San Antonio Car Insurance Rates
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UPDATED: Nov 4, 2019
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San Antonio drivers can expect an average car insurance cost of $1,536 a year, or $128 a month. Estimated comprehensive, collision, and liability insurance costs are $338, $617, and $408, respectively. A liability-only policy will cost an average of $482 a year, and the estimated cheapest full coverage discount rate is $881.
State Farm is the largest auto insurer in San Antonio, with an average rate of $1,480 a year. Allstate, GEICO, Farmers, and Progressive are the second through fifth most popular insurance companies, with prices ranging from $1,681 to $2,114 a year.
Price Ranges for San Antonio Car Insurance
The following illustrations show average price ranges for car insurance in San Antonio. Costs range from a low of $40 a month for just liability coverage, up to a high of over $470 a month for a 16-year-old driver with full coverage.
Price Range by Policy Type
Not having to insure your vehicle for collision and comprehensive losses results in the cheapest rates, at an estimated $482 a year. This rate is based on 30/60/25 liability limits, which is the minimum required by Texas state law. These numbers mean the policy provides $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability coverage per occurrence, and $25,000 of property damage liability insurance.
Drivers who incur too many driving violations in a certain time frame or have serious violations like DUI or driving on a revoked license pay much higher rates due to the increased risk of having a claim. High-risk, or ‘non-standard’, insurance may be required in these situations, and coverage may have to be sourced from a carrier that specializes in high-risk policies.
Price Range for Full Coverage
The chart below shows estimated rates for a variety of different scenarios. The discount rate is the best rate available, when a preferred driver qualifies for most of the discounts available from a company. Low, average, and high deductible rates are shown ranging from $1,320 to $1,958 a year, as well as prices for high-risk drivers and teen drivers, who pay the highest rates at $5,671.
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Price Range by Company
There are a lot of car insurance companies available in San Antonio, each with a different price based on the type of vehicle you drive, your driving record, which part of San Antonio you live in, and the types of coverage you need.
The companies below are the ten largest by market share, with average rates for each.
|Rank||Company||Market Share||Average Rate|
|8||Texas Farm Bureau||3.61%||$1,223|
|Get Your Rates Go|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Cost by Vehicle Make and Model
Your choice of vehicle is a large factor that determines how much insurance will cost. If you like high performance or exotic cars, rates will be quite a bit higher than lower-performance budget-friendly models.
The table below shows estimated prices for some of the more popular vehicles in San Antonio.
|Make and Model||Annual Premium||Monthly Premium|
|Get Rates for Your Vehicle Go|
Cost by Changes to Policy Deductibles
Physical damage coverage consists of comprehensive and collision insurance. These two coverages protect against damage to your vehicle caused by rollover, impact with another vehicle or object, or perils like flooding, hail, theft, vandalism, and fire.
High deductibles are cheaper due to the fact that you are shouldering more of the cost of a claim, while low deductibles require your car insurance company to pay more, which results in higher premium on your policy.
The chart below shows the cost of car insurance with different policy deductibles for drivers aged 20 to 70.
Price Differences Based on Driving Record Points
There are as many driving styles as there are drivers in San Antonio, and the ones with points on their driving record will pay more to insure their vehicles. Minor violations like speeding tickets, failure to yield, or failure to signal a lane change won’t have as significant an impact on rates as major violations like a DUI will. But as points add up over time, you’ll see rates climb along with them.
The chart below demonstrates how car insurance rates can increase after receiving different traffic citations.
Understanding Car Insurance Rates
Most drivers don’t consider how insurance rates will respond to things like vehicle choice or a bad credit rating. They assume most of the factors that determine price are out of their control. When in fact, consumers have a great deal of control over how much they’re paying for coverage.
The largest controllable contributor to high auto insurance prices is how you drive. We don’t have to tell you that not getting into accidents and avoiding tickets keeps rates down. Everyone knows that. But putting that idea into action can be harder for some people than others.
Other factors that can help keep rates down include:
- Owning your home and bundling your homeowners and auto insurance policies
- Insuring multiple vehicles on the same policy
- Being claim-free
- Paying your policy in full rather than opting for monthly payments
- Quoting your policy online well in advance of the expiration date
- Buying vehicles with safety features like automatic braking and lane departure warning
- Taking a company-approved driver’s safety course
- Maintain a high credit rating and never let your policy lapse
These tips can go a long way in reducing your rates, and one last tip to help you save money is to try to make a habit of shopping around for lower prices. Companies file rates several times a year with the Texas Department of Insurance, and rate changes are not the same for every company.
If you’ve been with the same company for several years, or have never compared prices from competitors, now is a great time to shop around and get comparison quotes. Simply changing companies can often save hundreds of dollars per year, and since it only takes a few minutes to get a quote, that’s time well spent.
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$151|
|5-yr Claim Free||$130|
|Paid in Full/EFT||$95|
Discounts are estimated and may not be available from every company or in every state.