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 Average||State Average||National Average|
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
|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 Quality||Average Rate|
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
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/Gender||Average Rate|
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
Westex Insurance Services Inc
15701 Henderson Pass San Antonio, TX 78232
12702 Toepperwein Rd San Antonio, TX 78233
Versatile Insurance Planners
901 NE Loop 410 San Antonio, TX 78209
The average San Antonian's annual cost of coverage
Our customer's average savings after comparing insurance
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