Auto Insurance in San Antonio, Texas [Can’t-Miss Guide]
|San Antonio Statistics||Details|
|Density||3,710 per square mile|
|Average Annual Cost of Insurance||$5,579|
|Cheapest Car Insurance Company||State Farm and USAA|
|Road Conditions||Poor Share: 29%|
Mediocre Share: 31%
Fair Share: 11%
Good Share: 29%
With a rich colonial heritage, San Antonio is a charming city to live in and boasts of a 15-mile manmade riverwalk lined with every imaginable attraction that you can think of. Located a level below the streets, this walkway is meant for only pedestrians — which means zero interruption from any traffic.
Such a beautiful city attracts a lot of tourists and this can lead to traffic congestions quite frequently. Since San Antonio is densely populated (the second-highest in the state, after Houston), having the right auto insurance coverage matters for your safety.
High population density means a high probability of accidents.
Not only should you focus on getting the right amount of coverage from a reputable insurance company, but you should also know about the laws with respect to car insurance in your city.
We can hear you mutter — “Who has the time to research laws?”
We understand that buying car insurance in itself can be a hassle, which is why we are putting together this comprehensive guide to answer all your questions. Trust us; you will not need to look at any other guide for car insurance. You can even use our FREE online tool to get quotes from multiple providers in your zip code.
The Cost of Car Insurance in San Antonio
Whenever we plan to buy auto insurance or have to renew our policy, the first thing that comes to our mind is the cost of insurance. We know, it can on the higher side sometimes.
Unlike our other shopping expeditions, the auto-insurance-buying process isn’t as engaging for all of us. This is the reason that most of us end up getting costly policies and coverage that’s not enough for our needs.
But we want to provide you all the details about how much auto insurance costs in your city and what factors contribute to that cost.
Knowing about the average cost can prepare you for how much you should pay and also help you in negotiations. We will also throw in details about how to minimize this cost.
– Male vs. Female vs. Age
Your age and gender at the time of buying auto insurance have an impact on your rates. Younger drivers get the most expensive rates because of their lack of experience with driving.
Insurance companies try to assess how risky you are, and if they feel there’s a high probability of you getting into an accident, they will quote a higher rate.
Let’s look at how much the average rates are for different age groups.
|Average Annual Rates||$8,061||$3,275||$2,633||$2,503|
You can’t help noticing how significantly higher the premiums for 17-year-old drivers are in San Antonio.
Age massively impacts your car insurance rates because it helps insurers determine your maturity level. And, as per multiple research studies, teen drivers are much riskier than drivers over the age of 25.
In the year 2007, about 2,364 drivers between the age group of 16 and 19 died because of fatal crashes in America.
But these rates change once drivers are at least 25-years-old, which is when they can expect to save some money on auto insurance.
The median age of the population in San Antonio is 33.6, so rates should be stable for most people. Gender is another factor that you have no control over that impacts your rates — despite criticism against its use.
In fact, some states have banned the use of age as a factor to determine rates.
|Average Annual Rates||$4,118||$3,893|
Between males and females, the average rates for male drivers are higher than those for their female counterparts in San Antonio.
|Demographics||Average Annual Rates|
|Single 17-year-old female||$7,357.71|
|Single 17-year-old male||$8,766.04|
|Single 25-year-old female||$3,184.53|
|Single 25-year-old male||$3,366.52|
|Married 35-year-old female||$2,595.63|
|Married 35-year-old male||$2,670.77|
|Married 60-year-old female||$2,434.52|
|Married 60-year-old male||$2,572.33|
Quite clearly, male drivers are paying a higher rate in all age groups. Though after the age of 25, other factors take precedence in the calculation of rates, younger males almost always pay more than females.
– Cheapest ZIP Codes in San Antonio
Where you live not only matters for your general wellbeing but also determines how much you might have to pay for auto insurance.
If you live in a densely populated area or the theft rate is high in your zip code, you will be charged more because of the high probability of a claim.
|Zip Code||Average Annual Rates|
– What’s the best car insurance company in San Antonio?
The factors that determine your rates are assigned different weights by each auto insurance provider when calculating the final premium. Apart from different calculation models, insurers offer many types of discounts, which can again vary from one company to another.
