Drivers in San Marcos, Texas, pay an average of $115 per month for liability-only insurance and $221 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 $124 per month for liability coverage and $220 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.

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.

Best insurer for teen drivers: State Farm

Best insurer for liability-only coverage: GEICO

Best insurer for full coverage: Allstate

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.

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. 

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 $221. 

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:

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 $133 per month for liability car insurance and $255 for full coverage. For comparison, drivers with a clean record in San Marcos pay $115 per month for liability and $221 for full-coverage insurance.

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

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 $138 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.

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 $146 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.

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 $140 for state-minimum coverage. If you have a DUI in Texas, you can find the cheapest monthly liability insurance quotes from the following insurers.

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 $97 per month for a liability-only policy and $187 for full-coverage insurance. Below are the insurers offering the cheapest car insurance quotes to seniors in San Marcos.

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 $224 per month, on average. Full-coverage insurance costs $430 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.

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.

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 $221 per month, according to Insurify data.

The state averages in Texas are $124 per month for liability coverage and $220 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

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.