100 | $191 |
| Bristol West | $102 | $195 |
| Clearcover | $102 | $175 |
| Root | $103 | $167 |
| Mendota | $105 | $205 |
| Covercube | $106 | $244 |
| AssuranceAmerica | $108 | $203 |
| Sun Coast | $114 | $226 |
| Safeco | $115 | $167 |
| Direct Auto | $116 | $180 |
| National General | $117 | $192 |
| Loop | $121 | $220 |
| Elephant | $122 | $186 |
| Chubb | $131 | $253 |
| Trexis One | $135 | $275 |
| 21st Century | $152 | $292 |
| Liberty Mutual | $187 | $266 |
Dallas is one of the most expensive cities in Texas for auto insurance, while Killeen has some of the cheapest rates. Car insurance quotes in San Marcos are generally lower than those you’ll find in larger cities, like nearby Austin.
But San Marcos’ location on I-35 between San Antonio and Austin is one of the busiest sections of the highway.[3] In 2024, there were more than 1,300 crashes in San Marcos.[4] The level of crashes and traffic in the area can affect the cost of car insurance in San Marcos.
Check out the average monthly quotes for auto insurance by city in the table below:
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
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San Marcos is one of the fastest-growing cities in Texas, attracting retirees and college students alike. But you have a few things to consider when driving through the city:
Parking in downtown San Marcos: The historic downtown is home to retail, small businesses, and local government, which can make parking difficult. The city uses license-plate recognition for parking enforcement, and much of the parking is valid for only two hours at a time.
Public transportation: If you want to avoid the parking conundrum, San Marcos offers free fixed-route busing from 7 a.m. to 6 p.m. Monday through Friday and complimentary on-demand paratransit service for anyone with a qualifying medical condition or disability.
Interstate 35: This major highway runs right through San Marcos. Congestion from commuters on this thoroughfare can affect traffic and cause car accidents in the city.
Weather: San Marcos is susceptible to tornadoes, hailstorms, and wildfires. Knowing that you may be vulnerable to these hazards may affect how you drive and the type of coverage you purchase.
College community: San Marcos is home to Texas State University’s largest campus, which is the fifth-largest university in the state. Every fall, 34,000 students descend on the city, which means young, inexperienced drivers on the road.
Drivers with a clean driving history pay lower insurance rates than drivers with an incident on their record. According to Insurify data, 5.99% of San Marcos drivers have a car accident on their record. San Marcos has a diligent police force, with just less than 2,000 traffic stops recorded through February 2026.[5]
Texas is an at-fault state, meaning that in a car accident, the driver who caused the collision is responsible for paying for damages, including property damage and medical payments.[6] Finding affordable car insurance in San Marcos after an incident can be tricky, but it’s not impossible.
Below, you’ll find the average monthly quote for San Marcos auto insurance by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $158 |
| Speeding ticket | $198 |
| At-fault accident | $210 |
| DUI | $218 |
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Because of their inexperience behind the wheel, Texas teen drivers pay the highest car insurance rates of any demographic, while senior drivers tend to have the lowest.
San Marcos has a thriving retiree community, with 10.8% of the population aged 65 or older, who likely enjoy low-cost auto coverage and insurance discounts.
Teens ages 15–17 can get a learner’s permit in Texas. The state requires only six hours of driver education.[7]
In the table below, you’ll find the cheapest car insurance rates for San Marcos drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $231 |
| 20s | $156 |
| 30s | $126 |
| 40s | $119 |
| 50s | $109 |
| 60s | $99 |
| 70+ | $103 |
*Quotes generated for Insurify users in and around San Marcos, Texas within the last 10 days. Last updated on June 1, 2026. 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 June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for the best cheap San Marcos car insurance, the answers to the following questions can help.
Drivers in San Marcos, Texas, pay an average of $107 per month for liability-only insurance and $209 per month for full-coverage policies. Your specific insurance costs will depend on a number of factors, including deductibles, insurance discounts, and coverage options.
State Farm offers the cheapest car insurance quotes in San Marcos, at an average rate of $43 per month for liability coverage.
All drivers in Texas are legally required to carry auto insurance or other proof of financial responsibility. If the police pull you over while your coverage is lapsed, they can write you a ticket and fine you up to $350. If it happens a second time, the police may fine you up to $1,000 and suspend your license.[8]
Severe weather in San Marcos can affect car insurance rates, since the area is prone to tornadoes, hailstorms, and wildfires. Liability insurance doesn’t necessarily cover these hazards, so you may want to purchase additional coverage for your vehicles for added peace of mind.
Also, the large number of college students and San Marcos’ location on busy I-35 mean a high volume of accidents, which increases rates.
You can lower your car insurance in San Marcos by increasing your deductibles, keeping your driving record clean, and taking advantage of insurance discounts, such as affinity discounts, defensive driver discounts, and discounts for bundling homeowners insurance or renters insurance with your auto policy.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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