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San Antonio, TX Auto Insurance Guide (Coverage + Costs)

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 26, 2020

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San AntonioDetails
City Population1,511,946
City Density3,710 people per square mile
Average Cost of Car Insurance$5,579.30
Cheapest Car Insurance ProviderState Farm
Road ConditionsPoor Share – 29%
Mediocre Share – 31%
Fair Share – 11%
Good Share – 29%
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With a city as big and cool as San Antonio, you’d think it would be easy to find car insurance.

Finding car insurance is hard and can take forever. With hundreds of car insurance companies in the state of Texas, it can be overwhelming trying to figure out which company suits your needs the best.

Imagine finding the best company for you, a company that has great coverage and good rates. We’re going to help you find that. In this guide, we’re going to go over the coverage and costs in San Antonio.
Use our FREE quote comparison tool to find the lowest rates near you.

Table of Contents

Car Insurance Rates in San Antonio

Car insurance costs can vary from state to state, county to county, and even city to city. You’ll want to know what the rates are specific to San Antonio. In this section, we’re going to cover how gender, age, and ZIP code can affect your rates.

Do gender and age affect my car insurance in San Antonio?

Your age can affect your car insurance rates and your gender can too. It is possible to pay more for insurance if you are young and male. In the table below you’ll see how your rates change according to your gender and age.

AgeRates
Married 60-year-old female$2,434.52
Married 60-year-old male$2,572.33
Married 35-year-old female$2,595.63
Married 35-year-old male$2,670.77
Single 25-year-old female$3,184.53
Single 25-year-old male$3,366.52
Single 17-year-old female$7,357.71
Single 17-year-old male$8,766.04
Average$4,118.50
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Adults who are 60 years of age pay less for insurance. Women of this age pay less, while men pay more for car insurance. A single 25-year-old male can pay more than a female of the same age.

Teens’ rates are much higher than adults. Depending on the company, the rates can be significantly higher. Insurance rates are also lower if you’re married instead of single.

What are the cheapest ZIP codes in San Antonio?

Below you’ll find the cheapest rates by ZIP code in San Antonio.

ZIP CodeAverage Annual Rates in San Antonio by ZIP Code
78266$5,579.30
78239$5,761.53
78230$5,801.51
78258$5,832.82
78263$5,834.17
78223$5,850.17
78219$5,856.54
78215$5,865.70
78253$5,873.39
78261$5,875.18
78244$5,875.63
78209$5,880.92
78222$5,886.08
78248$5,888.65
78233$5,894.15
78264$5,912.76
78210$5,914.36
78204$5,928.52
78212$5,936.12
78234$5,942.34
78235$5,953.79
78203$5,957.36
78232$5,961.26
78259$5,975.73
78224$5,987.32
78254$6,003.84
78247$6,022.20
78205$6,024.09
78256$6,032.68
78213$6,035.49
78221$6,046.72
78257$6,057.61
78251$6,060.77
78249$6,065.98
78218$6,068.94
78255$6,069.18
78250$6,077.79
78214$6,083.96
78245$6,086.29
78220$6,097.07
78231$6,111.56
78202$6,115.45
78208$6,116.22
78225$6,135.93
78260$6,137.10
78240$6,143.83
78242$6,161.81
78238$6,169.16
78217$6,170.55
78228$6,193.53
78227$6,210.05
78211$6,212.83
78207$6,213.98
78237$6,248.73
78216$6,251.61
78252$6,256.80
78226$6,276.38
78229$6,337.46
78243$6,356.88
78241$6,407.63
78285$6,725.14
78284$6,752.74
78206$6,843.52
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The cheapest ZIP code is 78266. The second cheapest ZIP code is 78239.

What’s the best car insurance company in San Antonio?

Since there are a lot of insurance companies around, we’re going to talk about which one is the best. A lot of car insurance companies claim to have it all, but we’re going to help you make an informed decision.

Cheapest Car Insurance Rates by Company in San Antonio

Below are the cheapest car insurance rates in San Antonio.

