Would you like to find the cheapest auto insurance rates in San Antonio, TX? Are you at wits end from not being able to afford to insure your vehicles every month? You have the same problem as most other vehicle owners in Texas.

It's amazing but nearly 70% of Texas drivers kept their coverage with the same auto insurance company for four years or more, and just short of a majority have never even shopped around for cheap coverage. American drivers can cut their rates by $859 a year by just shopping around, but they just don't understand the benefits if they replace their high priced policy.

Since you have so many options when it comes to auto insurance, it can be impossible to choose the most cost effective insurer.

Cheapest companies for San Antonio auto insurance

The companies in the list below are ready to provide free rate quotes in Texas. To find the best auto insurance in San Antonio, it's highly recommended you visit several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in San Antonio
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,752 $876 $146
Dodge Grand Caravan Crew $1,226 $613 $102
Dodge Ram Quad Cab Sport 4WD $1,778 $889 $148
Ford Edge SEL 2WD $1,224 $612 $102
Ford Escape XLS 4WD $1,014 $507 $85
Ford F-150 XL Regular Cab 4WD $1,384 $692 $115
Ford Focus SES 4-Dr Sedan $934 $467 $78
Ford Fusion SE 4-Dr Sedan $1,402 $701 $117
GMC Sierra Denali Crew Cab 2WD $1,576 $788 $131
Honda Accord EX-L 4-Dr Sedan $1,072 $536 $89
Honda CR-V EX-L 4WD $1,178 $589 $98
Honda Civic Hybrid 4-Dr Sedan $1,402 $701 $117
Hyundai Elantra GLS Touring Station Wagon $846 $423 $71
Nissan Altima 3.5 SR 2-Dr Coupe $1,758 $879 $147
Toyota Camry Hybrid $1,308 $654 $109
Toyota Corolla XLE $1,276 $638 $106
Volkswagen Jetta S 2.5 Station Wagon $908 $454 $76
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in San Antonio which can impact premiums significantly.

Annual premiums for males compared to females

The information below shows the comparison of yearly insurance costs for male and female drivers in San Antonio. Data assumes no claims or violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied on a Kia Optima EX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Insurance rates and discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Some discounts will apply when you purchase, but a few need to be manually applied before they will apply. If you check and find you aren't receiving every discount you qualify for, you could be paying more than you need to.Save money with discounts

It's important to understand that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, it's just not the way it works.

Auto insurance companies who might offer these benefits include:

If you need lower rates, check with each insurance company to give you their best rates. Depending on the company, some discounts may not apply to policies in your area. To choose insurance companies offering insurance discounts in San Antonio, follow this link.

Auto insurance can get complicated

When it comes to buying coverage, there is no "perfect" insurance plan. You are unique and a cookie cutter policy won't apply.Higher deductibles save money For instance, these questions can aid in determining whether or not you might need professional guidance.

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Buying insurance from San Antonio car insurance agents

Many drivers still like to buy from a local agent and that is a personal choice. A nice benefit of comparing insurance online is that drivers can save money and get better rates and still have an agent to talk to.

Insurance agents in San AntonioBy using this form (opens in new window), the quote information is emailed to companies in San Antonio who will give you quotes for your insurance coverage. It simplifies rate comparisons since you won't have to search for an agent because prices are sent straight to your inbox. You can find better rates and work with a local agent. If you want to get a price quote from a particular provider, you just need to visit that company's website and fill out the quote form the provide.

Choosing the best provider should depend on more than just a low price. Any good agent in San Antonio should know the answers to these questions.

Best auto insurance agent in San Antonio

If you want to use a good San Antonio insurance agent, you must know there are a couple different types of agents and how they work. Insurance policy providers can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents in the exclusive channel can usually just insure with one company like American Family, State Farm, and Allstate. Exclusive agents cannot shop your coverage around so keep that in mind. These agents are highly trained in insurance sales and that can be a competitive advantage.

Listed below is a list of exclusive agencies in San Antonio who may provide you with price quotes.

