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Finding the cheapest car insurance quotes in Fort Sam Houston 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 Fort Sam Houston
The car insurance rate in Fort Sam Houston is $1099 for a six-month policy, which is $52 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $698, making it a popular choice for budget-conscious drivers. Rates in Fort Sam Houston 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.
Cheapest Car Insurance Companies in Fort Sam Houston
1st place: Texas Farm Bureau
At $698 for a six
month policy, Texas Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Mercury
Mercury offers auto
insurance rates at $830 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 $855
for six months, making it
the third cheapest auto insurance company in Fort Sam Houston.
Fort Sam Houston Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Fort Sam Houston, TX is Texas Farm Bureau, offering policies at just $698 for a six-month term. This is followed by Mercury, which has an average six-month premium of $830.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1192 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Sam Houston drivers find the best deals.
Cheap Car Insurance Companies in Fort Sam Houston, TX
Way's key takeaways about car insurance in Fort Sam Houston
The auto insurance costs in Fort Sam Houston fall around $698 for six
months.
The cheapest auto insurance company in Fort Sam Houston is Texas Farm Bureau.
Teen drivers pay the highest rate in Fort Sam Houston at $77 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 Fort Sam Houston
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 Fort Sam Houston are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Fort Sam Houston. Their Average 6 Month Premium is $268.
Germania is the most
expensive at $449 for the same
period.
Cheapest Liability Coverage in Fort Sam Houston, TX
Cheapest Full Coverage Car Insurance in Fort Sam Houston
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 Fort Sam Houston is Texas Farm Bureau
at $118 per month and $698
for six months.
Cheapest Full Coverage Car Insurance Quotes in Fort Sam Houston,
TX
Get Your Car Insurance Quote in Fort Sam Houston
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Average Car Insurance in Fort Sam Houston 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 Fort Sam Houston, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Fort Sam Houston, Texas, may be increasing due to several external factors.
Texas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Fort Sam Houston's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Fort Sam Houston
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
Texas Farm Bureau
$734
40s
Nationwide
$729
50s
Texas Farm Bureau
$650
60s
Texas Farm Bureau
$601
70s
Texas Farm Bureau
$645
Cheapest Car Insurance Rates for Teen Drivers in
Fort Sam Houston,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Fort Sam Houston at $59
per
month. At $462 for a six-month premium,
Geico County Mutual offers the most expensive rate for
teen drivers.
If you are in your twenties Texas Farm Bureau is
the best choice for car
insurance in Fort Sam Houston.
As young drivers face the highest rates in Fort Sam Houston, Texas Farm Bureau
offers the cheapest auto insurance rates at $734 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 Fort Sam Houston,
Mercury is
the cheapest car insurance provider. At $543 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
Fort Sam Houston is State Farm, offering
rates of around $4709 for six
months.
Save up to $971/yr on car insurance rates in Fort Sam Houston.
Car Insurance Rates with An Accident in Fort Sam Houston
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 Fort Sam Houston, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Fort Sam Houston
The cheapest car insurance companies after an at-fault accident in
Fort Sam Houston include Redpoint Insurance
and Southern County Mutual, offering $356
and $431,
respectively. National General is an expensive provider
with an average six-month premium of
$605.
Here is a list of driving violations that can increase your car
insurance rates in Fort Sam Houston TX. For example, the car
insurance in Fort Sam Houston
after a DUI increases to $823 for a six
month policy. While the rate increases by $193 for a six-month policy in the case of
a speeding ticket.
Fort Sam Houston auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1347
$225
One Med/PIP claim
$1360
$231
One comp claim
$1428
$238
Not-at-fault accident
$1441
$245
Two Med/PIP claims
$1447
$242
Failure to show documents
$1497
$254
Driving with expired registration
$1509
$252
Two comp claims
$1521
$258
Cell phone violation
$1534
$256
Driving without lights
$1534
$260
Texting while driving
$1534
$256
Driving too slowly
$1540
$261
Speeding 11 - 15 MPH over limit
$1540
$257
Speeding 16 - 20 MPH over limit
$1540
$261
Speeding 6 - 10 MPH over limit
$1540
$257
Speeding in school zone
$1540
$261
Child safety restraint
$1547
$258
Failure to wear a seat belt
$1547
$263
In 65 MPH zone
$1553
$259
Failure to stop at a red light
$1559
$266
Failure to yield
$1559
$260
Following too closely
$1559
$266
Illegal turn
$1559
$260
Improper passing
$1559
$266
Speeding 21 - 25 MPH over limit
$1559
$260
Passing school bus
$1566
$267
Wrong way/wrong lane
$1566
$260
Operating a vehicle without permission
$1572
$268
At-fault accident - less than $1000
$1634
$272
Open container
$1840
$313
Driving with a suspended license
$1909
$318
Racing
$2021
$343
Reckless driving
$2021
$337
Leaving scene of an accident/hit and run
$2071
$352
At-fault accident - $1000-$2000
$2077
$347
Refusal to submit to a chemical test
$2139
$363
DUI
$2170
$362
At-fault accident - greater than $2000
$2258
$384
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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 Fort Sam Houston 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 Fort Sam Houston.
The cheapest car insurance premiums in
Fort Sam Houston are
offered by Mercury at $537 for a six-month policy.
However, it can be as
expensive as $3250 with companies
like Farmers.
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 Fort Sam Houston are offered by State Farm
at $486. However,
it can be as expensive as $3536
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Fort Sam Houston after Speeding ticket
Car Insurance Price Trends in Fort Sam Houston,
Texas
Car insurance rates in Fort Sam Houston have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Fort Sam Houston remained steady at $217 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Fort Sam Houston rose to $67 in December,
compared to $65 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Fort Sam Houston 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
Fort Sam Houston. At $N/A for a
six-month policy, insuring
your car at N/A 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 Fort Sam Houston?
The car insurance in Fort Sam Houston is $45 per month, which is lower than the national average.
What is the cheapest car insurance in Fort Sam Houston?
The cheapest car insurance in Fort Sam Houston
is $118 per month
for full coverage.
How much is car insurance in Fort Sam Houston for teenagers?
Car insurance for teenagers costs $356 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
Fort Sam Houston?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $186 per month to insure your
car in Fort Sam Houston.
Is car insurance expensive in Fort Sam Houston?
Car insurance can be expensive in Fort Sam Houston if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Fort Sam Houston can be
affordable.
What is the best car insurance in Fort Sam Houston,
TX?
The best car insurance company in Fort Sam Houston
TX is
Texas Farm Bureau, offering $698 for a
six-month policy.
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Fort Sam Houston Car Insurance
