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Finding the cheapest car insurance quotes in Santa Elena 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 Santa Elena
The car insurance rate in Santa Elena is $1141 for a six-month policy, which is $94 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $725, making it a popular choice for budget-conscious drivers. Rates in Santa Elena 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 $725 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 $861 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 $887
for six months, making it
the third cheapest auto insurance company in Santa Elena.
Santa Elena Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Santa Elena, TX is Texas Farm Bureau, offering policies at just $725 for a six-month term. This is followed by Mercury, which has an average six-month premium of $861.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1237 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Santa Elena drivers find the best deals.
Way's key takeaways about car insurance in Santa Elena
The auto insurance costs in Santa Elena fall around $725 for six
months.
The cheapest auto insurance company in Santa Elena is Texas Farm Bureau.
Teen drivers pay the highest rate in Santa Elena at $80 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 Santa Elena
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 Santa Elena are given below.
Texas Farm Bureau provides
the cheapest minimum car insurance
coverage in Santa Elena. Their Average 6 Month Premium is $278.
Germania is the most
expensive at $467 for the same
period.
Cheapest Full Coverage Car Insurance in Santa Elena
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 Santa Elena is Texas Farm Bureau
at $122 per month and $725
for six months.
Cheapest Full Coverage Car Insurance Quotes in Santa Elena,
TX
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Average Car Insurance in Santa Elena 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 Santa Elena, TX increasing?
Despite maintaining a clean driving record, your car insurance rates
in Santa Elena, 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, Santa Elena's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Santa Elena
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
$762
40s
Nationwide
$756
50s
Texas Farm Bureau
$675
60s
Texas Farm Bureau
$623
70s
Texas Farm Bureau
$669
Cheapest Car Insurance Rates for Teen Drivers in
Santa Elena,TX
If you are planning to get a car insurance policy for your teenage
dependent, Redpoint Insurance provides the cheapest car
insurance in the Santa Elena at $61
per
month. At $480 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 Santa Elena.
As young drivers face the highest rates in Santa Elena, Texas Farm Bureau
offers the cheapest auto insurance rates at $762 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 Santa Elena,
Mercury is
the cheapest car insurance provider. At $564 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
Santa Elena is State Farm, offering
rates of around $4889 for six
months.
Save up to $971/yr on car insurance rates in Santa Elena.
Car Insurance Rates with An Accident in Santa Elena
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 Santa Elena, TX,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Santa Elena
The cheapest car insurance companies after an at-fault accident in
Santa Elena include Redpoint Insurance
and Southern County Mutual, offering $370
and $447,
respectively. National General is an expensive provider
with an average six-month premium of
$628.
Here is a list of driving violations that can increase your car
insurance rates in Santa Elena TX. For example, the car
insurance in Santa Elena
after a DUI increases to $855 for a six
month policy. While the rate increases by $201 for a six-month policy in the case of
a speeding ticket.
Santa Elena auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1398
$233
One Med/PIP claim
$1412
$240
One comp claim
$1482
$247
Not-at-fault accident
$1495
$254
Two Med/PIP claims
$1502
$251
Failure to show documents
$1554
$264
Driving with expired registration
$1566
$262
Two comp claims
$1579
$268
Cell phone violation
$1592
$266
Driving without lights
$1592
$270
Texting while driving
$1592
$266
Driving too slowly
$1599
$271
Speeding 11 - 15 MPH over limit
$1599
$267
Speeding 16 - 20 MPH over limit
$1599
$271
Speeding 6 - 10 MPH over limit
$1599
$267
Speeding in school zone
$1599
$271
Child safety restraint
$1606
$268
Failure to wear a seat belt
$1606
$273
In 65 MPH zone
$1612
$269
Failure to stop at a red light
$1619
$276
Failure to yield
$1619
$270
Following too closely
$1619
$276
Illegal turn
$1619
$270
Improper passing
$1619
$276
Speeding 21 - 25 MPH over limit
$1619
$270
Passing school bus
$1625
$277
Wrong way/wrong lane
$1625
$270
Operating a vehicle without permission
$1632
$278
At-fault accident - less than $1000
$1696
$282
Open container
$1910
$325
Driving with a suspended license
$1982
$330
Racing
$2098
$356
Reckless driving
$2098
$350
Leaving scene of an accident/hit and run
$2149
$365
At-fault accident - $1000-$2000
$2156
$360
Refusal to submit to a chemical test
$2220
$377
DUI
$2253
$376
At-fault accident - greater than $2000
$2344
$399
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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 Santa Elena 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 Santa Elena.
The cheapest car insurance premiums in
Santa Elena are
offered by Mercury at $557 for a six-month policy.
However, it can be as
expensive as $3374 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 Santa Elena are offered by State Farm
at $505. However,
it can be as expensive as $3671
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Santa Elena after Speeding ticket
Car insurance rates in Santa Elena have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Santa Elena remained steady at $226 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Santa Elena rose to $70 in December,
compared to $68 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Santa Elena 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
Santa Elena. At $2282 for a
six-month policy, insuring
your car at 78591 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 Santa Elena?
The car insurance in Santa Elena is $47 per month, which is lower than the national average.
What is the cheapest car insurance in Santa Elena?
The cheapest car insurance in Santa Elena
is $122 per month
for full coverage.
How much is car insurance in Santa Elena for teenagers?
Car insurance for teenagers costs $370 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
Santa Elena?
The average cost of car insurance is $1047 for a six-month
policy. It will cost around $193 per month to insure your
car in Santa Elena.
Is car insurance expensive in Santa Elena?
Car insurance can be expensive in Santa Elena if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Santa Elena can be
affordable.
What is the best car insurance in Santa Elena,
TX?
The best car insurance company in Santa Elena
TX is
Texas Farm Bureau, offering $725 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Santa Elena, TX
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Santa Elena Car Insurance
