Car Insurance in San Antonio
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Car Insurance in San Antonio, TX
As the second-largest city in Texas, San Antonio has attractions like the San Antonio River Walk and the Alamo. Residents appreciate its countless green parks, museums, and walkable districts. The city also houses several major companies, including Valero Energy, Pearson, and Southwest Research Institute.
Driving in San Antonio can sometimes feel overwhelming, especially if you're unfamiliar with the city's infrastructure. However, understanding the driving rules can make things easier. Remember to use your turn signals when changing lanes or making a turn, and don't use your cell phone when driving.
Given San Antonio's size, insurers may charge higher rates here than in smaller cities. Texas law requires all drivers to carry car insurance with at least 30/60/25 coverage, but you may be required to purchase more if you have an auto loan or lease.
Insurers factor your location and zip code into your policy costs. EverQuote can help you compare car insurance quotes in San Antonio, potentially saving you money.
How much is car insurance in San Antonio, TX?
The total cost of car insurance in San Antonio can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in San Antonio?
It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in San Antonio:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $193 |
| 2 | Subaru Forester | $195 |
| 3 | Honda Cr-V | $195 |
| 4 | Toyota Corolla | $197 |
| 5 | Kia Sedona | $198 |
| 6 | Ford Fusion | $199 |
| 7 | Toyota Rav4 | $200 |
| 8 | Kia Sol | $200 |
| 9 | Toyota Tacoma | $202 |
| 10 | Ford F-150 | $207 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving record influences your car insurance premiums. Events such as minor accidents, serious collisions, speeding tickets, DUIs, or hit-and-runs can all alter your insurance costs. The following summary outlines how rates change with common claims and infractions in San Antonio, listed from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $200 | 0% |
| Not at-fault Accident | $214 | +7% |
| Driving with expired registration | $230 | +15% |
| Speeding Ticket | $244 | +22% |
| DUI | $276 | +38% |
| Driving with a suspended license | $293 | +47% |
| Hit and Run | $300 | +50% |
| At-fault Accident | $323 | +62% |
What car insurance discounts can I get in San Antonio?
In San Antonio, various discounts can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $176 | +$24 |
| Paid in Full | $189 | +$11 |
| Low Mileage | $192 | +$8 |
| Multi-Policy Renters | $192 | +$8 |
| Renewal discount | $193 | +$7 |
| Paperless | $197 | +$3 |
| Electronic Funds Transfer | $198 | +$2 |
| None | $200 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.