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Finding the cheapest car insurance quotes in San Patricio shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in San Patricio
The car insurance rate in San Patricio is $976 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $693, making it a popular choice for budget-conscious drivers. Rates in San Patricio can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $693 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Encompass
Encompass offers auto
insurance rates at $751 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $751
for six months, making it
the third cheapest auto insurance company in San Patricio.
San Patricio Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in San Patricio, NM is USAA, offering policies at just $693 for a six-month term. This is followed by Encompass, which has an average six-month premium of $751.
At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1065 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Patricio drivers find the best deals.
Way's key takeaways about car insurance in San Patricio
The auto insurance costs in San Patricio fall around $693 for six
months.
The cheapest auto insurance company in San Patricio is Central Mutual.
Teen drivers pay the highest rate in San Patricio at $696 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in San Patricio
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in San Patricio are given below.
Central Mutual provides
the cheapest minimum car insurance
coverage in San Patricio. Their Average 6 Month Premium is $123.
Allstate is the most
expensive at $518 for the same
period.
Cheapest Full Coverage Car Insurance in San Patricio
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in San Patricio is USAA
at $117 per month and $693
for six months.
Cheapest Full Coverage Car Insurance Quotes in San Patricio,
NM
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Average Car Insurance in San Patricio by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in San Patricio, NM increasing?
Despite maintaining a clean driving record, your car insurance rates
in San Patricio, New Mexico, may be increasing due to several external factors.
New Mexico has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, San Patricio's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in San Patricio
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
30s
MetLife
$573
40s
MetLife
$535
50s
MetLife
$492
60s
MetLife
$467
70s
MetLife
$608
Cheapest Car Insurance Rates for Teen Drivers in
San Patricio,NM
If you are planning to get a car insurance policy for your teenage
dependent, Central Insurance provides the cheapest car
insurance in the San Patricio at $30
per
month. At $4133 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties MetLife is
the best choice for car
insurance in San Patricio.
As young drivers face the highest rates in San Patricio, MetLife
offers the cheapest auto insurance rates at $573 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in San Patricio,
Kemper is
the cheapest car insurance provider. At $320 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
San Patricio is State Farm, offering
rates of around $2742 for six
months.
Save up to $971/yr on car insurance rates in San Patricio.
Car Insurance Rates with An Accident in San Patricio
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In San Patricio, NM,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in San Patricio
The cheapest car insurance companies after an at-fault accident in
San Patricio include Central Mutual
and Central Insurance, offering $123
and $262,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2067.
Here is a list of driving violations that can increase your car
insurance rates in San Patricio NM. For example, the car
insurance in San Patricio
after a DUI increases to $919 for a six
month policy. While the rate increases by $204 for a six-month policy in the case of
a speeding ticket.
San Patricio auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$984
$164
One Med/PIP claim
$996
$170
Not-at-fault accident
$1024
$171
One comp claim
$1030
$175
Two Med/PIP claims
$1042
$173
Two comp claims
$1071
$182
Failure to show documents
$1083
$180
Failure to wear a seat belt
$1089
$185
Child safety restraint
$1129
$188
Driving without lights
$1129
$192
In 65 MPH zone
$1164
$194
Cell phone violation
$1170
$199
Texting while driving
$1170
$195
At-fault accident - less than $1000
$1176
$200
Driving with expired registration
$1176
$196
Speeding 11 - 15 MPH over limit
$1188
$202
Speeding 16 - 20 MPH over limit
$1188
$198
Speeding 6 - 10 MPH over limit
$1188
$202
Driving too slowly
$1194
$199
Failure to stop at a red light
$1194
$203
Failure to yield
$1194
$199
Following too closely
$1194
$203
Illegal turn
$1194
$199
Improper passing
$1194
$203
Speeding in school zone
$1194
$199
Wrong way/wrong lane
$1194
$203
Passing school bus
$1211
$202
Operating a vehicle without permission
$1228
$209
Speeding 21 - 25 MPH over limit
$1228
$205
Open container
$1368
$232
At-fault accident - $1000-$2000
$1392
$232
At-fault accident - greater than $2000
$1403
$238
Reckless driving
$1822
$304
Driving with a suspended license
$1828
$311
Refusal to submit to a chemical test
$1851
$309
DUI
$1903
$323
Racing
$1944
$324
Leaving scene of an accident/hit and run
$1956
$332
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in San Patricio after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in San Patricio.
The cheapest car insurance premiums in
San Patricio are
offered by Kemper at $315 for a six-month policy.
However, it can be as
expensive as $2095 with companies
like Farm Bureau.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in San Patricio are offered by Iowa Farm Bureau
at $239. However,
it can be as expensive as $3150
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in San Patricio after Speeding ticket
Car Insurance Price Trends in San Patricio,
New Mexico
Car insurance rates in San Patricio have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the San Patricio rose by
$189 in December
compared to $185 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the San Patricio rose to $45 in December,
compared to $42 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in San Patricio by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
San Patricio. At $1952 for a
six-month policy, insuring
your car at 88348 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in San Patricio?
The car insurance in San Patricio is $21 per month, which is lower than the national average.
What is the cheapest car insurance in San Patricio?
The cheapest car insurance in San Patricio
is $117 per month
for full coverage.
How much is car insurance in San Patricio for teenagers?
Car insurance for teenagers costs $180 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
San Patricio?
The average cost of car insurance is $996 for a six-month
policy. It will cost around $164 per month to insure your
car in San Patricio.
Is car insurance expensive in San Patricio?
Car insurance can be expensive in San Patricio if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in San Patricio can be
affordable.
What is the best car insurance in San Patricio,
NM?
The best car insurance company in San Patricio
NM is
USAA, offering $693 for a
six-month policy.
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San Patricio Car Insurance
