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 AverageState AverageNational Average
$1,902$1,792$1,569


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 ScoreAverage Car Insurance Rate
Very Poor$3,382
Fair$2,203
Good$1,902
Very Good$1,791
Exceptional$1,660


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/GenderAverage Rate
Female$1,887
Male$1,902
Single$1,902
Married$1,710
Divorced$1,902
Widowed$1,797


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
AgeAverage Rate
Teenagers$6,149
20s$2,398
30s$1,877
40s$1,824
50s$1,624
60s$1,691
70s$1,948


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 ViolationMean Rate
DUI$2,623
Reckless Driving$2,684
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.

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

Find Local San Antonio Agents

Eanes & Polk, Inc.

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

CS Innovative Insurance Solutions LC

9842 Lorene Ln San Antonio, TX 78216

Preferred Personal Insurance Agency, LLP

13333 Blanco Rd San Antonio, TX 78216

San Antonio Insurance Agency

1100 NE Loop 410 Ste 650 San Antonio, TX 78209

GSM Insurors

12702 Toepperwein Rd San Antonio, TX 78233

Purvis Agency, LLC

13485 Wetmore Rd. San Antonio, TX 78247

Kaliff Insurance

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

Versatile Insurance Planners

901 NE Loop 410 San Antonio, TX 78209

David Ison Insurance, Inc.

1383 E Bitters Rd Ste 1 San Antonio, TX 78216

Hal Harris Insurance Agency

133 Lanark Dr San Antonio, TX 78218

Bluebonnet Independent Insurance Center

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

Whitaker Insurance Associates, Inc.

8626 Tesoro Dr #310 San Antonio, TX 78217

Bear Insurance Agency, Inc.

PO Box 34477 San Antonio, TX 78265

Anglesey Insurance Agency, LLC

13620 NW Military Hwy San Antonio, TX 78231

Independent Insurance Center, Inc

1739 Citadel Plaza San Antonio, TX 78209

Austin Hwy/Nix Insurance

1991 Austin Hwy San Antonio, TX 78218

Westex Insurance Services Inc

15701 Henderson Pass San Antonio, TX 78232

IBC Insurance Agency, Ltd.

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

Global Green Insurance Agency

2700 NE Loop 410 San Antonio, TX 78217

Phil Huizar Insurance Agency

16170 Jones Maltsberger Rd Ste 103 San Antonio, TX 78247

INSURICA

1100 NE Loop 410 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

Belken Insurance Associates

8626 Tesoro Drive, Suite 310 San Antonio, TX 78217

Not sure about San Antonio

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Irving

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

See How Much You Can Save in San Antonio

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Recent Questions:

San Antonio Car Insurance

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.

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

Thanks for your question! Yes, you would need a new individual plan to cover a motor home. The good news is RV liability 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.

When do I have to pay my deductible

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.