That’s why you should seek quotes from multiple providers before buying a policy.
In this section, we will look at the rates offered by different insurers based on various factors.
– Cheapest Car Insurance Rates by Company
|Insurance Provider||Single 17-year-old female||Single 17-year-old male||Single 25-year-old female||Single 25-year-old male||Married 35-year-old female||Married 35-year-old male||Married 60-year-old female||Married 60-year-old male|
State Farm and USAA are the cheapest providers in San Antonio across all age groups. USAA offers coverage to only members of the military and their families.
– Best Car Insurance for Commute Rates
If you live close to your office or carpool to work every day, there’s some good news for you. Insurance companies charge a lower rate from those auto owners who clock lower mileage on average.
|Insurance Provider||10 miles commute/ 6000 annual mileage||25 miles commute/12000 annual mileage|
Allstate, Geico, and USAA are some companies that offer you cheaper rates if your annual mileage is around 6,000. You can find out other insurers in your city apart from the ones in the table above to get better rates for low mileage.
– Best Car Insurance for Coverage Level Rates
Every auto owner has an option to buy the minimum required coverage of 30/60/25 to legally drive in San Antonio, which is the cheapest bet for them.
However, it’s recommended to get additional coverage to pay for your injury expenses and protect your assets in the event of a severe accident.
In the table above, you can see how much rates would increase as you buy a higher level of coverage.
– Best Car Insurance for Credit History Rates
Your ability to pay off debt also plays a role in your auto insurance premium calculation. Although it’s considered unfair by many people, insurance companies still use your credit record to penalize you for anything less than an excellent record.
Those with a poor credit history have to pay a lot in auto insurance premiums.
In the state of Texas, drivers with a poor credit record are charged $2,088 over and above the base rate.
This number is higher than what drivers with a DUI (driving under the influence of alcohol) record are charged.
If you have a poor credit history, State Farm and Nationwide are reasonable choices for your auto insurance needs.
– Best Car Insurance for Driving Record Rates
|Insurance Provider||Clean record||With 1 accident||With 1 DUI||With 1 speeding violation|
Since auto insurance is all about how good you’re at driving (and you not getting involved in accidents), any incidences of violations or accidents will negatively impact your rates. Of all the violations, an accident or DUI record raises your premiums the most.
Some insurers penalize drivers with a DUI record heavily compared to any other violation. For instance, Allstate, Nationwide, State Farm, and USAA have the highest rates for auto owners with a DUI violation.
– Car Insurance Factors in San Antonio
When you move to a new city and your insurance rates shoot up, you always wonder why it happened.
Rates can vary significantly depending on where you live, and factors like growth, prosperity, wages, etc. heavily influence how much you are charged.
– Metro Report – Growth and Prosperity
San Antonio has been witnessing significant growth and prosperity in the last couple of years. By the year 2021, San Antonio is expected to become the sixth-largest city in America, surpassing Philadelphia.
This is why residents are increasingly spending more time in traffic. One of the reasons behind San Antonio’s dramatic growth is a rise in immigration, especially from Mexico.
Immigrants constitute about 13.5 percent of the total population in San Antonio, with a share of around 16 percent in the city’s workforce. They contribute 9 percent to the population growth.
|Area||Change in Jobs||Change in Gross Metropolitan Product||Change in Jobs at Young Firms|
|San Antonio-New Braunfels, TX||2%||0.7%||3.1%|
On the growth scale, San Antonio ranks 60th among the top 100 metropolitan areas. When it comes to jobs, the city has witnessed an incredible growth of 2 percent from 2016 to 2017 and ranks at 28th among the fastest-growing metros.
|Area||Change in Productivity||Change in Standard of Living||Change in Average Annual Wage|
|San Antonio-New Braunfels, TX||-1.3%||-1.2%||0.8%|
Though San Antonio has reported a growing trend in jobs, it hasn’t kept up in terms of prosperity, and it’s ranked 91st among the top 100 metro areas. Productivity and standard of living continue to be the lowest in the city compared to the top metro areas.