CompanySingle 17-Year-Old FemaleSingle 17-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleMarried 60-Year-Old FemaleMarried 60-Year-Old MaleAverage
Allstate$9,702.39$11,687.90$4,498.53$4,674.05$3,644.62$3,668.74$3,595.93$3,595.93$5,633.51
American Family$8,606.74$11,338.72$4,508.70$5,172.72$3,076.88$3,440.54$2,918.23$3,357.40$5,302.49
Geico$5,977.56$6,157.76$2,937.45$2,902.58$2,717.10$2,944.34$2,638.90$3,023.87$3,662.45
Nationwide$6,664.22$8,542.40$2,762.74$2,985.74$2,350.64$2,387.13$2,080.17$2,198.96$3,746.50
Progressive$10,399.12$11,605.52$2,927.41$2,965.04$2,473.67$2,345.40$2,202.78$2,243.60$4,645.32
State Farm$5,378.84$6,859.94$2,421.28$2,488.98$2,223.31$2,223.31$1,985.80$1,985.80$3,195.91
USAA$4,775.09$5,170.04$2,235.59$2,376.51$1,683.17$1,685.90$1,619.86$1,600.72$2,643.36
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Car insurance companies have varying rates for different reasons. Car insurance can vary even if it’s provided in the same place. In San Antonio, residents pay more for Allstate than they will for other providers.

The least expensive company is USAA, but it’s only for the military and their families. The least expensive company for all residents is State Farm.

Best Car Insurance for Commute Rates in San Antonio

Your commute can affect your car insurance rates. If you have a long commute you can pay more for insurance than if you have a shorter one. Sometimes insurance companies charge the same rate for a long and short commute.

Company10-Mile Commute.
6,000 Annual Mileage.
25-Mile Commute.
12,000 Annual Mileage.
Average
Allstate$5,493.42$5,773.60$5,633.51
American Family$5,302.49$5,302.49$5,302.49
Geico$3,591.93$3,732.97$3,662.45
Nationwide$3,746.50$3,746.50$3,746.50
Progressive$4,645.32$4,645.32$4,645.32
State Farm$3,195.91$3,195.91$3,195.91
USAA$2,609.76$2,676.96$2,643.36
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State Farm has the lowest rates for 10-mile and 25-mile commutes. If you’re in the military, then USAA is the cheapest. State Farm also has the same rates for both commutes. Allstate charges the most for 10-mile and 25-mile commutes. American Family Insurance charges the same for both commutes, but the rates are still higher than State Farm.

Best Car Insurance for Coverage Level Rates in San Antonio

In the table below is the best car insurance rates for coverage levels.

CompanyHighMediumLowAverage
Allstate$5,819.82$5,582.68$5,498.03$5,633.51
American Family$5,896.12$5,099.44$4,911.90$5,302.49
Geico$3,949.03$3,603.90$3,434.41$3,662.45
Nationwide$3,639.77$3,587.17$4,012.56$3,746.50
Progressive$4,908.12$4,622.48$4,405.35$4,645.32
State Farm$3,400.45$3,180.82$3,006.45$3,195.91
USAA$2,767.27$2,629.58$2,533.23$2,643.36
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Allstate charges the most for high, medium, and low coverage. State Farm has the lowest rates for all people.

Best Car Insurance for Credit History Rates in San Antonio

Your credit score can have a lot to do with how much you pay for insurance. If you have poor credit you will pay more for insurance, and if you have good credit you can pay less.

CompanyGoodFairPoorAverage
Allstate$4,496.98$5,247.88$7,155.67$5,633.51
American Family$4,046.98$4,602.45$7,258.04$5,302.49
Geico$2,123.49$3,196.90$5,666.95$3,662.45
Nationwide$3,136.72$3,610.16$4,492.62$3,746.50
Progressive$4,187.62$4,519.40$5,228.94$4,645.32
State Farm$2,251.55$2,819.79$4,516.38$3,195.91
USAA$1,822.06$2,254.29$3,853.74$2,643.36
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Geico has the lowest rates for good credit, and State Farm is second. Although State Farm has higher rates for good credit, the rates for fair and poor credit are lower than the other car insurance companies. Allstate has the highest rates for good and fair credit. American Family Insurance has the highest rate for poor credit.

Best Car Insurance for Driving Record Rates in San Antonio

Having a good driving record is beneficial when paying for car insurance. If your driving record is clean you’ll have lower rates.

