San Antonio, TX Car Insurance

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Travelers
Hippo
Guard
Nationwide
Kemper
Mercury Insurance
Lemonade
The Hartford
Progressive

The average monthly car insurance cost in San Antonio is $125. However, several factors are considered in providing your specific quote. Thus, prices can vary. Comparing quotes from different companies is the best way to save on your car insurance in San Antonio.

San Antonio Car Insurance Rates by Company

The average cost of car insurance in San Antonio, TX is $1,501 annually. The San Antonio rate is higher than the statewide average of $1,415, but less expensive than the national average of $1,548 in the United States. Your age, marital status, location, and credit score are a few contributing factors that influence your total car insurance rate. Comparing multiple car insurance companies is the best way to get a great deal on your new policy. Read on to learn more on how to save in San Antonio or compare rates now for free with Insurance Online's quote comparison tool.

San Antonio Car Insurance Rates by Company

Determining the best car insurance company in San Antonio for your driving profile is essential for saving money on your auto policy. Choosing the cheapest provider is not always an option if you live in areas prone to theft, crime, or potential driving hazards. Also, if you have been in an at-fault accident in the past, your rate will increase. However, if you have a clean driving record and a good driving profile, it is likely your insurance company will offer lower rates. USAA offers the most affordable car insurance rates around San Antonio, TX.

San Antonio Car Insurance Rates by Company with Cheapest Rates

Company Name Monthly Rate Yearly Rate
USAA $108 $1,302
State Farm $110 $1,320
GEICO $114 $1,378
Allstate $199 $2,389

San Antonio Car Insurance Rates by Age Group

Age is accounted for by insurance companies in San Antonio to determine the potential risk of a driver filing a claim. San Antonio drivers in their 50s and 60s pay cheaper rates in comparison to drivers within the age range of 70+. On the other hand, teenage drivers in San Antonio pay the most expensive rates, as they are considered high-risk drivers. On a brighter note, teenagers will be entitled to a significant decrease in their insurance rate on their 20th birthday.

San Antonio Car Insurance Rates by Age Bracket

AGE GROUP Monthly Rate Annual Rate
Teenagers $318 $3,818
20s $162 $1,947
30s $123 $1,478
40s $120 $1,441
50s $108 $1,307
60s $112 $1,354
70s $138 $1,666

San Antonio Car Insurance Rates by Marital Status and Gender

Another factor contributing to your car insurance rate in San Antonio, TX, is your marital status. Married drivers in San Antonio pay an average of $95 less than single drivers. Married individuals are considered responsible drivers and more financially stable, and therefore receive lower insurance rates. Widows and widowers are also entitled to lower rates. Moreover, gender is another factor that affects your car insurance rates. Male drivers in San Antonio, TX pay $8 more than female drivers.

San Antonio Auto Insurance Quotes by Marital Status and Gender

Gender Monthly Rate Yearly Rate
Female $124 $1,494
Male $125 $1,501
Marital Status Monthly Rate Yearly Rate
Single $117 $1,406
Married $117 $1,406
Divorced $125 $1,501
Widowed $114 $1,370

San Antonio Car Insurance Rates by Citation and Driving Record

San Antonio insurance companies account for your driving history when providing your rates. If you have been found guilty in driving recklessly or speeding, your annual insurance rate will increase.

Reckless driving citations will lead to an increase of $818 on your annual car insurance rate. Speeding tickets in San Antonio will result in a $131 yearly increase in car insurance costs. As for DWI or DUI violators, an additional $837 will be added to your rate annually. For drivers in San Antonio, t is essential to maintain a clean driving history to receive the cheapest car insurance rates.

San Antonio Auto Insurance Premiums After an Accident or Violation

Violation Monthly Rate Annual Rate
DWI/DUI $194 $2,339
Reckless Driving $193 $2,320
At-Fault Accident (less than $1000 damages) $158 $1,903
At-Fault Accident (greater than $2000 damages) $189 $2,277
Speeding Ticket (over 16-20 mph over speeding limit) $135 $1,632

San Antonio Car Insurance Rates by Credit Tier

The cheapest car insurance rates in San Antonio are offered to drivers with clean driving records and good credit. If the driver substantially elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it will result in savings of up to 61% on their car insurance. Additionally, taking a small step towards “Fair” credit from the “Very Poor” credit tier will also gain you a $1,308 yearly savings. Thus, the improving your credit tier in is one way to save on your auto insurance premium in San Antonio.

San Antonio Car Insurance Rates by Credit Score

Credit Score Monthly Rate Annual Rate
Very Poor $264 $3,179
Fair $155 $1,871
Good $124 $1,501
Very Good $115 $1,393
Exceptional $102 $1,235

What Other Factors Impact San Antonio Car Insurance Rates?

Location is another contributing factor to your auto insurance rates. If you reside in an area considered high-risk in San Antonio, it is likely for your car insurance rates to increase. Some places in San Antonio are prone to accidents, theft, crime, and uninsured motorists. These areas experience more expensive rates by 17% ($232) than areas considered lower risk in San Antonio.

San Antonio Auto Insurance Rates by Location

San Antonio ZIP Codes with Expensive Rates San Antonio ZIP Codes with Cheaper Rate
78285 78266
78284 78232
78241 78253
78237 78248
78206 78259

San Antonio, TX Driving and Weather Conditions

Weather conditions trigger car accidents in San Antonio, Texas. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

San Antonio, TX experiences 83 rainy days annually, with occasional thunderstorms and flash floods. Auto insurance companies look to weather statistics like these when assessing risk level and calculating a quote.

List of Car Insurance Companies in San Antonio, TX

21st Century
AAA
2AFI
Access
Affirmative
Aggressive Insurance
AmWINS Heritage
AmWINS Star
Amica Mutual Insurance
Apparent
Assurance America
Bristol West
CAIC
Cal Casualty
Clearcover
Commonwealth Casualty
Dairyland
Direct Auto
Elephant
Empower
Encompass
FIMC
Falcon
Farmers
Foremost
GAINSCO
GEICO
Germania Mutual
Hallmark
Hippo
Infinity
Jupiter Auto
Kemper Auto
Kemper Preferred
Lamar General Agency
Liberty Mutual
Mendota
Mercury
MetLife
Multi-State
National General
Nationwide
Progressive
Pronto
Pronto Flex
Safe Auto
Safeco
Safeway Insurance Company
State Auto
State Farm
Stillwater
Texas Farm Bureau
The General
The Hartford
Titan
Travelers
UPC
USAA
Unitrin
Windhaven

San Antonio Car Insurance FAQs

Is it legal for me to carry liability insurance in San Antonio instead of carrying a full coverage insurance on a car I have purchased through an auto loan?

It is legal but you will be subject to grounds of violating your loan by altering the breadth of your coverage by carrying a liability-only policy. Therefore, your lienholder will be forced to place collateral protection insurance on your monthly fees.

My car is titled in the name of my boyfriend who’s in jail in San Antonio. I just recently totaled my car and can’t take action because of the car’s title, what do I do?

The total loss payout will only be rendered to the lienholder, the owner, or whoever’s name is on the title, but never to a third-party. Hence, your boyfriend will need to sign the vehicle over to your name for you to be able to resolve the situation.

I got hit by an uninsured motorist in San Antonio, TX driving my mom’s car, does she have to pay a deductible?

If the uninsured motorist agrees to pay for the damage, then it is possible that you will have a deductible. On the other hand, every policy is different, hence, it is necessary to look at your insurance policy closely.