Compare Santa Fe, TX Car Insurance Rates (2021)

Car insurance in Santa Fe, TX averages $349 a month. Santa Fe, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Santa Fe car insurance rates, compare quotes from the top car insurance companies in Santa Fe, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Santa Fe, TX after a DUI are $4,743/year
  • The cheapest car insurance company in Santa Fe is USAA
  • The cheapest ZIP code in Santa Fe is 77517

If you need to buy Santa Fe, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Santa Fe, TX is right here.

You’ll find Santa Fe car insurance rates, the cheapest Santa Fe, TX car insurance companies, and information on Texas car insurance laws. You can also compare Santa Fe, Texas car insurance rates to Austin car insurance rates, El Paso car insurance rates, and Corpus Christi car insurance rates.

Ready to find affordable Santa Fe, TX car insurance today? Enter your ZIP code for fast, free Santa Fe car insurance quotes.

Cheapest Santa Fe, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Santa Fe, TX car insurance rates? Every Santa Fe, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Santa Fe, TX

Every driver must carry the minimum car insurance in Santa Fe, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car 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

Cheapest Santa Fe, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Santa Fe, TX. Compare credit history car insurance rates in Santa Fe from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Santa Fe, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Santa Fe, TX to rates for a clean record with top companies.

Annual Santa Fe, Texas Car 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

Cheapest Santa Fe, TX Car Insurance for Teen Drivers

Teen car insurance in Santa Fe, TX can be expensive. Take a look at rates from the top car insurance companies in Santa Fe for teenagers.

Annual Car 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

Cheapest Santa Fe, TX Car Insurance for Seniors

Take a look at Santa Fe, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Santa Fe, TX Car Insurance Rates After a DUI

A DUI in Santa Fe, TX increases car insurance rates. Compare Santa Fe, Texas DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest Santa Fe, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Santa Fe, TX by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Santa Fe, TX Car Insurance Rates by ZIP Code

Santa Fe car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Santa Fe, TX.

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

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

The Best Cheap Car Insurance Companies in Santa Fe, TX

Take a look at a side-by-side comparison of the top car insurance companies in Santa Fe, TX to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Santa Fe, Texas

Find the cheapest car insurance companies in Santa Fe, TX for each category right here.

Best Annual Car 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

Cheapest Santa Fe, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Santa Fe car insurance rates. Find the cheapest Santa Fe, TX car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Santa Fe, Texas?

What factors can have an impact on Santa Fe, TX car insurance? There are several reasons why Santa Fe car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Santa Fe, Texas.

Car Theft in Santa Fe

High levels of vehicle theft can make car insurance more expensive. Santa Fe, TX car theft statistics from the FBI indicate 18 vehicle thefts a year.

Commute Time in Santa Fe

The more time you spend in your car the higher the risk of an accident. The average commute length in Santa Fe, TX is 31.7 minutes according to City-Data.

Traffic in Santa Fe

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Santa Fe, TX traffic data from INRIX ranks Santa Fe as the 775th-most congested in the world.

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Compare Car Insurance Quotes in Santa Fe, TX

Ready to find affordable Santa Fe, Texas car insurance today? Enter your ZIP code for fast, free Santa Fe, TX car insurance quotes.

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