Since there has been growth in jobs, population, and wages, motorists in San Antonio can expect a rise in auto insurance premiums.
– Median Household Income
The median household income in San Antonio is $50,044 while the median wage in the country is $60,336 as per data from the U.S. Census Bureau. Though San Antonio is way below the national median, it has witnessed a growth of 1.58 percent from 2016 to 2017.
How does the median household income matter to auto owners?
The average annual cost of auto insurance in San Antonio is $4,118 which means auto owners are paying almost 8.23 percent of their income for auto premiums. When you know what percentage of your income you would spend on insurance premiums, you will be able to budget your expenses better.
You can use our in-house percentage calculator to budget for your auto premiums.
– Homeownership in San Antonio
Believe it or not, homeownership can help you get a better auto insurance rate. If you’re puzzled by how owning a home is related to auto insurance, let’s clear it up for you.
Auto insurers consider homeowners as less risky and more mature because buying a home is associated with stability in life. They also see homeowners as cautious people less likely to indulge in reckless driving.
Since the risk is low, the premiums tend to be lower.
As per the U.S. Census Bureau, about 54.8 percent of the people are homeowners — a rise from the homeownership share of 53.6 percent in 2016.
This means about half the population in San Antonio gets discounted rates because they own a home. If you bundle your auto and homeowners insurance, you can get further discounts from your insurer.
The median property value in the city was $148,200 in the year 2017, which increased from the previous year’s price of $133,900.
– Education in San Antonio
Some of the leading universities in the city are The University of Texas at San Antonio, San Antonio College, and Northwest Vista College.
In the year 2016, universities awarded 29,112 degrees. The most common concentrations for a Bachelors’s degree are General Psychology, General Biological Sciences, and General Business Administration and Management.
|Tuition||Private (4-year-college)||Public - In-state Students (4-year-college)||Public - Out-of-state Students (4-year-college)|
– Wages by Race and Ethnicity in Common Jobs
The highest-paid ethnicity in San Antonio is Asians, followed by Whites. The average annual salary earned by Asians is $66,972, which is 1.2 times that of Whites.
The most common jobs among the residents of San Antonio are Office and Administrative Support Occupations, Sales and Related Occupations, and Management Occupations.
– Wages by Gender in Common Jobs
The wage disparity among men and women is quite stark in Texas, with male workers making an annual average salary of $65,834 while females earn $47,183 on average.
Even for jobs that require the same skillset and experience, male workers make much more than females.
– Poverty by Age and Gender
A staggering percentage of San Antonio’s population lives in poverty — the 18.6 percent of people who live below the Census Bureau’s income threshold is much higher than the national average of 13.4 percent.
The biggest demographic with the lowest income are females in the age group of 25 to 34, followed by females in the age group of 18 to 24 and males in the age group of 18 to 24.
– Poverty by Race and Ethnicity
Whites are the most common ethnicity living in poverty, although this ethnic group is also among the highest-earning ones in San Antonio.
After Whites, Hispanics and Blacks are the poorest in San Antonio.
– Employment by Occupations
The growth in San Antonio’s population over the last couple of years is reflected in the employment growth in the city. In 2017, the growth in employment was 2.31 percent, and there were 706,000 employees compared to 690,000 employees in the previous year.
The most common jobs in San Antonio are:
- Office and Administrative Support Occupations
- Sales and Related Occupations
- Management Occupations
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Driving in San Antonio
Nobody likes to drive in peak hour city traffic — given a choice, most people would drive on expressways where they can cover a 30-mile distance in 10 minutes.
Depending on where you live in your city, you can either have a smooth commute or might have to crawl with the traffic.
Let’s look at the driving experience of regular commuters in San Antonio.
– Roads in San Antonio
San Antonio enjoys the most progressive system of freeways since the beginning of the expressway system in 1949. To this day, Bexar County in San Antonio has the widest network of freeways in the country.
– Major Highways
The San Antonio area has around 1,436 lane miles and 258 centerline miles of freeways. Let’s look at the major highways running through the city.
- U.S. 90
– Popular Road Trips/Sites
San Antonio is a bustling city that attracts a lot of people from around the country. The riverwalk in the middle of the city remains one of the top tourist attractions; however, there are many fun things to see and do in the city.
