San Antonio, TX Car Insurance
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By Sandra Cruz | Updated March 9, 2021
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.
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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
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.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.