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. Read on to learn more about how much you can expect to pay 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 AverageNational Average
$1,501$1,415$1,548

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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. See below the best options for affordable auto insurance in San Antonio. Don't forget to get car insurance quotes based on your driving profile.


SAN ANTONIO AUTO INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Annual Rate
USAA$1,302
GEICO$1,320
State Farm$1,378
Allstate$2,389

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
Age bracketAverage Yearly Rate
Teenagers$3,818
20s$1,947
30s$1,478
40s$1,441
50s$1,307
60s$1,354
70s$1,666

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 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 StatusAverage Annual Rate
Female$1,494
Male$1,501
Single$1,406
Married$1,406
Divorced$1,501
Widowed$1,370

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
Violation/IncidentAverage Yearly Rate
DWI/DUI$2,339
Reckless Driving$2,320
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

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
Credit TierAverage Annual Rate
Very Poor$3,179
Fair$1,871
Good$1,501
Very Good$1,393
Exceptional$1,235

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

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.

83

Rainy Days a Year

32"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in the Alamo City

2
Major Highways
U.S. 87 U.S. 90 U.S. 81
2
Public Transit

VIA Bus

The E

VIA Primo

2
Toll Roads
SH 130
2
Popular Day Trips
Krause Springs Castroville Spoetzl Brewery

Car Insurance Companies in San Antonio

AmWINS Heritage AmWINS Star Apparent AssuranceAmerica Bristol West Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Falcon GAINSCO Hallmark Infinity Jupiter Auto Kemper Auto Lamar General Agency Liberty Mutual Mercury MetLife Progressive Pronto Pronto Flex Safe Auto Safeco State Auto Stillwater Travelers

Find Local San Antonio Agents

Austin Hwy/Nix Insurance

1991 Austin Hwy, San Antonio, TX 78218

Independent Insurance Center, Inc

1739 Citadel Plaza, San Antonio, TX 78209

TWFG Insurance Services

1802 NE Loop 410 Ste 520, San Antonio, TX 78217

Roten & Company Agency

1383 E. Bitters Ste 2, San Antonio, TX 78216

Phil Huizar Insurance Agency

16170 Jones Maltsberger Rd Ste 103, San Antonio, TX 78247

Versatile Insurance Planners

901 NE Loop 410 Ste. 807, San Antonio, TX 78209

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

Belken Insurance Associates

8626 Tesoro Drive, Suite 310, San Antonio, TX 78217

Eanes & Polk, Inc.

8206 Rough Rider, Ste. 100, San Antonio, TX 78239

INSURICA

1100 NE Loop 410 Ste. 200, San Antonio, TX 78209

Westex Insurance Services Inc

15701 Henderson Pass, San Antonio, TX 78232

David Ison Insurance, Inc.

1383 E Bitters Rd Ste 1, San Antonio, TX 78216

GSM Insurors

12702 Toepperwein Rd, San Antonio, TX 78233

Global Green Insurance Agency

2700 NE Loop 410 Ste. 330, San Antonio, TX 78217

CS Innovative Insurance Solutions LC

9842 Lorene Ln, San Antonio, TX 78216

Kaliff Insurance

1250 NE Loop 410, Ste 920, San Antonio, TX 78209

Preferred Personal Insurance Agency, LLP

13333 Blanco Rd Ste 200, San Antonio, TX 78216

Purvis Agency, LLC

13485 Wetmore Rd., San Antonio, TX 78247

IBC Insurance Agency, Ltd.

5300 Walzem Rd. Ste. 200, San Antonio, TX 78218

Whitaker Insurance Associates, Inc.

8626 Tesoro Dr #310, San Antonio, TX 78217

Hal Harris Insurance Agency

133 Lanark Dr, San Antonio, TX 78218

Anglesey Insurance Agency, LLC

13620 NW Military Hwy Building 203 Suite 4, San Antonio, TX 78231

Bluebonnet Independent Insurance Center

113 W. Castano, No. 1, San Antonio, TX 78209

Not sure about San Antonio

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2

$1,475

The average San Antonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

393

That's equal to 393 tacos or $590 in savings

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Recent Questions:

San Antonio Car Insurance

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.

My car is titled under my boyfriend's name and is now totaled but he's in jail. What do I do?

The claim payout for the total loss will only go to the lienholder or owner and not a third party. Your boyfriend will need to somehow sign the check or the vehicle over to you so you can remedy the situation.

Do I need to purchase separate liability coverage for my motor home if I have the state required liability insurance on my auto policy?

You would need a new individual plan to cover a motorhome. The good news is RV liability insurance tends to be very inexpensive.

If I borrowed my mom's car and was hit by an uninsured driver does she pay a deductible?

If your uninsured motorist coverage pays for the damage, you may have a deductible. Every policy is different so you will have to look at the specifics of your coverage.