CompanyClean RecordWith Oe AccidentWith One Speeding ViolationWith One DUIAverage
Allstate$4,348.10$6,772.21$4,348.10$7,065.63$6,061.98
American Family$4,827.11$6,159.38$4,827.11$5,396.36$5,460.95
Geico$3,103.47$4,110.16$4,011.58$3,424.57$3,546.07
Nationwide$3,253.11$3,253.11$3,671.31$4,808.46$3,771.56
Progressive$4,048.78$5,244.19$4,557.24$4,731.06$4,674.68
State Farm$2,832.14$3,257.97$2,832.14$3,861.39$3,317.17
USAA$1,963.59$2,920.63$2,254.87$3,434.36$2,772.86
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USAA has the lowest rates overall. For non-military drivers, State Farm has the lowest rates for having a clean record, one-car accident, one speeding ticket, and one DUI. Allstate and American Family Insurance have the highest rates.

What are some car insurance factors in San Antonio?

We’re going to go over the different factors you should consider when researching car insurance for your city.

San Antonio Metro Report

Below is the metro report for San Antonio. The tables show the growth and prosperity in the U.S. metropolitan areas. The scale is from one to 100. One is best performing and 100 is the worst-performing.

Metro Monitor Summary – GrowthSan Antonio Ranking
Growth60th of 100
Jobs28th of 100
Jobs At Young Firms56th of 100
Gross Metropolitan Product (GMP)85th of 100
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Growth measures the change in the size of the metro area, the economy, and entrepreneurial activity. Many metro economies expanded from 2016 to 2017. Out of 100 metro areas, 95 reported gains, 94 had more jobs, and 83 had job increases at young firms.

Metro Monitor Summary – ProsperitySan Antonio Ranking
Prosperity91st of 100
Productivity97th of 100
Standard of Living98th of 100
Average Annual Wage62nd of 100
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Prosperity captures changes in average wealth and income produced by the metro economy. Out of 100 metro areas, 78 reported gains in productivity, 90 reported a rise in wages, and 83 areas saw the standard of living increase.

Median Household Income in San Antonio

The median household income for San Antonio is $49,024. The median income decreased from 2017 to 2018, even though the population increased during this time. The national median is $61,937, making San Antonio’s $12,913 less.

San Antonio also has a lower median than its neighboring city, New Braunfels, which has a median income of $57,379. It’s also lower than the Texas average of $60,629. San Antonio’s income is lower than its home county, Bexar, by $5,125. The car insurance cost as a percentage of income is 11.38 percent.

Learn how much of your income goes into your car insurance. Use the calculator below.

CalculatorPro

Homeownership in San Antonio

In 2018 the amount of homeownership in San Antonio was 53 percent. The percentage was down 1.8 percent from 2017. San Antonio’s homeownership is less than 10.9 percentage points less than the U.S. average of 63.9 percent.

As of 2018, the average property value was $155,600 — about $74,100 less than the national average. From 2017 to 2018 the property value increased by $7,400.

Sometimes car insurance companies penalize you for not owning your home.

If you rent your home, you’re likely to pay more for insurance. You could pay 7 percent more for liability insurance if you rent.

Education in San Antonio

San Antonio has several universities within its city limits. The largest colleges are the University of Texas at San Antonio, San Antonio College, and Northwest Vista College. The average college tuition is $27,900 for private four-year colleges and $5,307 for in-state public colleges.

Wage by Race & Ethnicity for Common Jobs in San Antonio

During 2018, the highest paid race and ethnic group were Asian residents, followed by white residents and then residents of two or more races. The average salary for Asian residents was $66,902, $12,261 more than white residents and $19,204 more than residents of two or more races.

Below are the wages by race and ethnicity for common jobs and the premiums as a percentage of income.

EthnicityOther ManagersPremiums as Percentage of IncomeDriver/sales Workers and Truck
Drivers
Premiums as Percentage of IncomeElementary and Middle School
Teachers
Premiums as Percentage of IncomeRetail SalespersonsPremiums as Percentage of IncomeCashiersPremiums as Percentage of Income
Asian$114,7874.86%$31,93817.47%$32,70617.06%$28,38219.66%$22,27025.05%
White$108,1555.16%$44,99312.40%$45,70712.21%$32,79717.01%$15,04737.08%
Black$73,9537.54%$50,83910.97%$44,96412.41%$28,53219.55%$13,65840.85%
American Indian$80,5466.93%$74,0487.53%$44,26912.60%$17,92431.13%$13,22542.19%
Native Americann/an/a$55,16110.11%n/an/a$38,18514.61%$12,94143.11%
Two or More Races$82,0116.80%$37,41014.91%$45,45412.21%$27,75820.10%$10,37053.80%
Other$60,1799.27%$46,08912.11%$40,60613.74%$24,00523.24%$14,23339.20%
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Different ethnicities are paid higher than others for different jobs.