Here’s a video on what to see and do in San Antonio.
There are plenty of breathtaking drives close to San Antonio that can give you a break from the hustle and bustle of city life.
- Bandera Pass: This is a historic route frequently used by the Indians and Spaniards that separates the Medina and Guadalupe river valleys. To see the Bandera Pass, you can take the Texas Highway 173, which gives you uninterrupted scenic views of mountain ranges.
- The Devil’s Backbone: Famous for being the most haunted stretch of road in Texas, this drive would offer you expansive vistas of what looks like the wild west from another time. If you choose to take this route, you will be rewarded with many landmarks of the Texas Hill Country.
– Road Conditions
The National Transportation Research Group conducted research to assess the pavement condition and operating costs for urban areas. Let’s look at their analysis for San Antonio.
- Poor Share: 29 percent
- Mediocre Share: 31 percent
- Fair Share: 11 percent
- Good Share: 29 percent
- Vehicle Operating Cost: $710
The Texas Department of Transporation has recently proposed an expansion project for some portions of Highway 151, as commuters regularly face congestions on this highway.
This $80 million project would include the addition of two more lanes to the four-lane highway, among other improvements, and might take three years for completion.
– Does your city use speeding or red light cameras?
You may or may not like cameras that capture driving behavior, but some streets on Leon Valley and Balcones Heights use cameras on red lights.
Despite support for red light cameras, the Governor of Texas recently signed a bill to remove these cameras from the streets. However, a few cities might keep those cameras operational until their contracts with these systems are in place.
Between 2018 and 2019, around 61,737 citations were issued in the city of Leon Valley. These cameras have helped reduce accidents by a whopping 43 percent.
– Vehicles in San Antonio
Your auto insurance rates are heavily impacted by what kind of car you drive — the more luxurious your model, the more will be the auto premiums.
But rates also depend on more macro-level, city-wide factors as well — such as the theft rate or how many households own a car in your city.
– Most Popular Vehicles Owned
In San Antonio, Chevrolet Suburban 1500 is one of the most unusually popular cars amongst motorists. This data is based on the cars serviced by Your Mechanic in the city.
In the same study’s muscle car index, San Antonio was found to be among the top cities where people are likely to own a powerful V8 engine car over an efficient engine. Around 18.6 percent of cars serviced by Your Mechanic has a V8 engine.
– How Many Cars Per Household
The large majority of households in San Antonio own two cars, followed by one car. This trend is in line with the rest of the country, as, on average, most households own two cars.
– Households Without a Car
|Year||Households Without Vehicles||Vehicles Per Household|
From 2015 to 2016, car ownership has increased by a slight percentage.
– Speed Traps in San Antonio
San Antonio is one of the top cities in Texas to enforce speed traps on a range of streets.
Speed traps are a mechanism meant to ensure motorists follow the law and speed limits while driving.
Speed traps in San Antonio have an 88 percent acknowledgment rate from motorists, which means that they have encountered these while driving.
– Vehicle Theft in San Antonio
The instances of motor vehicle theft in San Antonio are quite high as per data from the FBI. In the year 2017, around 6,864 vehicles were stolen in the city which is much lower than the theft rate of Houston, where 11,596 vehicles were stolen.
Based on the crime index, San Antonio doesn’t come out as a safe city to live in. On the scale of zero to 100, San Antonio scored a four in terms of crime — which means it’s safer than only 4 percent of the cities in America.
The safest neighborhoods in San Antonio according to Neighborhood scout are:
- Fm Road 2696 / Midnight Dr
- Route 211 / Route 16
- American Legion Memorial Hwy / Oakland Bend
- Smithson Valley Rd / Laurie Michelle
- E Borgfeld Dr / Dal Cin Dr
- Mesa Ranch / Mesa Ridge
- Route 90 Service Road / Ray Ellison Dr
- E Evans Rd / Angostura Blvd
- W Fm 471 / Gass Rd
- Fm 1560 N / W Fm 471
Here’s a look at the violent and property crime data of San Antonio.
|Particulars||Violent Crime||Property Crime|
|Crime Rate/1,000 Residents||7.14||49.01|
Your chances of becoming a victim of violent crime in San Antonio are one in 140 compared to one in 228 in Texas. You can also look at the specific crime details to know what types of crimes are happening around San Antonio.
|Type of Crime||Number|
If you live in a bustling and growing city, traffic congestion is a part of your life. Let’s look at the traffic data for your city.
