What's the average cost of car insurance in San Antonio?
The typical San Antonio driver pays $1,501 per year for auto insurance. That's more than the average across Texas ($1,415) and less expensive than the national average of $1,548. Rates can also vary based on the insurer you choose, as policies are underwritten differently from one auto insurance company to another. Bear in mind that as your driving profile changes, so too can your insurance rates. This is why it's always a good idea to routinely seek out auto insurance quotes to make sure you are getting the best rates.
Read on to learn more about how much you can expect to pay for your insurance policy based on your credit score, gender, marital status and other common factors in San Antonio.
SAN ANTONIO CAR INSURANCE RATES
|San Antonio Average (annual)||Texas Average||National Average|
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San Antonio car insurance rates by provider
One of the most important determinants of your car insurance rates is the insurance company you work with. In San Antonio, USAA offers the cheapest rates for the average insurance customer, though eligibility is restricted to those in the armed forces and their immediate families. However, the best car insurance company for you is based on a number of different factors.
The auto insurance coverage that you choose will also impact what you pay for your policy. For instance, many states only require drivers to carry bodily injury and property damage liability insurance, but there are many additional options available. While it can seriously increase your premiums, adding full coverage (collision coverage or comprehensive coverage purchased together) can add protection for your vehicle. These coverage options will also require a deductible that you are responsible for, however, which policyholders get to set at the onset of a policy. In most cases, a higher deductible will lead to cheaper insurance rates. Also worth considering are add-ons like underinsured/uninsured motorist coverage, roadside assistance and personal injury protection (PIP). These coverages can also increase your overall car insurance premiums, but the protection that they provide is often worth it.
Many auto insurers also offer car insurance discounts. Policyholders can be rewarded for keeping a clean driving record, paying in full at the start of a policy, or bundling renters or homeowners coverage with their car insurance coverage. If you're a good driver who is searching for the cheapest car insurance, make sure to ask about money-saving opportunities offered by your insurance provider.
Below you'll find some of the more affordable car insurance rates in San Antonio. Don't forget to get car insurance quotes that are customized to your individual driving profile.
SAN ANTONIO AUTO INSURANCE PREMIUMS BY COMPANY
|Insurance Company||Average Annual Rate|
San Antonio auto insurance rates by age
The age group that pays the least for car insurance in San Antonio are drivers in their 50s ($1,307per year). Those in their 60s don't pay significantly more ($1,354).
Teen drivers pay San Antonio's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in San Antonio is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in San Antonio is $1,871, the largest such difference between any two age groups.
SAN ANTONIO AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Yearly Rate|
San Antonio auto insurance rates by marital status and gender
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in San Antonio pay $95 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in San Antonio, single drivers pay more for a car insurance policy than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. The typical male driver in San Antonio pays $8 more each year for car insurance than does his female counterpart.
SAN ANTONIO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
San Antonio car insurance rates by accident and violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In San Antonio, a reckless driving citation results in an average insurance rate increase of $818 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $837 increase and a speeding ticket triggers a $131 rate hike.
SAN ANTONIO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,903|
|At-fault Accident (damages > $2,000)||$2,277|
|Speeding Ticket (16-20 mph over speed limit)||$1,632|
San Antonio auto insurance premiums by credit level
Credit score is often closely correlated with car insurance costs. In fact, San Antonio drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In San Antonio, improving your credit to "Fair" could help you earn a $1,308 decrease in yearly insurance premiums.
SAN ANTONIO CAR INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Annual Rate|
What drives up car insurance rates in San Antonio?
Where you live in San Antonio affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Antonio is no exception to the rule. From ZIP code 78266 to 78206, premiums rise by 17 percent—that’s $232.
Expensive San Antonio ZIP codes: 78285, 78284, 78241, 78237, 78206
Cheap San Antonio ZIP codes: 78266, 78232, 78253, 78248, 78259
San Antonio Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In San Antonio, you can expect 83 rainy days with an annual rainfall of 32.3 inches. San Antonio is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Alamo City
Major HighwaysU.S. 87 U.S. 90 U.S. 81
Toll RoadsSH 130
Car Insurance Companies in San Antonio
Find Local San Antonio Agents
TWFG Insurance Services
1802 NE Loop 410 Ste 520, San Antonio, TX 78217
Bear Insurance Agency, Inc.
PO Box 34477, San Antonio, TX 78265
San Antonio Insurance Agency
1100 NE Loop 410 Ste 650, San Antonio, TX 78209
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100, San Antonio, TX 78239
1100 NE Loop 410 Ste. 200, San Antonio, TX 78209
Whitaker Insurance Associates, Inc.
8626 Tesoro Dr #310, San Antonio, TX 78217
12702 Toepperwein Rd, San Antonio, TX 78233
Roten & Company Agency
1383 E. Bitters Ste 2, San Antonio, TX 78216
Versatile Insurance Planners
901 NE Loop 410 Ste. 807, San Antonio, TX 78209
Global Green Insurance Agency
2700 NE Loop 410 Ste. 330, San Antonio, TX 78217
Purvis Agency, LLC
13485 Wetmore Rd., San Antonio, TX 78247
Phil Huizar Insurance Agency
16170 Jones Maltsberger Rd Ste 103, San Antonio, TX 78247
Bluebonnet Independent Insurance Center
113 W. Castano, No. 1, San Antonio, TX 78209
IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200, San Antonio, TX 78218
Belken Insurance Associates
8626 Tesoro Drive, Suite 310, San Antonio, TX 78217
Preferred Personal Insurance Agency, LLP
13333 Blanco Rd Ste 200, San Antonio, TX 78216
Austin Hwy/Nix Insurance
1991 Austin Hwy, San Antonio, TX 78218
CS Innovative Insurance Solutions LC
9842 Lorene Ln, San Antonio, TX 78216
Hal Harris Insurance Agency
133 Lanark Dr, San Antonio, TX 78218
David Ison Insurance, Inc.
1383 E Bitters Rd Ste 1, San Antonio, TX 78216
Westex Insurance Services Inc
15701 Henderson Pass, San Antonio, TX 78232
1250 NE Loop 410, Ste 920, San Antonio, TX 78209
Independent Insurance Center, Inc
1739 Citadel Plaza, San Antonio, TX 78209
Anglesey Insurance Agency, LLC
13620 NW Military Hwy Building 203 Suite 4, San Antonio, TX 78231
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