Wage by Gender for Common Jobs in San Antonio

Not only do wages change according to race, but it can also change according to gender. In 2018, male workers were paid $67,436, while female workers were paid only $48,835.

In the table below you’ll see the wages for different jobs by gender and the premiums as a percent of income.

GenderOther ManagersPremiums as Percentage of IncomeElementary and Middle School TeachersPremiums as Percentage of IncomeDriver/Sales Workers and Truck
Drivers
Premiums as Percentage of IncomeRetail SalespersonsPremiums as Percentage of IncomeCashiersPremiums as Percentage of Income
Male$119,7194.66%$53,24110.48%$50,11111.13%$49,69611.23%$25,59721.80%
Female$78,5627.10%$47,98711.63%$32,43617.20%$34,12516.35%$21,72625.68%
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For some jobs, men and women are paid almost equally.

Poverty by Age & Gender in San Antonio

Poverty affects every age, gender, and race. As of 2017, 18.6 percent of people live in poverty in San Antonio (267,000 of 1.44 million). This number is higher than the national percentage of 13.1 percent. The San Antonio average is 5.5 percentage points higher.

Most people living in poverty in San Antonio are female between the ages of 25–34. The highest poverty rates for males are between the ages of 18–24.

Poverty by Race & Ethnicity in San Antonio

In 2017, Data USA reported that white individuals were the largest racial group living in poverty. San Antonio had 208,283 white residents living in poverty. Very close behind were Hispanic residents with 198,296 people living in poverty. The two race groups had the highest poverty rates of any other race or ethnicity.

Pacific Islanders had the lowest poverty rates.

Employment by Occupations in San Antonio

In 2018 employment grew 1.42 percent from 2017. Employees increased from 706,000 to 716,000.

The most common job in San Antonio is office and administration, with 92,026 employees. The second most common job is sales and related occupations, with 77,781 employees, and the third is management occupations with 58,171 employees.

The chart shows employment by occupation.

JobsNumber of Employees
Management, Business, Science and Arts238,000
Sales and Office170,000
Service151,000
Productions, Transportation, and Material Moving82,900
Natural Resources, Construction, and Maintenance73,800
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The occupation with the least number of employees is natural resources, construction, and maintenance. The occupation with the most employees is management, business, science, and arts.

Driving in San Antonio

You’re probably familiar with some of the driving laws across Texas. Many of these laws will apply to the counties and cities also. In this section, we’re going to cover driving in San Antonio.

What are the major roads in San Antonio?

Like many major cities, there are major highways and roads that bring people into the city.

Ready to learn about the major highways in San Antonio?

Let’s go.

Major Highways in San Antonio

Texas has 25 active routes for traveling. The highways make up 3,501.15 miles.

San Antonio Highway Map

Here are the routes in San Antonio

  • I-10
  • US 87
  • TX 151
  • US 90
  • 1-35
  • TX 130
  • Loop 1604

Texas does have toll roads, but none in San Antonio.

Popular Road Trips in San Antonio

San Antonio is a large city, and there are many things to get into.

There are a lot of cool things to do in the city. You can:

  • Have a few drinks and a snack at Yanaguana Garden.
  • Go Kayaking at Confluence Park.
  • Dine on the River Walk.
  • Play a relaxing game of golf at the Quarry Golf Club.
  • Visit the Hays Street Bridge.

San Antonio offers activities for adults and kids, and many are free.

Road Conditions in San Antonio

In the table below are the road conditions for San Antonio.

Road ConditionsAmount
Poor Share29%
Mediocre Share31%
Fair Share11%
Good Share29%
VOC$710
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The city has more mediocre roads than any other road condition. There are equal amounts of poor and good roads.

The annual vehicle operating costs total $710.

Does San Antonio use speeding or red-light cameras?

You should never run red lights. You can cause accidents — sometimes fatal ones. When you run a red light, two things can happen. You can get a ticket from an officer or a ticket from a red-light camera.

Red-light cameras help to discourage running red lights. When there is adequate yellow signal timing it reduces the likelihood of crashes. According to the IIHS, red-light runners are most likely to be male and have previous driving convictions.

