Best Auto Insurance Rates in San Antonio, Texas

Compare Car Insurance in San Antonio

Thursday, January 3 2019 By QuoteWizard

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.

Average San Antonio 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 is more expensive 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.

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
These average rates are based on our sample quote data. 1

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 car insurance quotes in San Antonio, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in San Antonio, TX

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.

Top 10 Vehicles

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

Minimum Car Insurance Requirements in San Antonio, TX

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.

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. They ranged from speeding tickets to car accidents to DWIs.

Driving Conditions

Driving conditions in San Antonio are factors that can affect your insurance 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 29 percent of the roads in San Antonio are in poor condition. They also rate 31 percent of the roads mediocre. These poorly maintained streets costs drivers $710 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom, San Antonio ranks 143rd in the world for worst traffic congestion. An average driver spends an extra 26 minutes per hour stuck in traffic during rush hour commutes.

Moving Violations

Speeding tickets and accidents add points to your driver's license. And these points can remain on your driving record for as many as three years. If your insurer discovers them, they'll raise your rates. Drivers that get so many tickets that their status is changed from preferred to non-standard or high-risk driver by their insurance carrier.

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.

DWI Crashes and Injuries

San Antonio reported 1,809 alcohol-related motor vehicle crashes in 2017. These accidents involving impaired drivers caused 932 injuries and 49 fatalities.

Car Accident Statistics

San Antonio officials reported 43,466 motor vehicle crashes in 2017. These crashes resulted in 21,817 injuries. 936 of them were serious.

Traffic Fatalities

San Antonio experienced 143 fatalities in motor vehicle crashes in 2017. All traffic deaths are a tragic loss. Considering San Antonio's estimated population of 1,511,945 this city ranks among the nation's worst in terms of traffic fatalities.

Vehicle Theft Rates

San Antonio reported 6,878 vehicle thefts in 2017. A rate of 4.55 per 1,000 residents. This is nearly double the national rate of 2.37 theft per 1,000 people.

Car Insurance Discounts

Discounts are a great way to lower your insurance rates. These are some of the auto insurance discounts available to San Antonio, TX drivers.

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 20 percent
2. 11.6 percent of San Antonio drivers are over the age of 65. If you're one of them, sign up for the the senior or 55 and retired discount
3. Active duty and retired members of the Military, National Guard, or Reserves get a discount for their service. So, if you're one of the over over 31,000 active duty service members or in the San Antonio area, make sure to ask about these savings. 12.9 percent of of San Antonians are veterans. If you're one of them, you can get in on the savings, too
4. Bundling your auto insurance with either homeowners or renters can save you as much as 25 percent off your insurance
5. Live in a safe zip code. Areas with lots of criminal activity or bad driving conditions have more than their fair share of insurance claim filings. And this eventually leads to higher rates. Unfortunately, crime in San Antonio, TX is pretty bad. In fact, it has worse crime most cities its size
6. Many insurers offer drivers a marriage discount. If you're one of the 46.3 percent of San Antonio residents who are married, make sure to get in on the savings

Rate Methodology

¹ We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

Sources:

• City of San Antonio Texas
• San Antonio, TX Municipal Court
• San Antonio Texas Crime Rates
• United States Census Bureau - San Antonio, TX

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