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Looking for cheap auto insurance in San Antonio, TX? From AutoInsuranceEZ.com, you will discover the cheapest insurance rates where you live. To acquire free car insurance quotes available from the leading providers right away, provide your postal code within the quote box here.

If you’re in San Antonio, you’d better “Remember the Alamo”, because it’s hard to visit or live in this city without becoming immersed in the area’s rich history and culture. Additionally, it has a diversified economy, employing its residents in dynamic industries such as high-technology, military operations, trade, and of course, tourism.

Fun fact: it might seem strange to some, but San Antonio is actually #7 on the list of “Top 100 biggest cities”. Way to go, San Antonio! Read up on San Antonio by clicking here.

Auto Insurance Coverage Requirements in Texas

Driving legally in San Antonio requires:

Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

Like many US states, Texas only requires Liability coverage in order to drive legally. However, unlike other states, the minimum amounts of coverage which you must purchase are slightly higher than they are in nearby states.

Here’s a little more information about Texas Car Insurance: the state average for all motorists is somewhere around $135 each month, sometimes just for very basic coverage. But San Antonio residents might be able to lower that down to $89/mo* if you let us show you how!

Average Monthly Auto Insurance Premiums Legend: San Antonio Texas Farm Bureau State Farm Encompass Mercury Allstate 10 20 30 40 50 60 70 80 90 100 110 120 $55 $90 $85 $86 $127

 

Some of the most affordable rates are being offered by Encompass or Texas Farm Bureau right now. But affordability sometimes implies more than what follows the dollar sign. Sure, a company may advertise a low rate, but what if they make it difficult to file a claim? Suddenly, that bargain insurance comes at a very steep price.

Those that underwrite auto insurance plans contemplate several factors when establishing insurance quotes, including marital status, where you live, your credit report, driving distance to work, and current insurance coverage and limits. Also don’t forget that premiums differ from amongst providers. To find out if that you’re still getting the cheapest rate, do a comparison of cheap San Antonio auto insurance quotes online.

Major Car Insurance Factors in San Antonio

At the time your car insurance provider gets ready to build your policy, they take a lot of variables into consideration. Some, for example your car’s make/model or maybe your particular address, usually are improbable to change. A few additional elements are:

  • Your Zip Code

The spot where you park your vehicle every night will have a major influence on your auto insurance rate. Generally, auto insurance cost less in outlying regions merely because a lower number of cars and trucks signifies a smaller possibility that you’ll get in an accident with some other automobile. The population of San Antonio is 1,409,019 and also the typical family income is $45,399.

Auto Insurance by Zip Code Legend: San Antonio Fort Worth Dallas Austin Houston Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $55 $49 $80 $56 $60 $90 $85 $97 $89 $90 $85 $81 $111 $71 $109 $86 $90 $110 $90 $114 $127 $118 $165 $132 $140

 

  • Automotive Accidents

Take a look at the accident statistics below. To put them in perspective, the average San Antonio driver has a 1 in 4,000 chance of getting involved in a fatal accident every time they drive. That’s actually twice as high as Los Angeles. And in cities with high accident rates, insurance premiums automatically spike. But ask your provider if you might be eligible for a safe driver discount.

Fatal Accidents in San Antonio, TX Legend: San Antonio Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 50 100 150 200 250 300 153 221 55 168 346 58

 

  • Auto Thefts in San Antonio

Here’s another unfortunate statistic for San Antonio: there were a grand total of 6,577 automotive thefts in 2013. And that number is a spike from the previous year. In addition to installing a passive anti-theft device on your vehicle, check your policy and make sure you have Comprehensive coverage too (which is the only coverage which pays out theft claims).

