Nobody likes overpaying, especially for something as expensive as auto insurance. A recent study found that, on average, Americans are overpaying $865 a year for car insurance. The same study demonstrated that if drivers just shopped around once a year and switched to the lowest priced insurer, they would save over $3,400 over four years.
The problem is, most drivers underestimate the amount they would save if they switched. San Antonio drivers that make a habit of comparing rates regularly stand a very good chance of reducing their policy premiums substantially. And not just once, but year after year.
How much is car insurance in San Antonio?
The chart below shows estimates for auto insurance rates in the San Antonio area. The rates shown are based on a single female driver age 30 with no traffic violations or at-fault accidents. The rates include full coverage with $500 deductibles and Texas minimum liability limits of $30,000 of bodily injury coverage per person, $60,000 per accident, and $25,000 of property damage liability. Uninsured/underinsured motorist coverage is included. Policy discounts include multi-vehicle, homeowner, multi-vehicle, claim-free status, and safe-driver discount.
Rates can vary considerably based on where you live in San Antonio, so to get an accurate rate estimate for your vehicle and location, click here. To view insurance rates for other makes and models of vehicles, visit this page.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS 2WD||$1,456||$728||$121|
|Chevrolet Silverado LS Regular Cab 2WD||$1,426||$713||$119|
|Dodge Ram Crew Cab TRX 4WD||$1,704||$852||$142|
|Ford Escape XLT 4WD||$1,264||$632||$105|
|Ford F-150 FX4 Super Cab 4WD||$1,490||$745||$124|
|Ford Focus S 4-Dr Sedan||$1,422||$711||$119|
|Honda Accord EX 2-Dr Coupe||$1,636||$818||$136|
|Honda CR-V LX 4WD||$1,230||$615||$103|
|Honda Civic SI 2-Dr Coupe||$1,928||$964||$161|
|Hyundai Sonata SE 4-Dr Sedan||$1,636||$818||$136|
|Kia Optima EX||$1,670||$835||$139|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,758||$879||$147|
|Nissan Rogue SL 2WD||$1,548||$774||$129|
|Toyota Camry Hybrid||$1,670||$835||$139|
|Toyota Corolla LE||$1,544||$772||$129|
|Get Rate Quotes for Your Vehicle Go|
How to Find Cheaper Auto Insurance in San Antonio
The best way to lower your insurance rates is to regularly compare rates from companies who sell auto insurance in San Antonio. This can be done by following these steps.
- First, take a little time to learn about individual coverages and the steps you can take to keep rates down. Many factors that increase rates can be controlled by making small lifestyle or driving habit changes.
- Second, Texas has a great app for getting rate estimates located here. It allows you to get sample rates and have an idea of which companies might be the cheapest based on your gender, marital status, age, and credit rating.
- Third, once you have narrowed down your companies, visit their websites and complete an actual quote application. This will provide you with accurate rates that you can base your final decision on.
- Fourth, compare your new rate quotes to your existing coverage and determine if you can save money by switching to a new company.
The most important thing to remember when comparing rate quotes is that if you have existing coverage, you want to compare quotes with identical coverage deductibles and limits. If you use different physical damage deductibles or liability limits, you won’t have an apples-to-apples comparison and it will be more difficult to determine which quote is truly the cheapest.
Direct Insurers, Independent Agents, and Exclusive Agents
There are several channels that car insurance companies use to sell insurance, including direct sales like GEICO and Progressive, independent agents, and exclusive agents like State Farm and Allstate. If you want the most comprehensive comparison of rates, you should obtain price estimates from all of them. Independent agents have the ability to quote your coverage with multiple companies, which the others can only provide rates from a single provider.
Insurance Agents in San Antonio
The interactive map below shows some of the insurance agents in San Antonio. Zoom and pan the map to locate the agent nearest to you, and click on any map marker to get location and contact information.