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WHAT DRIVES UP CAR INSURANCE RATES IN San Antonio
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
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 Zip Codes78285 78284 78241 78237 78206
Cheap Zip Codes78266 78232 78253 78248 78259
Be Prepared For
Driving in the Alamo City
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
Find Local San Antonio Agents
Eanes & Polk, Inc.
8206 Rough Rider, Ste. 100 San Antonio, TX 78239
Purvis Agency, LLC
13485 Wetmore Rd. San Antonio, TX 78247
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209