How Much Does Car Insurance Cost in San Antonio?
Texas insurance premiums are $223 greater than the national average, which could explain why the state is known for its expensive rates. Premiums run even higher in the city, which can be off-putting to many drivers. However, the only alternative is driving without insurance, which is very much against the law. The state of Arizona requires that any driver at least carries liability insurance that can cover bodily injury or propery damage in the event of a car accident.
In order to keep your vehicle insured and stay on the correct side of the law, finding cheap car insurance should be your goal. There are many factors that go into setting your rate, from your driving record to the car you drive. Let's look at some of these factors and compare car insurance costs in San Antonio versus premiums across the nation.
AUTO INSURANCE PREMIUMS: SAN ANTONIO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
San Antonio Car Insurance by Credit Score
While it might surprise some people, your credit history can have a big impact on how much you pay for your insurance policy. Insurance companies have found there to be correlations between those with poor credit and their tendancies to be more likely to file a claim. For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers can save nearly $1,179 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
SAN ANTONIO AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Car Insurance Rate|
San Antonio Auto Insurance by Marital Status and Gender
Pricing for car insurance premiums in San Antonio is dictated by quite a few rating factors, including marital status and gender. Believe it or not, marital status has a substantial impact on insurance premiums. Being single, as opposed to married, can cost you close to 11% more per year to keep your car insured. Rates for those who are widowed are also way cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums differ is minimal.
SAN ANTONIO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
San Antonio Car Insurance by Driver Age
Your age can make a big difference in how much you pay for insurance coverage. An insurance company can mine vast amounts of data to determine what age groups are more likely to be involved in a car accident or otherwise need to file a claim. So which age group is likely to pay more to insure their vehicle?
Teenage drivers are the ones who pay the most in car insurance premiums, with typical payments of $6,149. Drivers in their 50s save money on insurance, as they have the lowest rates among all age groups, paying only $1,624 a year. However, those in their 60s ($1,691) aren’t paying significantly more. The largest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in San Antonio start paying 61% less in premiums. Premiums for drivers continue to decrease through their 50s, but they can expect a change when they hit 60.
SAN ANTONIO AUTO INSURANCE RATES BY AGE
San Antonio Car Insurance With Accidents or Violations
Does your driving record contain an accident, violation, or period of time in which you were uninsured? Like it or not, that can influence the prices on car insurance. Your insurance company looks for blemishes on your driving record that could mark you as a liability, meaning that your insurance coverage could be dramatically higher. But how much do these infractions actually impact your premiums?
The value of the damage caused by an accident plays a role in how drastically insurance rates will increase. For those in San Antonio with at-fault accidents in which damages exceeded $2,000, rates are an average of 18% more than at-fault accidents with damages less than $1,000. In San Antonio, drivers with a DUI have rates that surpass the city average of $1,902 by 38%. Reckless driving will bump your premiums up as well, with typical rates of $2,684, which are 41% higher than the city average.
AVERAGE SAN ANTONIO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|At-fault Accident (damages less than $1,000)||$2,451|
|At-fault Accident (damages greater than $2,000)||$2,890|
|Speeding Ticket (16-20 mph over speed limit)||$2,003|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Alamo City
Find Local San Antonio Agents
CS Innovative Insurance Solutions LC
9842 Lorene Ln San Antonio, TX 78216
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209
Whitaker Insurance Associates, Inc.
8626 Tesoro Dr #310 San Antonio, TX 78217
TWFG Insurance Services
1802 NE Loop 410 Ste 520 San Antonio, TX 78217
Austin Hwy/Nix Insurance
1991 Austin Hwy San Antonio, TX 78218
Hal Harris Insurance Agency
133 Lanark Dr San Antonio, TX 78218
Preferred Personal Insurance Agency, LLP
13333 Blanco Rd San Antonio, TX 78216
Purvis Agency, LLC
13485 Wetmore Rd. San Antonio, TX 78247
Bluebonnet Independent Insurance Center
113 W. Castano, No. 1 San Antonio, TX 78209
Independent Insurance Center, Inc
1739 Citadel Plaza San Antonio, TX 78209
Anglesey Insurance Agency, LLC
13620 NW Military Hwy San Antonio, TX 78231
1250 NE Loop 410, Ste 920 San Antonio, TX 78209
12702 Toepperwein Rd San Antonio, TX 78233
IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200 San Antonio, TX 78218
Roten & Company Agency
1383 E. Bitters Ste 2 San Antonio, TX 78216
San Antonio Insurance Agency
1100 NE Loop 410 Ste 650 San Antonio, TX 78209
Phil Huizar Insurance Agency
16170 Jones Maltsberger Rd Ste 103 San Antonio, TX 78247
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100 San Antonio, TX 78239
Bear Insurance Agency, Inc.
PO Box 34477 San Antonio, TX 78265
Belken Insurance Associates
8626 Tesoro Drive, Suite 310 San Antonio, TX 78217
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
Global Green Insurance Agency
2700 NE Loop 410 San Antonio, TX 78217
1100 NE Loop 410 San Antonio, TX 78209
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