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.

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.

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.

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.

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.

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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in San Antonio

Find Local San Antonio Agents

Westex Insurance Services Inc

15701 Henderson Pass San Antonio, TX 78232

CS Innovative Insurance Solutions LC

9842 Lorene Ln San Antonio, TX 78216

TWFG Insurance Services

1802 NE Loop 410 Ste 520 San Antonio, TX 78217

Not sure about San Antonio

Check out these other Texas cities...




Fort Worth

El Paso


Corpus Christi







The average San Antonian's annual cost of coverage


Our customer's average savings after comparing insurance


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

See How Much You Can Save in San Antonio

Click below to get free quotes in seconds!

Start Saving Now!