Average car insurance cost in San Antonio, TX

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According to data from Insure.com, the average annual cost of car insurance in San Antonio, Texas is $2,181. The auto insurance rates in San Antonio is $138 more than the state average and $286 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in San Antonio, the average car insurance rates by age and gender, and how much car insurance cost in San Antonio depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in San Antonio. Keep reading to learn more.

Cheap car insurance companies in San Antonio

Texas Farm Bureau offers the most affordable car insurance in San Antonio for coverage limits of 100/300/100 at $1,384 per year.

The Nationwide comes close second offering car insurance at $1,522 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in San Antonio that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in San Antonio, Texas:

Read about the best car insurance companies.

Average car insurance cost in San Antonio by coverage limits

In San Antonio, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $649 per year (limits are 25/50/25)
• Liability only coverage: $926 per year (limits are 50/100/50)
• Full coverage: $2,181 per year (limits are 100/300/100)
• Non-owners coverage: $481 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in San Antonio

Based on an analysis by Insure.com, female drivers in San Antonio, Texas pay an average annual car insurance premium of $2,140. In comparison, male drivers pay $2,221 annually, which is $81 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in San Antonio

In San Antonio, car insurance rates are the highest for teens, at $4,711 per year or $393 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,258 per year for their car insurance which is $1,453 less than what the teens pay for their insurance policy.

The car insurance rates in San Antonio for adult and senior drivers are $2,169 and $2,015 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in San Antonio

Examining the trends in car insurance rates in San Antonio, Texas it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 13%, or $255.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in San Antonio, are higher than the average insurance cost in Texas. Shopping around and taking advantage of available discounts, drivers in San Antonio can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.