Best Auto Insurance Rates in San Antonio, Texas

On average, your neighbors pay $113 a month.

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Compare Auto Insurance Quotes in San Antonio, TX

San Antonio, Texas is frequently overlooked due to higher-profile Texas cities like Austin or Dallas, but it actually has a larger population than either city. On the subject of overlooking big things, drivers shouldn’t overlook saving big money by finding affordable car insurance rates in San Antonio.

Average San Antonio Car Insurance Rates

How much is car insurance in San Antonio, TX? The high rate of car accidents and vehicle thefts per capita means that more insurance claims are filed here than in most cities. Residents shouldn't be surprised that insurance costs more in San Antonio than the national average.

The average cost of car insurance in San Antonio is $1,332.30 a year for men and $1,381.35 for women. This is well above the $905.64 per year paid for average auto insurance in Texas. The national average cost is $866.31.

Prices will vary depending on your driving record and the number of claims filed in your zip code.

San Antonio Average Annual Car Insurance Rates
Coverage Men Women
Liability $804.29 $858.17
Collision $367.37 $367.24
Comprehensive $160.64 $155.94
Total Cost Per Year $1,332.30 $1,381.35
Price Per Month $111.03 $115.11
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in San Antonio owning a 2010 Honda Accord. Our rate profiles include currently insured males and females, with a clean driving record and drive less than 10,000 annual miles. Coverage includes Texas state liability minimum of $30,000/$60,000/$25,000 and 30/60/25 underinsured motorist coverage with $10,000 personal injury protection and a $500 comprehensive and collision deductible.

QuoteWizard helps consumers compare quotes from the top national insurance companies as well as local independent agents. Comparing quotes can help you find cheap car insurance rates near San Antonio, Texas and save up to 40% on your premium.

Last year, 32,658 people used QuoteWizard to compare auto insurance quotes in San Antonio, TX from multiple companies, and find the cheapest rates.

Top 10 Vehicles in San Antonio

These are the most common car makes and models owned by San Antonio QuoteWizard users last year.

  1. Ford F150
  2. Ford Mustang
  3. Honda Accord EX
  4. Ford Taurus SE
  5. Chevrolet C1500 Silverado
  6. Honda Accord LX
  7. Dodge Ram 1500
  8. Ford Ranger
  9. Nissan Altima 2.5 S
  10. Ford Focus SE
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in San Antonio

This is our list of the most common car insurance companies reported by QuoteWizard users living in San Antonio, TX last year. Of these users, 4,811 were uninsured when they requested a quote.

Other popular San Antonio, Texas auto insurance companies: Esurance, Safeco, MetLife, Texas Farm Bureau, American Family, Country Financial, Travelers, Hartford, and 21st Century.

San Antonio Drivers

A recent report on safe driving by Allstate ranked San Antonio, TX 138th out of 200 cities. Most US drivers go ten years without having an accident. Drivers here have crashes every 7.9 years. A rate 26.1% higher than the national average. Unfortunately, the high number of accidents means one thing for San Antonio drivers: higher than average car insurance rates.

Out of 32,658 local drivers that used QuoteWizard to request quotes last year, 1,748 had incidents on their driving records ranging from speeding tickets to car accidents to DWIs.

San Antonio drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Driving conditions are factors that can affect your rates.

Weather

San Antonio's climate is humid sub-tropical. Summers are hot. Winters are mild. Spring and fall are warm and wet. It does snow, but only once every three or four winters. Even then, accumulations are small and don't last long. However, thunderstorms are common and the area is one of the most flood-prone in the US. Rain-slicked roads can make driving here treacherous.

Road Conditions

TRIP reports that 49% of the roads in San Antonio are in poor condition. They also rate 30% of the roads mediocre. These poorly maintained streets costs drivers $838 a year in extra vehicle operating costs.

If you see a pothole or dangerous road damage, report it and the city will try to send a crew to fix it within 48 hours. However, the pothole repair "crew" typically consists of two people. So road damage after big storms can take longer than normal to repair.

Traffic Congestion

According to TomTom, San Antonio has the 32nd worst traffic congestion in the United States. An average driver spends an extra 25 minutes per hour stuck in traffic during rush hour commutes.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll need high-risk car insurance for bad drivers.

Traffic Tickets

The San Antonio Municipal Court website allows you to pay traffic citations. It also tells drivers how to contest tickets and provides helpful traffic court information.

DWI Arrests

San Antonio Police recorded 6,033 Driving While Intoxicated (DWI) arrests in 2014. A 9.4% decrease from 2013. In 2014, 43 fatal accidents involved drunk drivers.

SR-22 DWI Insurance

A DWI conviction could require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in San Antonio DWI insurance.

Car Accident Statistics

San Antonio officials reported 46,175 motor vehicle crashes in 2016. These crashes resulted in 16,041 injuries, 923 of them incapacitating.

DWI Crashes and Injuries

San Antonio reported 1,845 alcohol-related motor vehicle crashes in 2016. These accidents involving impaired drivers caused 782 injuries and 52 fatalities.

Traffic Fatalities

San Antonio esperienced 176 fatal collisions in 2016 resulting in 189 deaths in motor vehicle crashes.

This works out to a fatality rate of 12.66 per 100,000 residents. All traffic deaths are a tragic loss, and considering San Antonio's estimated population of 1,492,510 this city ranks among the nation's worst in terms of traffic fatalities per capita.

Vehicle Theft Rates

San Antonio reported 6,194 vehicle thefts in 2016. A rate of 4.21 per 1,000 residents. This is nearly double the national rate of 2.20 theft per 1,000 people.

Legal Minimum Insurance Requirements

San Antonio, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in San Antonio, TX depending on your carrier. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because it can save you the most. Bundling all of your vehicles and policies with one insurance company can save you 15% off your premium
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Keep your driving record clean of tickets and at-fault accidents to qualify for safe driver or accident-free discounts
  7. Live in a safe zip code. Areas with lots of criminal activity or dangerous driving conditions have more than their fair share of insurance claim filings. And this eventually leads to higher rates
  8. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  9. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  10. Get multiple quotes and compare cheap car insurance quotes in San Antonio and discover every auto insurance discount you may be missing out on

Sources:

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