Not all states have red-light cameras. Texas just banned red-light cameras in 2019.

What type of vehicles are in San Antonio?

There are hundreds of cars in San Antonio, and many are made by different manufacturers. We’re going to view the most popular cars and how many cars are in each household.

Most Popular Vehicles Owned in San Antonio

Residents of San Antonio are likely to have a car with a more powerful engine. The most popular car in San Antonio is the Chevrolet Suburban 1500.

The Suburban is a large full-size SUV. It has a V8 engine and a 31-gallon tank. The SUV can fit up to nine people. It also has 355 horsepower and can tow up to 8,300 pounds. You can get 14 miles per gallon in the city and 23 on the freeway.

How many cars per household in San Antonio?

A lot of people in the United States own cars. Many San Antonio residents have two cars — 40.2 percent. The national average is only 0.1 percentage points more than the San Antonio average.

23 percent of people have one car, 21.5 percent have three cars, 9.17 percent have four cars, and 2.64 percent have five or more cars.

Households Without a Car in San Antonio

In 2015, 8.4 percent of people in San Antonio didn’t own a vehicle. The number decreased to 8.3 percent in 2016.

Speed Traps in San Antonio

There are five known speed traps in San Antonio. The acknowledgment rate is 88 percent.

Vehicle Theft in San Antonio

Vehicle theft is not uncommon. If you have had your car stolen or parts of it stolen, it can be an unpleasant experience.

As of 2017, San Antonio has had 6,864 vehicle thefts. The safest neighborhood in San Antonio is FM Road 2696 / Wilderness Oak. The crime index for the city is five (100 is the safest). The crime rate is 47 per 1000 residents. San Antonio has more crime than most communities in Texas.

San Antonio is safer than only 5 percent of U.S. cities. The chance of being a victim of a violent crime is one in 158. The chance of being a victim of property crime is one in 25.

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How is traffic in San Antonio?

Traffic can affect a couple of things: your commute time and your patience. Living in a populous city will increase the chance of more congested areas, making it take longer to get to important places.

Traffic Congestion in Texas

San Antonio is the 163rd most-congested city in the world. It is the 34th most-congested city in the United States. Residents of San Antonio spent 60 hours in congestion in 2018. The cost of congestion per driver is $832.

Time of DaySpeed
Peak33.59 mph
Off Peak47.87 mph
Free Flow53.76 mhp
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In 2019, the congestion level of San Antonio was 19 percent, up 2 percent from 2018. The most congested time of the day is Thursday from 5–6 p.m. The congestion level is 57 percent. Drivers in San Antonio spent 105 hours in traffic, which is equal to four days and nine hours.

Drivers who have morning commutes spend 11 minutes extra in traffic per 30-minute trip. Evening commuters spend 16 extra minutes per 30-minute trip.

The best day to travel was December 25. On Christmas day the congestion level was at its lowest, 2 percent. The worst day to travel was December 20. Congestion was at the highest — 37 percent.

Time of DayCongestion Level
Evening53%
Morning37%
Non-Highway22%
Highway14%
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Going home after work can take a little longer than you’d expect. Drivers who commute in the evening sit in higher levels of congestion. The least congested times of the week are Saturday and Sunday. The congestion level is 4 percent. Drivers who drive between 7 p.m. and 6 a.m. sit in less traffic.

Below is the traffic index for San Antonio.

TypeIndex
Traffic130.75
Time (in minutes)29.19
Inefficiency127.51
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The traffic index is the composite index of time spent in traffic. The time index is the amount of time (in minutes) needed to transport. The inefficiency index is the estimation of inefficiencies in traffic.

Transportation in San Antonio

The average commute time in San Antonio is 23.8 minutes. The average commute time increased from the year before. The average commute time for the United States is 25.7 minutes. Less than 2 percent of drivers have a 90-minute commute.

In 2018, 78 percent of drivers drove alone, 12.1 percent of people carpooled, and 3.48 people worked from home. Since 2013, taxis as transportation have increased. Motorcycles are on a decline.

Busiest Highways in San Antonio

Texas is a very large state, so it has a lot of busy highways. In San Antonio, the busiest highway is US 281 between Stone Oak Parkway and SL 1604.

It is ranked number 20 in the 100 most congested highways in Texas.

The annual congestion cost is $26.6 million. The annual hours of delay per mile are 429,311.