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 $55 $79 $90 $108 $85 $108 $86 $90 $127 $136

 

  • Your Credit Score

In many states, insurance providers charge very harsh penalties and/or raise premiums sky high if you happen to have a poor credit score. Texas is no exception. Some drivers with poor credit can expect as much as a 324% mark up. And some providers, like Allstate, may refuse to offer you a policy.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 30 60 90 120 150 180 210 240 270 300 $58 $108 $72 $173 $93 $302 $76 $105 $113

 

  • Your Age

Teenage drivers in Texas face some of the harshest premium spikes when it comes to automotive insurance. This is due to their lack of driving experience and inherently higher risk. But thankfully, a Good Student or Driver’s Ed discount can help reduce the burden.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50 100 150 200 250 300 350 400 450 500 $55 $196 $90 $300 $85 Do Not Sell $86 $519 $127 $448

 

  • Your Driving Record

Again, the “everything is bigger in Texas” applies to raised insurance premiums as well. A serious accident on your record could end up doubling your monthly rate, and many providers won’t offer coverage for serious violations (like DUIs). But check with your company and ask about a new discount that’s going around: it’s called Accident Forgiveness, and it could save you some money if you don’t have anything too extreme on your driving record.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 210 $55 $67 $112 $82 $90 $89 $143 $107 $85 $109 Do Not Sell $159 $86 $110 $111 $133 $127 $133 Do Not Sell $219

 

  • Your Vehicle

There aren’t many scenarios where you can get away with carrying the state minimum coverage on, say, a Porsche or a Ferrari. Then again, why would you want to? Carrying anything less than a luxury insurance policy for a luxury vehicle is going to cost you more in theft, maintenance, and repairs than it will in monthly premiums over the long term.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 $55 $89 $90 $145 $85 $106 $86 $113 $127 $194

 

Minor Car Insurance Factors in San Antonio

Don’t forget about these lesser, but still fairly important, factors:

  • Your Marital Status

If you’re sick of ridiculously high insurance prices in Texas, try bundling your auto policy together with that of your spouse. You can also get bundling discounts for bundling boat, RV, or motorcycle insurance, too.

  • Your Gender

Insurance companies are slowly but surely moving away from the old practice of charging men and women different rates. Yes, there are still a handful of companies which still do, but getting them to agree on which gender deserves to be charged more is almost impossible.

  • Your Driving Distance to Work

Driving around San Antonio can be hit or miss at times. While average commutes usually range between 16-20 minutes, they can often be as short as 11 minutes or as long as 28 minutes! Also, the fact that 75% of residents prefer to drive around in their own truck or car probably doesn’t help the congestion. Around 4-13% of people will choose to carpool as an alternative.

You may have heard a rumor about how driving fewer miles can lower your rates. Well, that rumor is true. However, you’d have to cut somewhere between 15-20 miles out of your daily driving just to see a 3-4% discount.

  • Your Coverage and Deductibles

Raising your deductible is a great way to take some of the financial risk off of your insurance provider. And in turn, they’ll reward you with a lower premium. But do yourself a favor, and save up a little money first. Because you’ll be stuck if the worst happens and you suddenly don’t have the money to pay your deductible.

  • Education in San Antonio, ST

The majority of San Antonio locals are nearly split down the middle when it comes to their average level of education: nearly 25% have not yet graduated from the secondary level, while a little over 24% have successfully completed all four years of high school. Unfortunately, these drivers are also at a disadvantage when it comes to auto insurance rates, because they tend to be charged more than motorists with post-secondary degrees.

One of the largest public colleges in the state is UTSA, the University of Texas at San Antonio. There are more than 100 different degree programs students can apply to, whether they are looking for a bachelor’s or a master’s degree. And if you are looking for a two-year college, you might want to investigate Palo Alto College for a degree in Environmental Technology or Nursing, among many other professions.

You shouldn’t enable an undesirable car insurance company persuade you into purchasing a car insurance policy which is not ideal for you. Yes, the volume of information required in order to assess your own risk profile can be frustrating, but comparison sites similar to this might help make things less difficult. Simply key in a few specifics below, and then we’ll take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Compare rates now and save tons on your upcoming insurance charges.

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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