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San Antonio Car Insurance

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San Antonio car insurance

Drivers in San Antonio ZIP code 78206 pay the most ($1,422) for Texas car insurance in the city, according to a CarInsurance.com analysis.

Many factors go into calculating car insurance rates, but a driver's location is typically used to kick off the process. ZIP codes are judged to have different risk levels based on the number and severity of car insurance claims within the area. Insurance companies also use different formulas when deciding what you pay, which is why the price for car insurance varies significantly by insurer. For example, the highest rate from any carrier for ZIP 78206 in CarInsurance.com's analysis was $2,114 – that's $1,146 more than the lowest ($968).

The wide range in rates from different insurers shows why it's prudent to compare car insurance companies.  Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies.

San Antonio Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Texas
HIGHEST RATE:
  • 75242- DALLAS: $1,780
  • 75207- DALLAS: $1,778
  • 75260- DALLAS: $1,707
  • 75241- DALLAS: $1,688
LOWEST RATE:
  • 76901- GRAPE CREEK: $1,081
  • 76502- TEMPLE: $1,088
  • 76543- KILLEEN: $1,091
  • 77845- COLLEGE STATION: $1,100

 

San Antonio car insurance rates

Here are the 12 most expensive ZIP codes for car insurance in San Antonio. You'll see how much prices vary for the same policy, and how much you can cut your cost by if you shop around and compare rates.

ZIP codeAverage annual rateHighest rateLowest rate
78206$1,422$2,114$968
78241$1,417$2,404$963
78285$1,409$2,001$974
78284$1,406$2,018$978
78237$1,386$2,181$1,055
78226$1,371$2,104$1,064
78252$1,350$2,069$916
78207$1,350$2,043$1,028
78242$1,350$2,031$1,012
78211$1,346$2,139$943
78227$1,344$2,043$1,003
78214$1,340$2,031$980

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Here's how the San Antonio highest average rate ($1,422) for ZIP code 78206 compares to others:

  • $341 more than the least expensive average rate ($1,081) in Texas, Grape Creek ZIP code 76901
  • $122 more than the state average ($1,300)
  • $67 more than the national average rate ($1,355)

Cheapest car insurance in Houston

The lowest liability limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In Texas, (written as 30/60/25) that means your liability car insurance would pay up to:

  • $30,000 for injuries you cause to others
  • $60,000 per accident
  • $25,000 for damage you cause to others' cars and property

Best car insurance in San Antonio

The best car insurance coverage usually isn’t the cheapest. You may be sued if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:

  • $100,000 to pay for others’ medical bills
  • $300,000 to pay for injuries to others in an accident you cause
  • $100,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Texas, comprehensive costs $199 and collision costs $358, on average per year,  according to the Insurance Information Institute. These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

It does cost more to buy more protection, but additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $835 more, or $70 a month. For higher liability limits, the extra cost is just $23 a year.

Who has the cheapest car insurance in San Antonio?

Below you'll see who has the cheapest auto insurance quotes in San Antonio, based on an analysis of rates in the city for nearly all ZIP codes for three coverage levels.

CompanyState minimum
Geico$410
Colonial$422
Farmers$427
State Farm$523
Allstate$534
Progressive$623
Company50/100/50
Geico$408
Colonial$440
Farmers$443
Allstate$556
State Farm$584
Progressive$660
Company100/300/100
Colonial$967
Farmers$994
Geico$1,085
Progressive$1,321
State Farm$1,486
Allstate$1,991

Driving in San Antonio

Traffic in San Antonio: As with many bigger cities, traffic can be congested, especially during rush hour, but San Antonio did not make a list of the worst U.S. cities for traffic recently reported by USA Today.

Car crashes: Major accidents have resulted in an average of about 135 deaths a year in recent years (2012-2014).

Commuting: The average commute in San Antonio lasts 24.9 minutes.

Public transportation: The U.S. Census Bureau says that the majority of riders in San Antonio who commute to work by public transportation are white (about 17 percent), Hispanic (about 65 percent) and black (about 14 percent). The bureau notes that commuting is the main reason people turn to mass transit.

High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Texas, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. The lanes may be restricted during specified hours.

Smog rules: Texas requires residents with vehicles two to 24 years old to have emissions testing every year as part of the registration process. New residents must have the vehicle tested within 30 days of moving to the city to register it.

Bad drive: Interstate 35 on San Antonio's Northeast Side is considered the most congested corridor in the area, especially during rush hour.

The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.

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