In 2017, in San Antonio, drivers traveled for 69,982 hours. It was ranked 26th out of 32 large urban areas. The truck congestion cost was $147 million. The total congestion cost was $1.4 billion. The yearly delay per auto commuter was 51 hours, and the congestion cost per driver was $964.

How safe are San Antonio streets and roads?

San Antonio stretches across eight counties: Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, and Wilson. Below are the fatalities for each of those counties.

County20142015201620172018
Atascosa17176910
Bandera88277
Bexar184189226164181
Comal2017241613
Guadalupe1519241923
Kendall59541
Medina39141717
Wilson144748
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In 2018, San Antonio had 260 fatalities. Over the past five years, there have been 1,346 fatalities.

The city has had several fatalities caused by alcohol-impaired drivers.

County20142015201620172018
Atascosa95203
Bandera53032
Bexar7482967077
Comal671175
Guadalupe3813611
Kendall33210
Medina15447
Wilson71214
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Between 2014 and 2018, there were 553 deaths caused by drunk drivers. The most fatalities were in Bexar County. The least happened in Kendall County.

The table below shows the single-vehicle crashes for every county in San Antonio.

County20142015201620172018
Atascosa513366
Bandera44245
Bexar113110134109106
Comal12111257
Guadalupe147879
Kendall36120
Medina26878
Wilson93204
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Bexar County has had the most crashes. There were 145 single-vehicle crashes in 2018.

Below are the fatalities by roadway departures.

County20142015201620172018
Atascosa1211388
Bandera63144
Bexar7592876874
Comal881179
Guadalupe79201111
Kendall18221
Medina1411911
Wilson103525
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The most roadway departures fatalities occurred in Bexar County. The least occurred in Bandera County.

Most fatalities involving an intersection were in 2018.

County20142015201620172018
Atascosa11001
Bandera32011
Bexar3940413049
Comal51325
Guadalupe24613
Kendall01110
Medina00121
Wilson20312
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Bexar County had the most fatalities between 2014 to 2018. Kendall and Atascosa counties had the least. In 2017, the fatality number was lower.

Below are the fatalities by passenger car occupants.

County20142015201620172018
Atascosa94041
Bandera02123
Bexar5472715954
Comal44785
Guadalupe1614114
Kendall15211
Medina13484
Wilson31134
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The numbers are higher for Bexar County. In 2017 and 2018 the fatality numbers were the highest for the county. In 2016, the fatalities for all the counties combined were the highest, with 100 that year. The second-highest year was 2015.

Pedestrians are not safe from fatalities. Between 2014 to 2018 there were 326 pedestrian deaths in the city.

County20142015201620172018
Atascosa00111
Bandera00110
Bexar5746685054
Comal46341
Guadalupe42035
Kendall10010
Medina21251
Wilson30100
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Atascosa and Bandera had the least pedestrian fatalities.

Pedalcyclists share the road with drivers and are involved in accidents too. Below are the pedal cyclist fatalities.

County20142015201620172018
Atascosa00000
Bandera01000
Bexar15545
Comal00100
Guadalupe10001
Kendall00000
Medina00000
Wilson00000
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Within five years, there were only 24 pedalcyclist fatalities. Most occurred in Bexar. Guadalupe had the second-highest number with two.

Below are the crashes by road function class.

Roadway TypeFatalities
Rural Interstate188
Urban Interstate438
Freeway and Expressway243
Other1001
Minor Arterial624
Collector Arterial581
Local225
Unknown5
Total Crashes3305
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Texas had 3,305 fatalities in 2018, a decrease from 2017.

Below are railroad and highway crash incidents in San Antonio.

