How Much Does Car Insurance Cost in San Antonio?
Texas premiums are $223 greater than the national average, which is why the state is known for its expensive rates. Premiums run even higher in the city, so saving while insuring a vehicle in San Antonio is imperative. Let's 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
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 premiums. Being single, as opposed to married, can cost you close to 11% more per year on car insurance. 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
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
Do you have an accident or violation on your record? That can influence your prices on car insurance. 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
Car Insurance Companies in San Antonio
Find Local San Antonio Agents
12702 Toepperwein Rd San Antonio, TX 78233
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209
Anglesey Insurance Agency, LLC
13620 NW Military Hwy San Antonio, TX 78231
TWFG Insurance Services
1802 NE Loop 410 Ste 520 San Antonio, TX 78217
IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200 San Antonio, TX 78218
Independent Insurance Center, Inc
1739 Citadel Plaza San Antonio, TX 78209
1250 NE Loop 410, Ste 920 San Antonio, TX 78209
Bluebonnet Independent Insurance Center
113 W. Castano, No. 1 San Antonio, TX 78209
Phil Huizar Insurance Agency
16170 Jones Maltsberger Rd Ste 103 San Antonio, TX 78247
1100 NE Loop 410 San Antonio, TX 78209
Belken Insurance Associates
8626 Tesoro Drive, Suite 310 San Antonio, TX 78217
Roten & Company Agency
1383 E. Bitters Ste 2 San Antonio, TX 78216
Preferred Personal Insurance Agency, LLP
13333 Blanco Rd San Antonio, TX 78216
Hal Harris Insurance Agency
133 Lanark Dr San Antonio, TX 78218
Westex Insurance Services Inc
15701 Henderson Pass San Antonio, TX 78232
Purvis Agency, LLC
13485 Wetmore Rd. San Antonio, TX 78247
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100 San Antonio, TX 78239
Global Green Insurance Agency
2700 NE Loop 410 San Antonio, TX 78217
Whitaker Insurance Associates, Inc.
8626 Tesoro Dr #310 San Antonio, TX 78217
San Antonio Insurance Agency
1100 NE Loop 410 Ste 650 San Antonio, TX 78209
Austin Hwy/Nix Insurance
1991 Austin Hwy San Antonio, TX 78218
CS Innovative Insurance Solutions LC
9842 Lorene Ln San Antonio, TX 78216
David Ison Insurance, Inc.
1383 E Bitters Rd Ste 1 San Antonio, TX 78216
Bear Insurance Agency, Inc.
PO Box 34477 San Antonio, TX 78265
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San Antonio Car Insurance
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