On average, your neighbors pay $113 a month.See Your Rates
San Antonio, Texas is often 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.
How much is car insurance in San Antonio, TX? The high rate of car accidents and vehicle thefts means 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 amount paid for average auto insurance in Texas. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.
Prices will vary depending on your driving record and the number of claims filed in your zip code.
|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. They rent in San Antonio and own a 2010 Honda Accord. Our rate profiles include currently insured males and females, with clean driving records 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. Plus a $500 comprehensive and collision deductible.|
The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.
QuoteWizard helps consumers compare quotes from the top national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Antonio, Texas. You could 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 to find the cheapest rates.
These are the most common car insurance companies reported by QuoteWizard users in San Antonio, TX last year. Of these users, 4,811 were uninsured when they requested a quote.
Other popular San Antonio, Texas insurance companies: Esurance, Safeco, MetLife, Texas Farm Bureau, American Family, Country Financial, Travelers, and Hartford.
These are the most common car makes and models owned by San Antonio QuoteWizard users last year.
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. They ranged from speeding tickets to car accidents to DWIs.
Driving conditions are factors that can affect your rates.
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.
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, report it and a crew should be sent to fix it within 48 hours. The pothole repair "crew" typically consists of two people. So road damage after big storms can take longer than normal to repair.
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 like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license. This will give you a bad driving record. If this happens, you'll need high-risk car insurance for bad drivers.
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.
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.
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.
San Antonio officials reported 46,175 motor vehicle crashes in 2016. These crashes resulted in 16,041 injuries. 923 of them were severe.
San Antonio reported 1,845 alcohol-related motor vehicle crashes in 2016. These accidents involving impaired drivers caused 782 injuries and 52 fatalities.
San Antonio experienced 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. Considering San Antonio's estimated population of 1,492,510 this city ranks among the nation's worst in terms of traffic fatalities.
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.
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:
Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. These are some of the 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.
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