Highway User SpeedCalendar YearHighwayHighway User TypeRail Equipment Typenonsuicidefatalitynonsuicideinjury
02012S. Alamo and ProbandtPick-up truckLight Loco(s)00
102012Rittman RoadTruck-trailerFreight Train00
32012IH 35 NB Frontage RoadTruck-trailerFreight Train01
n/a2012ZarzamoraPedestrianFreight Train01
252012Ruiz StreetPick-up truckPsgr Train00
102012Ceralvo StreetAutomobileFreight Train03
02012IH-35 NB Frontage RoadPick-up truckFreight Train03
102013Thousand Oaks DrivePick-up truckFreight Train01
n/a2013I-35 Frontage RoadAutomobileFreight Train00
02013Fratt RoadTruck-trailerFreight Train00
02013Fratt RoadTruck-trailerFreight Train00
22013Stahl RoadPick-up truckLight Loco(s)00
22013Auto FacilityTruck-trailerLight Loco(s)00
52013E. Commerce StreetAutomobileFreight Train00
202013Bitters Road/MacArthurAutomobileFreight Train01
n/a2014I-35 Frontage RoadPick-up truckFreight Train00
02014Loop 536PedestrianFreight Train01
02014Hoefgen StreetAutomobileFreight Train00
n/a2014South East MilitaryAutomobileFreight Train00
102014Frontage Road/FM 1604AutomobileFreight Train00
252014Eisenhauer RoadTruck-trailerPsgr Train06
n/a2014South Presa StreetPedestrianFreight Train10
02014Hoefgen StreetTruck-trailerFreight Train00
102014S. Laredo StreetAutomobileFreight Train00
52014Kirkpatrick StreetAutomobileYard/Switch00
02014Fredericksburg RoadPedestrianFreight Train01
n/a2014South Brazos StreetPedestrianFreight Train01
n/a2014Thousand OaksAutomobileFreight Train00
n/a2015S. Zarzamora StreetPick-up truckFreight Train00
02015I-35 Frontage RoadPick-up truckFreight Train01
102015All Private in YardAutomobileYard/Switch00
2015West Martin StreetPedestrianFreight Train01
252015Arbor StreetAutomobileFreight Train00
02015Basse RoadAutomobileFreight Train01
202015Rivas StreetAutomobileFreight Train00
02015Lamar StreetPick-up truckFreight Train00
n/a2015IH 35 Frontage RoadPick-up truckFreight Train00
252016W.W. White RoadAutomobileYard/Switch00
n/a2016135 Frontage RoadPick-up truckYard/Switch00
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Most incidents are nonsuicidal injuries.

Allstate America’s Best Drivers Report

San Antonio is the 138th safest driving city in the United States. The average years between claims are 8.2. The national average is 10.57. From 2018 to 2019, San Antonio moved up three spots. The likelihood of a relative claim is 0.29. There is not data for hard braking.

Ridesharing in San Antonio

If you don’t drive yourself, you’ve probably used or are using ridesharing services such as Lyft and Uber. For shorter rides, an average ride for Uber and Lyft is $7. For example, if you go 0.7 miles, you’ll pay the same rate. For longer rides, the rates are also the same.

If you go 14 miles, you’ll pay $22 for both companies. Taxis for shorter rides are less than Lyft and Uber, but for longer rides, they are more.

E-star Repair Shops in San Antonio

If you’re in an accident after you file a claim you can choose to bring your car to an E-star shop. Your Esurance insurance adjuster will have a conference call with you and the shop to schedule a time for an inspection.

When you choose E-star you can access online repair monitoring through RepairView. You can view your repairs and get pictures, follow your repairs, get status updates, and directly contact the repair shop.

E-star ShopsAddressContact Info
Caliber - San Antonio - Culebra Express7626 Culebra Rd.
San Antonio, TX 78251
email: CulebraExpress@CaliberCollision.com
P: (210) 521-9325
F: (972) 906-7164
Caliber - San Antonio - IH-1013649 West IH-10
San Antonio, TX 78249
email: IH10@CaliberCollision.com
P: (210) 696-4700
F: (972) 906-7164
Caliber - San Antonio - San Pedro6308 San Pedro
San Antonio, TX 78216
email: SanPedro@CaliberCollision.com
P: (210) 344-7755
F: (972) 906-7164
Service King Babcock5631 Babcock
San Antonio, TX 78240
email: ccc@serviceking.com
P: (210) 697-8800
F: (800) 214-2373
Service King Bandera5608 Bandera Rd.
San Antonio, TX 78238
email: ccc@serviceking.com
P: (210) 522-1044
F: (800) 214-2373
Service King Broadway8727 Broadway St.
San Antonio, TX 78217
email: ccc@serviceking.com
P: (210) 826-7139
Service King De Zavala5998 De Zavala # 2
San Antonio ,TX 78249
email: ccc@serviceking.com
P: (210) 696-3094
F: (800) 214-2373
Service King Ingram7602 Ingram Rd.
San Antonio, TX 78201
email: ccc@serviceking.com
P: (210) 520-8600
F: (800) 214-2373
Service King Perrin Beitel11814 Perrin Beitel Rd.
San Antonio, TX 78217
email: ccc@serviceking.com
P: (210) 654-1133
F: (800) 214-2373
Service King Southside736 SW Military Dr.
San Antonio, TX 78201
email: ccc@serviceking.com
P: (210) 922-5525
F: (800) 214-2373
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If you have any questions about E-star, you can contact your claims representative.