– Traffic Congestion in San Antonio
A recent study by TomTom revealed the traffic condition in San Antonio is getting worse. The global traffic index ranked San Antonio among the top 50 most congested cities in America.
As it’s among the fastest-growing cities, the traffic in San Antonio is poised to get worse, and drivers would spend almost an extra 40 minutes a day in traffic by the year 2040.
Let’s look at more information in this table from Inrix, another traffic analytics firm offering insights into your city’s traffic.
|Urban Area||Hours Lost in Congestion||Year over Year Change||Cost of Congestion (Per Driver)||Inner City Travel Time|
|San Antonio||60||5%||$832||4 minutes|
Heavy traffic during peak hours also impacts commute time for everyone. Employees in San Antonio have a commute time of 23.6 minutes, which is shorter than the national average of 25.5 minutes.
Almost 2 percent of the population in San Antonio have commutes of more than 90 minutes.
One aspect contributing to the traffic congestion in the city is the fact that most prefer to drive alone to work. Almost 79 percent of people drive by themselves to work, and only 10.5 percent carpool.
– Busiest Highways
As per the report by Texas A&M Transportation Institute, San Antonio is one of those cities where growth-induced traffic is getting worse.
The most congested highways in the San Antonio-New Braunfels area are:
- McAllister Freeway/U.S. 281
- PanAm Expressway/IH 35/IH10
- Charles West Anderson Loop/SL 1604 N
- N PanAm Expressway/IH 35
- Charles West Anderson Loop/SL 1604 NW
- Connally Loop N/IH 410
- N PanAm Expressway/IH 35
- Bandera Road/SH 16
- Connally Loop NW/IH 410
- Connally Loop N/IH 410
- Culebra Road/FM 471
– How safe are San Antonio’s streets and roads?
Crashes and accidents are a part of every city — wherever there are people driving, there are certain unfortunate events, as well. In this section, we will present some facts and figures from the National Highway Traffic Safety Administration about the crash rate in San Antonio.
Fatalities (All Crashes) by County in San Antonio
In the table below, you can look at the number of fatal crashes by county. Bexar county, by far, has the maximum incidences of fatal crashes.
Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County
Out of all the counties in San Antonio, Bexar County has the highest number of crashes involving alcohol-impaired drivers. The crash numbers are significantly higher than in other counties.
Bexar County is famous for motorists who are constantly found driving impaired, and it has the third-highest number of alcohol-induced crashes in Texas.
During the Fiesta season in summer, the city witnesses a 20 percent increase in crashes due to alcohol-impaired driving.
Single-Vehicle Crash Fatalities by County in San Antonio
Again, the fatality rate in Bexar County is quite high for single-vehicle crashes. If you live in Bexar County, you might have to pay high insurance rates because of the high probability of a crash.
Fatalities in Crashes Involving Speeding by County in San Antonio
When it comes to speeding, Bexar county witnesses the maximum number of fatalities in San Antonio.
Fatalities in Crashes Involving a Roadway Departure by County in San Antonio
For specific county details on fatalities by roadway departure, you can look at the table below.
Fatalities in Crashes Involving an Intersection (or Intersection Related) by County in San Antonio
We all know that intersections are a hotbed for crashes and as per the data below, the intersections in Bexar country are quite dangerous.
Passenger Car Occupant Fatalities by County in San Antonio
While in most head-on collisions, the driver bears the maximum impact, however, when a vehicle is hit from any other side, it can be fatal to other passengers in a car.
Pedestrian Fatalities by County in San Antonio
At times, pedestrians can also get hit by drivers who miscalculate the time their car takes to reach a pedestrian path which can lead to fatal crashes.
Pedalcyclist Fatalities by County in San Antonio
Just like pedestrians, pedal cyclists also become victims of road crashes which leads to fatalities.
