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San Antonio car insurance


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

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  • 78501- MCALLEN: $64
  • 78503- MCALLEN: $63
  • 77067- HOUSTON: $63
  • 78589- LOPEZVILLE: $63
  • 79734- FORT DAVIS: $33
  • 79843- MARFA: $33
  • 79852- TERLINGUA: $33
  • 79846- REDFORD: $33


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

*Methodology for rates by ZIP code: 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
State Farm$523
State Farm$584
State Farm$1,486

How much does insurance go up after a speeding ticket in San Antonio?’s rate analysis shows that drivers in San Antonio can expect to pay, on average, up to about $727 more a year for car insurance after minor violations such as speeding. More serious infractions, such as reckless driving can hike rates as much as $1,303. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

ViolationAverage rateRate after violationDollar increasePercentage increase
Reckless driving$1,636$2,938$1,30380%
Operating a vehicle in a race (highway racing)$1,636$2,696$1,06165%
DUI/DWI first offense$1,636$2,575$93957%
Speeding 30+ over limit$1,636$2,363$72744%
Speeding ticket 16-29 MPH over limit$1,636$2,363$72744%
Careless driving$1,636$2,149$51431%
2 speeding tickets 11 mph or over$1,636$2,085$44927%
Driving without a license or permit$1,636$2,065$42926%
Lapse of coverage for 60 days$1,636$1,948$31219%
Driving without insurance$1,636$1,898$26216%
Failure to stop$1,636$1,878$24315%
Failure to yield$1,636$1,878$24315%
Following too closely$1,636$1,878$24315%
Improper turn$1,636$1,878$24315%
Improper/illegal pass$1,636$1,878$24315%
Speeding ticket 1-5 MPH over limit$1,636$1,849$21413%
Speeding ticket 6-10 MPH over limit$1,636$1,849$21413%
Speeding ticket 11-15 MPH over limit$1,636$1,849$21413%
Lapse of coverage for 30 days$1,636$1,782$1479%
Lapse of coverage for 7 days$1,636$1,768$1338%
Lapse of coverage for 15 days$1,636$1,768$1338%
Seatbelt infraction$1,636$1,636$-0%

*Methodology: commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

How much will an accident raise my insurance in San Antonio?

When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in San Antonio can expect to pay for common car insurance claims.

ClaimAverage rateRate after claimDollar increasePercentage increase
2 At-fault property damage accident over $2k$1,636$3,330$1,694104%
Hit and run - injury$1,636$2,938$1,30380%
Hit and run property damage$1,636$2,938$1,30380%
1 At-fault property damage accident over $2K$1,636$2,292$65640%
At-fault bodily injury accident$1,636$2,292$65640%
1 At-fault property damage accident under $2K$1,636$2,100$46528%
2 comprehensive claims for over $2k$1,636$1,818$18211%
1 comprehensive claim for over $2k$1,636$1,686$513%
1 comprehensive claim for under $2k$1,636$1,686$513%

Adding a teen driver to your insurance

Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In San Antonio, adding a 16-year-old daughter to your policy will hike your rates by $2,232 annually, or 136 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,772, or 169 percent, according to rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

Bad credit doubles rates for drivers in San Antonio

Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Texas ranks fourth among the worst states for drivers with bad credit. San Antonio drivers with bad credit can expect rates to go up by $1,559, or 95 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit.'s rate analysis showed that drivers with bad credit can save, on average, about $2,000 a year by comparing car insurance companies. That's why it's always prudent to compare car insurance quotes at least once a year. 

SR-22 insurance

If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. data show that for drivers in San Antonio, your rate will go up by an average of $1,024 or 63 percent.

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.