San Antonio Car Insurance
San Antonio car insurance
San Antonio ZIP code 78264’s average annual rate of $1,574 is the most expensive for Texas car insurance in the San Antonio metropolitan area, and $289 more than the cheapest, 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 78264 in CarInsurance.com’s analysis was $2,372 143 percent more than the lowest ($977).
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.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 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. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
MOST LEAST EXPENSIVE ZIP CODES in Texas
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2014 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 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 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 metro’s highest average rate ($1,574) for ZIP code 78264 compares to others:
- $436 more than the least expensive average rate ($1,138) in Texas, San Angelo ZIP code 76901
- $163 more than the state average ($1,411)
- $343 more than the national average rate ($1,231)
Here s how the average rates compare across counties the Census considers part of the San Antonio metro area:
Here s what the same driver would pay in the costliest ZIP codes in other large Texas cities:
- Houston ZIP code 77091: $1,816
- Dallas ZIP 75207 $1,806
- Austin ZIP code 78712: $1,487
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
The state average rate for a year of minimum coverage is $784, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just $34 more.
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.
Texas car insurance rates for coverage recommendations
*Average rate of six insurance carriers for a 2015 Honda Accord LX, from the following carriers, in no particular order: Progressive, Allstate, State Farm, Nationwide, GEICO and Farmers. Data was provided for CarInsurance.com by Quadrant Information Services.
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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