Best Cheap Auto Insurance in Santa Fe, TX (2021)

The average Santa Fe, TX auto insurance rates are $349 per month. The minimum auto insurance in Santa Fe is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Santa Fe, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Santa Fe, Texas is 30/60/25
  • The average commute length in Santa Fe is 31.7 minutes
  • The cheapest auto insurance company in Santa Fe is USAA

Santa Fe, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Santa Fe can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Santa Fe, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Santa Fe to other Texas cities, including Corpus Christi auto insurance rates, Plano auto insurance rates, and Fort Worth auto insurance rates to see how Santa Fe, Texas auto insurance rates stack up.

Before you buy Santa Fe, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Santa Fe, Texas auto insurance quotes.

Minimum Auto Insurance in Santa Fe, Texas

Santa Fe, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Santa Fe, Texas.

Minimum Required Auto Insurance Coverage in Santa Fe, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Santa Fe, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Santa Fe, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Santa Fe, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,759 $3,782 $3,708 $3,708 $10,078 $12,144 $4,646 $4,825
American Family $4,012 $4,460 $3,606 $4,138 $10,020 $13,104 $5,676 $6,448
GEICO $2,416 $2,626 $2,360 $2,710 $5,375 $5,554 $2,615 $2,588
Nationwide $2,442 $2,480 $2,171 $2,290 $6,725 $8,592 $2,852 $3,074
Progressive $2,478 $2,359 $2,204 $2,247 $10,337 $11,530 $2,940 $2,985
State Farm $2,051 $2,051 $1,834 $1,834 $4,978 $6,354 $2,235 $2,299
USAA $1,523 $1,526 $1,464 $1,448 $4,319 $4,678 $2,025 $2,155

Cheap Santa Fe, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Santa Fe, Texas is a challenge. Take a look at the annual teen auto insurance rates in Santa Fe, Texas.

Annual Auto Insurance Rates for Teen Drivers in Santa Fe, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,078 $12,144
American Family $10,020 $13,104
GEICO $5,375 $5,554
Nationwide $6,725 $8,592
Progressive $10,337 $11,530
State Farm $4,978 $6,354
USAA $4,319 $4,678

Cheap Santa Fe, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Santa Fe, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Santa Fe, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,708 $3,708
American Family $3,606 $4,138
GEICO $2,360 $2,710
Nationwide $2,171 $2,290
Progressive $2,204 $2,247
State Farm $1,834 $1,834
USAA $1,464 $1,448

Cheap Santa Fe, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Santa Fe, Texas compared to the annual auto insurance rates with a clean record in Santa Fe, Texas.

Annual Santa Fe, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,487 $7,026 $7,326 $4,487
American Family $5,872 $7,455 $6,533 $5,872
GEICO $2,784 $3,702 $3,056 $3,580
Nationwide $3,337 $3,337 $4,884 $3,755
Progressive $4,041 $5,223 $4,722 $4,554
State Farm $2,617 $3,012 $3,572 $2,617
USAA $1,779 $2,638 $3,112 $2,041

Cheap Santa Fe, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Santa Fe, Texas is not easy. Compare the annual rates for DUI auto insurance in Santa Fe, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Santa Fe, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,326
American Family $6,533
GEICO $3,056
Nationwide $4,884
Progressive $4,722
State Farm $3,572
USAA $3,112

Cheap Santa Fe, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Santa Fe, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Santa Fe, Texas

Insurance Company Poor Fair Good
Allstate $7,409 $5,431 $4,654
American Family $8,887 $5,581 $4,830
GEICO $5,063 $2,866 $1,912
Nationwide $4,608 $3,684 $3,193
Progressive $5,221 $4,508 $4,176
State Farm $4,172 $2,608 $2,084
USAA $3,487 $2,040 $1,650

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Cheap Santa Fe, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Santa Fe, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Santa Fe, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Santa Fe, Texas

ZIP Code Average Annual Rates
77510 $6,238
77517 $6,081

Cheap Santa Fe, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Santa Fe, Texas auto insurance. Find the cheapest annual Santa Fe, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Santa Fe, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,684 $5,978
American Family $6,433 $6,433
GEICO $3,221 $3,340
Nationwide $3,828 $3,828
Progressive $4,635 $4,635
State Farm $2,954 $2,954
USAA $2,362 $2,422

Cheap Santa Fe, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Santa Fe, Texas? Check out the comparison of annual Santa Fe, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Santa Fe, Texas

Insurance Company Low Medium High
Allstate $5,696 $5,781 $6,017
American Family $5,991 $6,194 $7,114
GEICO $3,084 $3,232 $3,525
Nationwide $4,082 $3,667 $3,736
Progressive $4,413 $4,614 $4,878
State Farm $2,787 $2,944 $3,132
USAA $2,297 $2,380 $2,500

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Best By Category: Cheapest Auto Insurance in Santa Fe, Texas

Compare the cheapest auto insurance companies in Santa Fe, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Santa Fe, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Santa Fe, Texas Auto Insurance Companies

What auto insurance companies in Santa Fe, Texas are the cheapest? Compare the top Santa Fe, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Santa Fe, Texas

Insurance Company Average Annual Rates
Allstate $5,831
American Family $6,433
GEICO $3,280
Nationwide $3,828
Progressive $4,635
State Farm $2,954
USAA $2,392

What affects auto insurance rates in Santa Fe, Texas?

There are a lot of reasons why auto insurance rates in Santa Fe, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Santa Fe, Texas. Many local factors may affect your Santa Fe auto insurance rates.

Santa Fe Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Santa Fe, Texas auto theft statistics, there have been 18 auto thefts in the city.

Santa Fe Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Santa Fe, Texas commute length is 31.7 minutes according to City-Data.

Santa Fe Traffic

How does Santa Fe, Texas rank for traffic? According to Inrix Santa Fe, Texas is the 775th most congested worldwide.

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Compare Santa Fe, Texas Auto Insurance Quotes

Before you buy Santa Fe, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Santa Fe, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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