Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.
Allstate: Allstate is the eighth-best insurance company, with many Allstate customers in our survey reporting that they didn’t feel like they were in good hands. Allstate customers were particularly unhappy with the value they felt they got from Allstate, with many of them saying they wouldn’t recommend Allstate and didn’t plan to renew their policies.
Car insurance typically gets expensive after a DUI, so we checked rates for minimum coverage policies in this group. The average cost of car insurance in San Antonio after a DUI is $73 per month, or $876 annually. The cheapest insurer we found in the San Antonio metro area after a DUI was Southern County Mutual, with an average annual rate of $567 per year, or $47 per month.
How much car insurance costs depends on the amount of risk you pose to your auto insurance company. Remember, if you have an incident and make a claim on your insurance policy, your insurance company must pay – even if you’ve only paid them $1,000 in premiums and you make a claim that costs $100,000. If it’s more likely that you’ll need to make a number of claims on your car insurance, you’ll get charged more. It’s just the insurance company making sure they don’t lose money on your policy.
Couples on the same insurance policy can benefit from discounts for covering multiple cars and drivers together. But insurance for young drivers is never cheap, doubling the cost of a policy for just a couple, on average, according to NerdWallet research. We looked at rates in the Dallas metro area for a 50-year-old married couple, and compared costs against policies with both male and female 18-year-old drivers.
In San Antonio, the cheapest rate we found for a couple was from Nationwide, at $1,259 per year, on average. Nationwide also had the cheapest average rates when a teen driver was added to the policy, at $2,111 per year with a daughter and $2,355 per year with a son. Rates below are ranked in order of the cheapest for a couple without any additional drivers.
Drive Other Car insurance is similar to an Individual Named Insured Endorsement. If you need to borrow, test drive, rent, or lease a vehicle, Drive Other Car insurance will extend the coverages you’ve purchased for your commercial auto insurance policy - like Liability insurance, Physical Damage insurance, Medical Payments, and Uninsured Motorist Insurance, to a non-owned car.
Low Income: If your income is 100 to 400 percent of the national poverty rate ($11,490 - $45,960) for a single person, you may qualify for subsidized health insurance. In many cases this is not free health insurance but subsidized. This means you can get bronze-level health insurance for about $2570 per year through one of the state exchanges. Extremely low-income individuals and elderly persons often qualify for Medicare. If you paid the fine for 2014 you may still qualify for insurance via an exchange, even if it is not during the open-enrollment period, to avoid the fee in 2015.