Despite the number of car-owning families in San Antonio reducing in recent years, having a vehicle is still essential. Having adequate car insurance in San Antonio is also indispensable to prevent spiraling costs and expenses in the future. One of the easiest ways to find cheap car insurance quotes in San Antonio is to use Way.com.
By comparing the best insurance companies in San Antonio and analyzing their rates and features, Way.com helps you save money on full coverage car insurance. Let’s take a look at how the rates in San Antonio fare for different categories of drivers.
According to our calculations, auto insurance in San Antonio will cost you $1629 on average. This is almost 4% higher than the national average and 2% higher than the state average. The slight increase in expense is due to various factors like age, credit history, marital status, and average number of auto claims in the city.
| San Antonio
(Annual average) |
Texas
(Annual average) |
United States
(Annual average) |
|---|---|---|
| $1629 | $1566 | $1601 |
According to insurance rules in Texas, all drivers mandatorily need to have basic minimum liability coverage. This is to ensure your safety as well as that of other drivers and to minimize trouble if an accident occurs.
Minimum liability insurance in San Antonio includes:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $30,000 |
| Bodily Injury Liability Coverage (per accident) | $60,000 |
| Property Damage Liability (per accident) | $25,000 |
Having minimum liability insurance in San Antonio will cost you around $530 per year. To be safe, we recommend choosing more than the minimum coverage – ideally 100/300/50. Texas insurance rules also require you to have other types of coverage like Personal Injury Protection (PIP) coverage, uninsured and underinsured motorist coverage as well.
The full coverage car insurance quotes in San Antonio vary depending upon the company you choose and their methodology for calculating premiums. Based on customer feedback and our calculations, USAA offers the cheapest full coverage at $1261. The most expensive rates are offered by All State – $430 more than the cheapest rate.
| Car insurance company | Average Annual Rate |
|---|---|
| USAA | $1261 |
| State Farm | $1301 |
| Allstate | $1685 |
Young drivers are inexperienced and hence likely to be charged higher auto insurance quotes than older drivers. The average auto insurance rate in San Antonio for 20-year-olds is $2279, while the premium for 60-year-olds is almost 42% less.
| Age | Average Annual Rate |
|---|---|
| 20s | $2279 |
| 30s | $1520 |
| 60s | $1300 |
Married and single individuals are more likely to be safe drivers and often bundle their auto insurance with other policies like home insurance. However, divorced drivers are seen as a higher risk and are more likely to get into accidents. Hence, car insurance in San Antonio is costlier for them by at least $100.
| Marital status | Average Annual Rate |
|---|---|
| Single | $1411 |
| Married | $1409 |
| Divorced | $1507 |
| Widowed | $1377 |
Statistically, more male drivers are involved in accidents than women and are considered riskier to insure. Therefore, you will find that San Antonio quotes for male drivers are around 1-2% higher than for women.
| Gender | Rates |
|---|---|
| Female | $1497 |
| Male | $1507 |
Having a spotless accident history and zero citations can positively impact your auto insurance rates! However, your auto insurance rates in San Antonio can increase by almost 50% if you have speeding tickets, DUIs, at-fault accidents, and other citations to your name.
Reckless Driving and Driving Under the Influence (DUI) are the costliest priors to have on your record – both will increase your San Antonio quotes by more than $600.
| Driving Violation | Increased rate |
|---|---|
| DWI/DUI | $2227 |
| Reckless Driving | $2213 |
| At-fault Accident | $1934 |
| Speeding Ticket | $1640 |
Car insurance rates in San Antonio are directly related to your credit rating. Moving from the ‘Very Poor’ to the ‘Exceptional’ category can reduce your auto insurance premiums by a whopping $1900. In fact, moving from the ‘Very Poor’ to ‘Fair’ credit category is the most important, as it has the maximum reduction in premium (almost 40%).
| Credit Tier | Annual Rate |
|---|---|
| Very Poor | $3184 |
| Fair | $1876 |
| Good | $1507 |
| Very Good | $1398 |
| Exceptional | $1241 |
Living in a big city like San Antonio also brings other risk factors when owning vehicles. The probability of crime, auto theft, and accidents with uninsured drivers can drastically increase your auto insurance rates. This is reflected in the table below, where certain ZIP codes in San Antonio have at least 17% higher annual premiums than others.
| ZIP Code | Average Rate |
|---|---|
| 78251 | $1830 |
| 78250 | $1775 |
| 78249 | $1781 |
| 78247 | $1732 |
| 78245 | $1761 |
| 78240 | $1769 |
| 78228 | $1850 |
| 78223 | $1734 |
| 78207 | $1825 |
| 78103 | $1557 |
Car theft in San Antonio has been increasing over the years, with a record number of vehicles being stolen in 2021 alone. The San Antonio Police Unified Crime Report reported 7284 instances of auto theft in 2021 – an 8% increase from 2020. This will likely impact car insurance rates in San Antonio too.
The number of cars being boosted monthly has increased alarmingly to nearly 728 per month. The North, West and Northwest Sides of the city are more vulnerable to break-ins and thefts. However, some areas like the Central, East, and South Sides have seen a decrease in break-ins in 2021.
The police have cautioned residents to take extra measures to protect their vehicles. Uniformed and non-uniformed personnel will be stationed at crowded localations to provide more security.
In a survey done a few years ago, San Antonio ranked 13th in a list of cities with the highest likelihood of having an accident. Since then, there has been a decrease in the number of accidents by 22%, but an increase in the number of fatalities by 9%. The reduction in accidents can also be due to reduced numbers of vehicles on the road during the pandemic.
San Antonio is the meeting point for many major freeways in the state of Texas – lookout for heavy traffic when driving! Whether you’re a rookie or an experienced driver, follow these useful tips to get an edge over other drivers on the road.
Besides the established car insurance companies, there are other national and regional providers in San Antonio that also offer competitive rates. Some of them may be able to cut corners and save you a few hundred dollars every year in auto insurance premiums. Use Way.com to compare these rates and choose the policy perfect for you.
Here are some good car insurance companies in San Antonio:
| All State | Progressive |
| Nationwide | |
| USAA | Liberty Mutual |
| State Farm | Farmers |
| Freeway | Texas Farm Bureau |
| Everquote | Amtex Auto Insurance |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average auto insurance rate for minimum liability requirement coverage in San Antonio is $540 per year. However, it’s always best to have more and upgrade to full coverage.
Among the established insurance companies USAA ($1261) provide the cheapest full coverage auto insurance.
Car insurance is typically more expensive for teenagers and new drivers, and can go as high as $7100 in some cases. It also depends on what type of car you drive, your driving history, and the neighborhood you live in.
It isn’t that hard to get cheap San Antonio quotes – all you need to do is follow some basic guidelines.
The average monthly payment for full coverage auto insurance in San Antonio is $110.
No, you cannot register a car in San Antonio or anywhere in Texas without proof of insurance. You must also have insurance for all title transfers in the State of Texas.
Yes, you can get auto insurance in San Antonio without a valid driver’s license. However, you must name a primary driver in the policy – preferably the person who will use the car the most.
If you suspect that you’ve been a victim of insurance fraud, report it immediately to the Texas Department of Insurance using their online fraud report form. You can also call 800-TX-AUDIT (892-8348).
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