Interstates with Most Fatal Crashes in Texas
We have also included data about the fatalities as per road type in the state of Texas.
|Road Type||Fatal Crashes|
|Freeway and Expressway||260|
|Total Fatal Crashes||3,343|
– Allstate America’s Best Drivers Report
Allstate Insurance conducts research every year to find out how safe cities in America are for driving.
As per Allstate’s America’s Best Drivers Report 2019, San Antonio is ranked as 138th safest city for driving, which is up by three positions from the previous year.
The years between claims are 8.2, which is lower than the national average of 10.57 years. The good thing is that the relative probability of a collision is 29 percent compared to the national average.
If you like to use ridesharing, you will be glad to know most of the ridesharing providers operate in San Antonio. Here are some taxi services you get in the city:
- Lyft Plus
- Lyft Premier
- Uber X
- Uber XL
- Uber Select
– E-star Repair Shops
Often times, when we get involved in an accident, finding a repair shop that’s close by isn’t easy. If you’re ever in a situation like this, you can look for an E-star repair shop to get your car fixed.
E-star, a program by Esurance, offers easy access to repair shops in your area.
Because San Antonio is a southern city, it enjoys warm weather all through the year and reports zero inches of snow.
Here are some basic weather trends in San Antonio from Climate Data:
- Annual high temperature: 79.8 F
- Annual low temperature: 57.6 F
- Average temperature: 68.7 F
- Average annual precipitation: 32.91 inches
When it comes to natural disasters, San Antonio has witnessed thunderstorm winds, hails, floods, and drought. The probability of an earthquake in San Antonio is much lower than the national average.
On the tornado index, San Antonio has a higher probability of an occurrence than the national average.
– Public Transit
The public transit system of San Antonio, known as the VIA Metropolitan Transit, operates buses around the city.
To take a ride, you have to pay $1.30 for a regular bus and $2.60 for express bus service. VIA also offers passes and affordable options for travelers and regular commuters.
- Day Pass: $2.75
- Seven-Day Pass: $12
- 31-Day Pass: $38
- Semester Pass: $38
– Alternate Transportation
Sometimes you don’t want to use public transit and want to explore your city at your own pace. For these times, renting a bike or scooter is the perfect option.
If you need a bike rental, you can register for San Antonio Bike Share and rent a bike whenever you want. The bike share program of the city is designed for short trips.
How to rent a bike:
- You can choose a membership account as per your requirement. The cost of one trip is $3.25, and you have the option to buy a monthly unlimited membership for $19.49.
- Using your account, you can rent a bike and go for as many trips as you want; however, each trip should be for 60 minutes or less.
- After finishing every ride, you must dock your bike at one of their stations and make sure it beeps.
If you aren’t in the mood to bike, you also have an option to get electric scooters in San Antonio.
– Parking in Metro Areas
Finding a parking spot in downtown always makes everyone jittery, especially during peak office hours. But you can use the city’s parking map to make your life easier.
The city has a total of 14 lots and garages to help people park with ease. Look for the parking sign to locate their lots.
When you park on the street, you can pay at the solar-powered pay stations, which accept both coins and debit/credit cards. You also have the option to park at one of the private lots or garages that can be booked by downloading the Parkopedia app.
If you own an electric vehicle, you can look for a charging station on Charge Hub.
– Air Quality in San Antonio
On the Air Quality Index, San Antonio scores a 33, which is considered good for health. However, with a rise in population, the air quality might get impacted, as more and more people buy cars to commute, which contributes to the overall pollution level.
|Air Quality Index||2017||2018||2019|
|Days with AQI||362||365||273|
|Days Unhealthy for Sensitive Groups||4||10||5|
|Days Very Unhealthy||0||0||0|
As per the data from the United State Environmental Protection Agency, the days with good air quality has been on a downfall from 2017 to 2019.
Those who have served in the military, or are currently serving, get special discounts from auto insurance companies. In fact, some insurers offer extra discounts for personnel who are deployed in emergency missions.
– Veterans by Service Period
San Antonio has a large population of military personnel who have served in the Gulf War post the year 2001, followed by veterans from the Vietnam War.
