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How much is car insurance in San Antonio?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in San Antonio as it is in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for San Antonio is more affordable. You can expect to pay about $16 below the national average for auto insurance in San Antonio.
Keep in mind that while these are the average car insurance rates for San Antonio, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for San Antonio and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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San Antonio Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $52 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement in San Antonio.
San Antonio Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In San Antonio, although women do pay a bit less on their monthly auto insurance coverage, the price is about the same for either group.
San Antonio Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in San Antonio with a single accident on their record is about $78 a month. Likewise, drivers with one ticket will be looking at a rate of around $77 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
San Antonio Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$60|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in San Antonio, with drivers paying around $60 per month for insurance.
Car owners will see a monthly rate of about $66, while SUV owners by and large pay around $63 a month.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In San Antonio, the most expensive vehicles to insure are vehicles four-to-five years old.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In San Antonio, however, the most expensive vehicles to insure are vehicles eight-to-ten years old.
San Antonio Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. San Antonio is no exception, with the difference totaling to around $15 a month.
San Antonio Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in San Antonio, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in San Antonio, TX
Recent trends in car insurance for San Antonio drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The cost of auto insurance coverage in San Antonio increased from 2020-2021, before leveling out in 2022. Policy premiums finished down in 2022, at $64 per month
How does San Antonio compare to neighboring areas?
Why are car insurance rates in San Antonio different from other areas?
Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Availability of off-street parking
- Area crime rates
- Total amount of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in San Antonio?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies providing plans in San Antonio.
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San Antonio Auto Insurance FAQs
What factors affect car insurance quotes in San Antonio?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in San Antonio different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in San Antonio?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Antonio?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Antonio or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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