Schertz drivers pay an average of $2,349/year — $578 more than the national average. With 468 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $633/year.
(888) 217-6781Estimated full coverage auto insurance rates for Schertz, TX from top carriers. Rates are adjusted for Schertz's 468 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $781 | $130/mo |
| GEICO | $890 | $148/mo |
| Progressive | $1,005 | $168/mo |
| State Farm | $1,098 | $183/mo |
| Allstate | $1,338 | $223/mo |
Estimates based on 2026 rate filings for ZIP 78154. USAA is cheapest at ~$130/mo. Actual rates vary by driver profile and exact Schertz location.
These Schertz-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Schertz, TX. Takes under 2 minutes.
(888) 217-6781Schertz is a smaller city in Texas with a population of 42,002. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Schertz.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Schertz can swing your premium by hundreds of dollars. Here's how rates compare across Schertz neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 78160 | Schertz South Side | $2,252/yr | $188/mo |
| 78159 | Schertz North Side | $2,264/yr | $189/mo |
| 78166 | Schertz West Side | $2,345/yr | $195/mo |
| 78156 | Schertz East Side | $2,366/yr | $197/mo |
| 78154 | Schertz Downtown/Central | $2,495/yr | $208/mo |
The cheapest ZIP is 78160 (Schertz South Side) at $2,252/yr. The most expensive is 78154 (Schertz Downtown/Central) at $2,495/yr — a $243/year difference for the same driver.
Your Schertz ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Schertz. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,933/yr | $411/mo | +110% vs avg |
| Young Adult (20-25) | $3,289/yr | $274/mo | +40% vs avg |
| Adult (26-35) | $2,349/yr | $196/mo | 0% vs avg |
| Mid-Career (36-50) | $2,067/yr | $172/mo | -12% vs avg |
| Senior (51-65) | $1,950/yr | $163/mo | -17% vs avg |
| 65+ | $2,091/yr | $174/mo | -11% vs avg |
Teens in Schertz pay an average of $4,933/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,950/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Schertz drivers can save up to $633/year. ZIP 78160 (Schertz South Side) has the lowest rates starting at $2,252/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes