Find Car Insurance in San Antonio, Texas

What You Should Know About Car Insurance in San Antonio, TX

Texas is known for many things, including some of the world’s best barbecue, country music, and the Dallas Cowboys. It is also famous for the Alamo, which is located in San Antonio. Founded in 1718, San Antonio is the seat of Bexar County in south-central Texas and is 150 miles from the Mexico border.

There are many destinations to visit in San Antonio, like the McNay Art Museum or the Riverwalk that runs through downtown. Other popular activities include visiting the San Antonio Missions National Historical Park, taking in a Spurs basketball game, or hiking at Friedrich Wilderness Park. A significant component of San Antonio’s economy is tourism — and with those tourists come more drivers. For a city covering 412 miles, San Antonio already has its share of traffic.

Protect yourself on the busy roads by having the best auto insurance in Texas from agents who provide concierge service.

How Much Does Car Insurance Cost in San Antonio, Texas?

Rates vary according to your specific situation, but drivers pay a yearly cost of about $2,019 for full coverage and $565 for liability car insurance in Texas. This is about the same as the U.S. averages of $2,014 for full coverage and $622 for minimum coverage.

What Does Full Coverage vs. Minimum Liability Mean?

Liability insurance covers vehicle damage and medical expenses you cause another driver in an accident that is your fault — it does not cover your own damage. To cover both your vehicle damage and medical expenses, you will need full coverage.

Full coverage in Texas includes the state-mandated liability coverage (30/60/25) and collision and comprehensive.

All liability plans in Texas include PIP coverage unless you put in writing that you do not want the coverage. Your agent can answer questions about the options that best fit your situation.

Affordable Car Insurance Rates Comparison by Cities in San Antonio

Agents examine car theft and accident statistics in your residence zip code to help figure out your rates. If you live in an area with many accidents, your rates will likely be higher than if fewer accidents occur.

Below are the average rates in San Antonio and some other Texas cities.

City	Full Coverage Insurance	Liability Insurance Coverage
San Antonio	$170	$52
Killeen	$144	$42
Austin	$151	$46
Corpus Christi	$161	$51
Houston	$191	$56

How Bundling Your Car and Homeowners Insurance Can Save You Money in San Antonio

There are a few ways to customize your auto coverage and streamline it at the same time. Bundling policies is one of those ways. Bundling can save you money — it also can save you the time you would otherwise spend juggling paperwork from multiple carriers.

If you need car insurance for more than one vehicle or you need auto coverage and another type of coverage, such as rental or homeowners insurance, you can save up to 25% by buying it from one provider.

Enjoy one-stop-shop services and cost savings when your expert InsureOne agent compares plans for you and bundles your policies.

What Types of Car Insurance Discounts Are Available in San Antonio?

Another way you can save besides bundling is through various discounts insurers offer on auto coverage. A few of the discounts you might be eligible for include:

• Customer loyalty
• Good driver
• Good student
• Senior citizen
• Low mileage
• Military

Insurers enjoy finding ways to reward drivers. Ask your agent about other discounts that may be available for your specific circumstances.

Notable Car Insurance Laws in San Antonio

Texas requires all its drivers to carry liability insurance. If the police catch you driving without this required policy, you can receive substantial fines. A repeat offender may even have their vehicle impounded.

What Are the Mandatory Car Insurance Requirements in San Antonio?

Just like other Texans, San Antonio residents are required to have car insurance to drive legally. This insurance provides financial protection for damage you cause if you are determined to be at fault in an accident.

The state sets the following minimum liability coverage levels for all its residents who are drivers:

• $30,000 per person bodily injury coverage
• $60,000 per accident bodily injury coverage
• $25,000 property damage coverage

Keep in mind your insurance will pay for damage up to these limits. You may opt to increase your liability coverage to protect your bank account in cases where the damage cost is beyond your coverage, such as if you hit a high-end car.

Although the state does not require comprehensive and collision coverage, your lender will require you to purchase it while you are making car payments.

What Is the Penalty for Driving Without Insurance in San Antonio?

If a police officer catches you driving uninsured, which is against the law, you face the following consequences:

• Fines (up to $1,000)
• Vehicle impoundment (up to 180 days)
• Driver’s license suspension (up to two years)

With each number of offenses, the penalties may increase.

It will cost you about $52 a month for the best liability coverage to help you drive with the assurance you are protected and not at risk of such consequences.

Do San Antonio-Specific Laws Play a Role in Determining Your Insurance Premiums?

Your expert agent will consider several factors to provide your unique quote. If you only take an occasional drive, such as to La Villita for a weekly excursion, your agent may lower your rate to provide you with cost savings.

Other factors agents consider:

• Driving history: Carriers may provide a lower rate if you have been driving for a number of years with a clean driving record.
• Claims history: Carriers review your driving record. If it is claim-free, your rate will likely be lower.
• Car age: Carriers may offer you a lower rate if you drive an older car, which may be less expensive to fix and replace. This excludes classic cars.
• Car make and model: Carriers consider your car type because some are more expensive to repair and replace than others and will, therefore, cost more to insure.

Typical Driving Conditions in San Antonio

In San Antonio, a city of around a million and a half residents with a travel time of about 25 minutes to and from work each day, you can expect busy highways. Add in San Antonio’s weather — the city sees close to 33 inches of rain per year with the occasional thunderstorm, which often includes hail — and you may find yourself in a precarious driving situation.

How Many Car Accidents Happen in San Antonio Per Year?

In 2023, San Antonio had 160 fatal accidents. In the below chart, you can see the total number of crashes in San Antonio compared to some other Texas cities, as reported by the Texas Department of Transportation:

City	Total Crashes
San Antonio	40,077
Killeen	2,325
Austin	12,138
Corpus Christi	7,435
Houston	67,644

How Many Uninsured/Underinsured Motorists Are in San Antonio?

Statistics show that about 20% of Texas residents who drive are uninsured, as reported by the Texas Department of Motor Vehicles. That means about one of every five drivers on the road has no coverage. You can protect yourself from these uninsured (and underinsured) drivers by adding uninsured/underinsured motorist coverage to your policy.

Your friendly InsureOne agent can answer your questions and come up with a policy that meets your needs.