4951 De Zavala Rd - San Antonio, TX 78249 - (210) 694-0866 - View Map

8201 Roughrider Dr - San Antonio, TX 78239 - (210) 655-0212 - View Map

19190 Stone Oak Pkwy #112 - San Antonio, TX 78258 - (210) 496-3276 - View Map

View more San Antonio agents

Independent Insurance Agencies

Independent insurance agents are not limited to a single company and that enables them to quote your coverage with many different companies and find the cheapest insurance rates. If they find a lower price, the agent simply finds a different carrier without you having to go to a different agency.

If you need cheaper insurance rates, you absolutely need to compare prices from a few independent agents to maximize your price options.

Below are independent agents in San Antonio that are able to give comparison quotes.

7330 San Pedro Ave #150 - San Antonio, TX 78216 - (210) 738-3537 - View Map

Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935 - View Map

401 E Sonterra Blvd #375 - San Antonio, TX 78258 - (210) 510-4160 - View Map

View more San Antonio agents

Does car insurance advertising bend the truth?

Popular car insurance providers such as GEICO, State Farm and Progressive consistently run ads in print and on television. All the companies seem to make the promise that drivers will save a bundle if you just switch to them. How is it plausible that every one can make almost identical claims? It's all in the wording.

Different companies have underwriting criteria for the type of driver that is profitable for them. An example of a desirable insured could be over the age of 50, has no claims, and drives a safe vehicle. Any customer who matches that profile will probably get cheap prices and as a result will probably save when they switch companies.

Insureds who do not match the ideal profile must pay higher premium rates and the driver buying from a lower-cost company. The ads say "customers that switch" not "everyone who quotes" save that much when switching. That's the way companies can truthfully make claims that they all have the best prices. This really drives home the point why drivers must get price quotes at each policy renewal. It's just not possible to know which insurance companies will have the lowest premium rates for your situation.

Insurance specifics

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills like X-ray expenses, prosthetic devices and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability car insurance

Liability insurance will cover damage or injury you incur to other's property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 30/60/25 which means a limit of $30,000 per injured person, a limit of $60,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as court costs, structural damage, bail bonds, attorney fees and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Texas state minimum liability requirements are 30/60/25 but drivers should carry higher limits.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle's damage.

Due to the fact that many Texas drivers carry very low liability coverage limits (30/60/25 in Texas), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

Collision insurance will pay to fix damage to your vehicle resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, hitting a parking meter, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed and theft. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Car insurance claims by make and model

Are you driving a high-claim vehicle? The data below show the best and worst vehicles for overall likelihood of having to file claims for each type of coverage.

Car Insurance Medical Payment Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-350 SuperCrew Kia Forte
Chevrolet Corvette Hyundai Accent
Audi A4 Allroad Dodge Charger
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra
Land Rover Range Rover Sport Nissan Versa

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Car Insurance Liability Claims
Lowest Claims Highest Claims
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Outback Kia Rio
Acura MDX Mitsubishi Mirage
Fiat 500 Dodge Charger
Audi A6 Chevrolet Impala
Subaru Forester Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
Ford F-250 SuperCab Maserati Ghibli
Jeep Wrangler Nissan GT-R
Mini Cooper Bentley Continental Flying Spur
GMC Canyon BMW M6
Ford F-150 SuperCrew Audi RS7
Nissan Xterra Bently Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claims Highest Claims
Volvo V60 BMW M6
GMC Sierra 2500 Bentley Continental GTC
Chevy Silverado 2500 Audi S7
Chevy Spark Bentley Continental GT
Smart ForTwo BMW M6
Nissan Leaf Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance savings summarized

When you buy San Antonio car insurance online, it's a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest cost, but don't skip important coverages to save money.

You just learned some good ideas how to get a better price on auto insurance in San Antonio. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may even discover the best prices are with some of the lesser-known companies. Smaller companies often have lower rates on specific markets than the large multi-state companies such as GEICO and State Farm.

More detailed auto insurance information can be found in these articles: