According to Bankrate’s 2021 study of annual premiums, the average cost of car insurance San Antonio is $594 per year for minimum coverage and $1,837 for full coverage. It is legal in Texas to have car insurance. It is important that you find a policy that suits your needs and fits your budget. How do you find the best auto insurance in San Antonio, Texas.
Bexar County had over 50.000 crashes in 2019. There were 177 deaths and many more injuries. San Antonio residents should look beyond the cost of car insurance when shopping for it. To avoid financial ruin, it is important to ensure that you have sufficient coverage.
The best car insurance companies San Antonio
The Bankrate insurance editorial team started our search for the best auto coverage in San Antonio by collecting average quoted premium information from the largest car insurers by market share. We reviewed the data, and reviewed policy features, discounts, coverages, and J.D. We can improve customer satisfaction.
These companies can help you save time and money if you’re looking for cheap auto insurance in San Antonio.
Geico
Geico has the lowest average minimum coverage premium of all the carriers that we evaluated. Geico’s full coverage premium, which is the lowest on our list, is also unaffected by eligibility restrictions. USAA is available only to military personnel and their immediate family. Geico offers extensive discounts that can help you save even more, such as savings for federal employees and good students, military personnel, and others. Geico may be a good option if you are concerned about your budget. Although the policies are basic, there aren’t many options to customize your policy to meet your needs.
USAA
Because it is home to four military bases, San Antonio is also known as Military City. USAA offers affordable car insurance to active and retired military personnel and their qualifying families. The company is not eligible for J.D. Power is not eligible for an official ranking with J.D. You might be eligible for coverage if you qualify, such as savings on garaging your vehicle at a military base, or storage of your car while you’re deployed.
Allstate
Allstate may be the right choice for you if you are looking for car insurance that can be tailored to your specific needs. To help you complete your policy, Allstate offers a variety of optional coverages such as ridesharing coverage, sound system equipment coverage, and roadside assistance coverage. You might also save money by bundling policies or insuring a brand new car, paying on time, being smart, and having safety features installed on your car.
State Farm
State Farm has over 19,000 agents in the US. This means that if you prefer to visit a physical location rather than a digital one, State Farm might be right for you. State Farm may be a good choice for teens. The Steer Clear program, which is offered by the company, is specifically designed to teach young drivers safe driving practices. It also lowers your premium. A good student discount or bundling of your policies could help you save.
Cheapest auto insurance in San Antonio
What is the cost of car insurance in San Antonio compared to other Lone Star States?
The average annual cost of car insurance is $524 for basic coverage and $1823 for complete coverage. San Antonio residents pay $594 annually for minimum coverage and $1837 for full coverage. This is roughly the same as the state average. The minimum coverage required in San Antonio, Texas and Texas is $594 per year. The national average premium for full coverage is $1,674 per year. However, both San Antonio drivers and Texas drivers pay more than this average.
This is why it might be crucial for drivers to search for the cheapest car insuring. Bankrate compared the market share of the largest Texas carriers to determine the lowest average rates.
Geico is a good choice if you’re looking for minimum coverage. Mercury is the most affordable option if you have any tickets or accidents on your driving record. USAA may be an option for you and your immediate family members who are active-duty personnel or retired. Although Allstate and Nationwide aren’t the most affordable, they have impressive options that can help you get a solid policy at a fair price.
While price is an important consideration when looking for car insurance, it’s not the only thing you should consider. You can protect your finances by deciding what coverage and levels you need. When evaluating insurance companies in San Antonio, it is important to consider discounts, policy features and customer service scores.
San Antonio insurance requirements
Texas law requires that all drivers have a minimum amount in car insurance. . San Antonio is not an exception. The Texas minimum requirements for insurance apply. You must have at least the following:
- $30,000 bodily injury liability insurance per person
- $60,000 bodily injury liability coverage per incident
- $25,000 per accident property damage liability coverage
Texas auto policies automatically include personal injuries protection (PIP coverage), and you must write to waive this coverage. Texas auto insurance companies must offer coverage to uninsured or underinsured motorists. However, you can also waive this requirement in writing.
Minimum coverage can result in lower premiums for drivers, but it isn’t always a financial sound strategy to obtain cheap Texas car insurance. You are responsible for any damages caused by an accident. You may have to pay more if the damages exceed your insurance limits. Insurance agents will recommend you purchase higher liability limits to better protect your finances.
Comprehensive and collision coverages are required if you need or want to have coverage for car damage. These coverages are often referred to as “full cover”. If your lender financed your car, they will likely require that you have complete coverage.
San Antonio: Car insurance discounts
You can save a lot of money by taking advantage of the discounts offered by most car insurance companies. Many car insurance companies offer at least some discounts.
Take advantage of these discounts to get San Antonio car insurance at a discount:
- Multi-policy discount: You can get a discount on your renters, condo, and home insurance by purchasing them from the same company that you purchase your auto insurance.
- Multi-car discount: An average San Antonio household has 2 vehicles. You could save even more by insuring both vehicles with the same carrier.
- Discount for safe driving: You might be eligible for a discount if it’s been a while since you were involved in an accident or a ticket.
- Loyalty discount: While shopping for a policy can save money and switch to a different company, it might be worth staying with the same company over time to lower your premiums.
Many car insurance companies offer discounts online. However, you can always talk to an agent to find ways to save.
Questions frequently asked
Which is the best auto insurance company?
You might have a different opinion about the best auto insurance company than someone else. Each driver is different and has different insurance needs. Perhaps you are looking for a digital app that is highly rated by a company. Perhaps you have tickets or accidents on your record. Or maybe you are a parent who is getting licensed. Once you have an idea of what you want from a company you can request quotes from multiple providers to find the best fit for you.
What is the cost of car insurance in San Antonio?
Average annual San Antonio car insurance costs $594 for minimum coverage, and $1837 for complete coverage. The factors that affect your premium include the type of car you drive, how much coverage you buy, who you choose, and your credit score.
What amount of car insurance do you need in San Antonio
You will need minimum $30,000 per person, $60,000 per accident in bodily injuries liability insurance, and $25,000 property damage liability coverage to legally drive in San Antonio. You may need to increase your coverage and purchase additional coverage. Minimum liability insurance doesn’t cover damages to your vehicle, injuries you sustain, or those of your passengers.