– Military Bases within an Hour
In the vicinity of San Antonio, there are many military bases, and the closest one is the Joint Base San Antonio. This military base is under the United States Air Force 502d Air Base Wing, Air Education and Training Command (AETC).
– Military Discounts by Providers
As an act of gratitude for your service, most insurance providers offer discounts on auto insurance. Specifically, Geico offers a 15 percent discount, Liberty Mutual offers a 4 percent discount, and MetLife offers a 15 percent discount.
Discounts also vary based on your experience, so don’t forget to check with your insurance for discount options.
– USAA Available in State
Apart from the option to buy from any insurance provider, military personnel have the privilege to get auto insurance from USAA — a provider offering coverage to only those who serve or have served.
Thankfully, USAA is available in Texas — in fact, it is headquartered in San Antonio. Let’s look at the rates offered by USAA compared to other providers in Texas.
|Insurance Providers||Average Annual Rate ($4,043)||Percentage Change (+/-)|
The average annual premium of Texas is $4,043, and USAA is offering the cheapest rates in the state. It’s almost 38 percent lower than the average rate.
Unique City Laws
All cities have their own set of unique laws and San Antonio is no different. Here are some things you should be familiar with when traveling around the city.
– Hands-Free Laws
Before the state of Texas banned the use of handheld devices while driving in 2017, San Antonio already had a law that prohibited drivers from using cell phones for texting or calling while they are behind the wheel.
The law in San Antonio also prohibits people from using a smartphone or other electronic devices while they’re waiting at a red light.
– Food Trucks
Starting your own food truck business is exciting, especially in a young, growing city like San Antonio. You just have to make sure all your paperwork is in place before you buy your dream truck: things like registering your business and getting a food inspection certificate.
Let’s look at what all should you do before getting out there with your truck.
- San Antonio Food Truck Association: Yes, there’s a food truck association in San Antonio. You can join this association to get mentorship help or meet up with others to get an idea about how to work smoothly in the food truck business.
- Texas Sales and Use Tax Permit: You will need to get this permit to operate a food truck business in San Antonio.
- Insurance Coverage: Since you’re thinking of buying a food truck, which you will use to get to different locations, you must get the appropriate amount of liability and property damage coverage.
- Registration with DMV: Before getting a permit for your truck, you will need to register your vehicle with the Texas DMV.
- Food Truck Inspection: You have to get your food truck inspected to get a permit for running your operation. To set up an inspection appointment, you can call 210-207-8853.
– Tiny Homes
Living in a tiny home is a dream for some people. There’s something addictive about the low cost of these houses and no burden of a mortgage.
But, if you’re planning to get a tiny home, make sure you meet the legal requirements stated in your city’s legislature.
To qualify for a tiny home, the house should be 400 square feet or less in size. You have the option to choose either a stationary or movable tiny home, but the laws are different for both types.
Having a movable property might mean your house comes under the RV code, while having the tiny home on a foundation means you will have to follow the residential home building code.
Whichever option you choose, make sure that you’re aware of the local regulations regarding where can you put up your tiny home.
– Parking Laws
As per the Texas Motor Vehicle Laws, it’s illegal to park your vehicle at certain spots. Let’s look at where you can’t leave your vehicle.
- At an intersection, crosswalk, sidewalk, or railroad track
- Blocking a driveway
- Within 15 feet of a fire hydrant, 20 feet of a crosswalk, or 30 feet of a stop sign/yield sign/traffic signal
The City of San Antonio also prohibits parking in areas where it jeopardizes traffic safety or mobility.
San Antonio Car Insurance FAQs
– How much is car insurance in San Antonio?
The average annual premium in San Antonio is $4,043, and what you pay for auto insurance may vary depending on a lot of personal factors.
– What’s the most affordable car insurance option in San Antonio?
State Farm and USAA are the cheapest car insurance providers in San Antonio, but USAA only offers coverage to the members of the US military.
– Should you get liability or full coverage in San Antonio?
Depending on your needs, you can either choose just liability or you can go for full coverage. If you have an old car that isn’t of much value, it wouldn’t make sense to pay a lot for collision or comprehensive insurance.
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