San Antonio, TX Car Insurance

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

Jump to San Antonio car insurance premiums by:

• Provider
• Age
• Marital status/gender
• Driving record
• Credit score

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

Consult our expert guide to finding the best cheap car insurance.

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

Learn more about how age influences auto insurance rates.

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

Learn more about how gender and marital status have on auto insurance rates.

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

Learn more about citations' impact on your auto insurance rates.

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

Get additional information on how credit impacts car insurance costs.

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