Car Insurance in San Antonio
It is common knowledge that Texas has pricey premiums, as its mean rate is 27% greater than the national average. Premiums also run high in the city, so cutting costs while insuring a vehicle in San Antonio is especially vital. Let’s get started on how to save on car insurance in San Antonio.
- City Average: $1,886
- State Average: $1,810
- National Average: $1,427
San Antonio Car Insurance by Credit Rating
Average car insurance premiums in San Antonio for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). In terms of percent change, the largest benefit of better credit occurs when rising from Very Good (740-799) to Exceptional (800-850), by which drivers can save an average of 20% per year.
- Very Poor: $3,295
- Fair: $2,790
- Good: $2,316
- Very Good: $1,951
- Exceptional: $1,562
San Antonio Car Insurance by Age
When drivers hit their 20s in San Antonio, therefore moving out of the teenage age range, they pay $3,841 less in premiums. It is the largest gap between any age group. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60. With typical rates of $6,130, teenage drivers pay the most in car insurance premiums. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest payments among any age group, with rates of $1,609. However, people in their 60s ($1,681) aren’t paying significantly more.
- Teenagers: $6,130
- 20s: $2,289
- 30s: $1,858
- 40s: $1,799
- 50s: $1,609
- 60s: $1,681
- 70s: $2,092
San Antonio Car Insurance by Gender and Marital Status
Car insurance premiums in San Antonio can be influenced by driver traits such as gender and marital status. Believe it or not, marital status has a substantial impact on premiums. Being married can save you close to $190 per year compared to being single. Rates for those who are widowed are also way cheaper than rates for those who are single. Premiums for women are generally a little cheaper than for men.
- Female: $1,870
- Male: $1,886
- Single: $1,886
- Married: $1,698
- Divorced: $1,886
- Widowed: $1,708
San Antonio Car Insurance by Accident or Violation History
Having an unblemished driving record is vital if you want to keep your car insurance premiums low. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Expect your yearly car insurance payments to grow by $939 if you are found at-fault in an accident in San Antonio. Speeding 16-20mph above the speed limit can drive up your prices. Those with a speeding ticket on their record pay, on average, $82 more per year.
- DUI: $2,668
- Reckless Driving: $2,602
- At-fault Accident (damages less than $1000): $2,825
- At-fault Accident (damages greater than $2000): $2,825
- Speeding Ticket (16-20 mph over speed limit): $1,968
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
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100 San Antonio, TX 78239
Westex Insurance Services Inc
15701 Henderson Pass San Antonio, TX 78232
Phil Huizar Insurance Agency
16170 Jones Maltsberger Rd Ste 103 San Antonio, TX 78247
IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200 San Antonio, TX 78218
CS Innovative Insurance Solutions LC
9842 Lorene Ln San Antonio, TX 78216
Bear Insurance Agency, Inc.
PO Box 34477 San Antonio, TX 78265
Roten & Company Agency
1383 E. Bitters Ste 2 San Antonio, TX 78216
Global Green Insurance Agency
2700 NE Loop 410 San Antonio, TX 78217
Belken Insurance Associates
8626 Tesoro Drive, Suite 310 San Antonio, TX 78217
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209
Anglesey Insurance Agency, LLC
13620 NW Military Hwy San Antonio, TX 78231
Preferred Personal Insurance Agency, LLP
13333 Blanco Rd San Antonio, TX 78216
Purvis Agency, LLC
13485 Wetmore Rd. San Antonio, TX 78247
Independent Insurance Center, Inc
1739 Citadel Plaza San Antonio, TX 78209
1100 NE Loop 410 San Antonio, TX 78209
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
Hal Harris Insurance Agency
133 Lanark Dr San Antonio, TX 78218
Austin Hwy/Nix Insurance
1991 Austin Hwy San Antonio, TX 78218
Bluebonnet Independent Insurance Center
113 W. Castano, No. 1 San Antonio, TX 78209
1250 NE Loop 410, Ste 920 San Antonio, TX 78209
12702 Toepperwein Rd San Antonio, TX 78233
TWFG Insurance Services
1802 NE Loop 410 Ste 520 San Antonio, TX 78217
David Ison Insurance, Inc.
1383 E Bitters Rd Ste 1 San Antonio, TX 78216
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San Antonio Car Insurance
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