What's the Cost of Car Insurance in San Antonio?


Texas premiums surpass the national average by 27%, which is why the state is known for its costly rates. Premiums run high in the city as well, so it is critical to save while insuring a vehicle in San Antonio. Keep some cash in your pocket by following our tips and saving on auto insurance in San Antonio.


INSURANCE PRICES: SAN ANTONIO VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,886$1,810$1,427


San Antonio Car Insurance by Violation or Accident History


Possessing an untarnished driving record is vital to keep the cost of car insurance premiums low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. If you are found at-fault in an accident in San Antonio, you can expect your yearly car insurance payments to rise by 50%. Drivers with a DUI in San Antonio need to spend $782 more than the city average to insure their vehicle. Reckless driving will push your rates up as well, with average rates of $2,602.


AVERAGE SAN ANTONIO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI/DWI$2,668
Reckless Driving$2,602
At-fault Accident (damages less than $1,000)$2,825
At-fault Accident (damages greater than $2,000)$2,825
Speeding Ticket (16-20 mph over speed limit)$1,968


San Antonio Auto Insurance by Credit Score


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the greatest reduction in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $389 per year.


SAN ANTONIO CAR INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Rate
Very Poor$3,295
Fair$2,790
Good$2,316
Very Good$1,951
Exceptional$1,562


San Antonio Car Insurance Rates by Age

With typical payments of $6,130, teenage drivers are the ones who pay the most in car insurance premiums. Drivers in San Antonio see the most significant decrease in premiums when they reach their 20s, as they pay an average of $3,841 less after moving out of the teenage age range. Turning 60 causes an increase in premiums, but up until that point drivers can expect premium reductions when they transition from one age group to the next. When looking across all age groups, drivers in their 50s have the smallest car insurance payments. Their rates typically average $1,609. However, people in their 60s ($1,681) aren’t paying significantly more.


SAN ANTONIO CAR INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$6,130
20s$2,289
30s$1,858
40s$1,799
50s$1,609
60s$1,681
70s$2,092


San Antonio Auto Insurance by Gender and Marital Status


Car insurance premiums in San Antonio are affected by marital status and gender. However, premiums for men and women usually only deviate slightly, with men paying more. Believe it or not, marital status has a substantial impact on premiums. Being single, as opposed to married, can cost you around 11% more per year on car insurance. Rates for those who are widowed are also significantly cheaper than rates for those who are single.


SAN ANTONIO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,870
Male$1,886
Single$1,886
Married$1,698
Divorced$1,886
Widowed$1,708


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 Codes

78285   78284   78241   78237   78206  

Cheap Zip Codes

78266   78232   78253   78248   78259  

Be Prepared For

Driving in the Alamo City

Major Highways
U.S. 87 U.S. 90 U.S. 81
Public Transit
VIA Bus The E VIA Primo
Toll Roads
SH 130
Popular Day Trips
Krause Springs Castroville Spoetzl Brewery

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

Car Insurance Companies in San Antonio

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local San Antonio Agents

Westex Insurance Services Inc

15701 Henderson Pass San Antonio, TX 78232

GSM Insurors

12702 Toepperwein Rd San Antonio, TX 78233

Versatile Insurance Planners

901 NE Loop 410 San Antonio, TX 78209

Not sure about San Antonio

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Irving

$1,475

The average San Antonian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

393

That's equal to 393 tacos or $590 in savings

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