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How much is car insurance in San Antonio?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in San Antonio are about the same as the rest of Texas.
If you're thinking of moving to San Antonio from out of state, you may still be in luck. The average monthly payment in San Antonio is about $17 less than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in San Antonio, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for San Antonio and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay almost twice the price as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In San Antonio, however, male and female drivers both pay about the same rate for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in San Antonio with a single accident will pay around $75 a month. Likewise, drivers with one ticket will be looking at a rate of around $92 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$59|
The most affordable vehicles to insure in San Antonio are typically trucks and vans.
Car owners can expect to pay an average of around $63 a month for their policy, while SUVs are usually around $61 to insure each month.
Meanwhile, truck and van drivers typically see a monthly premium of about $57.
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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, married policyholders will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Single drivers typically pay around $12 more to insure their car in San Antonio than their married counterparts.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $8 a month more than homeowners in San Antonio. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in San Antonio, TX
Recent trends in car insurance for San Antonio drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Car insurance rates in San Antonio have been steadily increasing, reaching a high of $77 in 2021.
How does San Antonio compare to neighboring areas?
Why are car insurance rates in San Antonio different from other areas?
There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- General road safety (how many accidents each locality has)
- Total number of drivers in the area
- Community regulations
- Off-street parking access
- Rate of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in San Antonio?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Just enter your ZIP code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in San Antonio.
San Antonio Insurance FAQs
What factors affect car insurance quotes in San Antonio?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Antonio different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in San Antonio?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to San Antonio?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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.