What is the weather like in San Antonio?

Some cities are unique for their weather. Weather can be important. If it rains, snows, or if it’s sunny, it can affect the way you drive.

In San Antonio, the annual high temperature is 78.9 degrees. The annual low temperature is 57.6 degrees. The average temperature is 68.7 degrees.

In this part of Texas, you can expect 32.91 inches of rain a year. The number of natural disasters in Bexar was 19, which is more than America’s average of 13.

Is public transit available in San Antonio?

If you like to use public transit, you’re in luck: San Antonio has it. San Antonio has the VIA Metropolitan Transit, the main public transit system. It also has VIVA, a newer system that connects popular landmarks.

For local VIA buses, the fare is $1.30 and express buses are $2.60. When you get a day pass, the fare is $2.75.

Are other alternate transportation options available in San Antonio?

Other than the bus there are also car rentals and ridesharing such as Lyft and Uber. You can also use Leep, a new service in San Antonio.

If you want to have a lot of fun traveling around the city, you can rent a bike for a day from SWell Cycle for $12.99 or you can pay for a 30-minute ride. It will cost you $3.25.

You can also use Lime scooters to get around the city.

Is parking easy in San Antonio?

Parking can be a pain, and it’s not always easy to park large cars in parallel spaces. Sometimes there is not a lot of parking and you ride around forever trying to find a place to put your car.

In San Antonio, parking can be as much as $35. There are several apps such as Parkmobile and PayByPhone Parking that can help find parking around the city.

San Antonio has 134 solar-powered pay states. They take debit and credit cards as well as cash and coins.

On Tuesday the parking downtown is free. Drivers can use SAPark to pay for on-street parking. There are 2,500 on-street parking spaces.

If you have an electric car, don’t worry. There are 362 charging stations for electric cars around the city.

How is the air quality in San Antonio?

Air quality in the city is important for the health of its residents. This data comes from the Environmental Protection Agency.

YearDays GoodDays ModerateDays
Unhealthy
(for
Sensitive
Groups)
Days
Unhealthy
Days Very
Unhealthy
2019197162510
20182511031010
201726294420
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During 2019 in San Antonio, there were more days with good air quality. It’s a decrease from 2018, where there were 251. 2017 had the most days with good air quality, with 262 days.

Military Bases Near in San Antonio

In this section, we’re going to cover the military and its insurance and discounts.

Most military personnel in San Antonio served in the Gulf War in 2001. The next largest group served in Vietnam. The smallest group served in World War II.

The closest military base to San Antonio is Joint Base San Antonio. The base is under the jurisdiction of the U.S. Air Force.

CompanyDiscounts Provided
AllState1
Esurance1
Farmers1
Geico1
Liberty Mutual1
MetLife1
Safe Auto1
Safeco1
State Farm1
The General1
USAA2
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The car insurance companies with the most discounts are MetLife and Liberty Mutual.

USAA is available in Texas. It’s less expensive than State Farm by $391.05. It’s also $2,997.55 less than Allstate, which has the highest annual premium in Texas.

Unique San Antonio Laws

Texas has weird laws. In this section, we’re going to cover laws unique to San Antonio. Some of these might be unique to Texas. These are laws you probably don’t know about.

  • You can get a ticket or pay a fine for opening a door in public streets.
  • You can’t drive a car without windshield wipers.
  • You can’t leave the keys in the ignition. You can get a $500 ticket.

These are only a few of the unique laws, but they are interesting and should be followed.

San Antonio Car Insurance FAQs

We’ve reached the end of our guide. We hoped you learned a lot. But you might have some questions about moving to San Antonio. Here are a few below.

Why move to San Antonio Texas?

San Antonio is a fast-growing city. It was in the top five for the fastest growing cities between 2018–2019. San Antonio is family-friendly and housing is affordable. The house price median is under $200,000. Not only are the housing prices lower, but the income taxes are lower also.

If you are looking for a job there are a lot of great opportunities within the city. San Antonio is relaxing and has a lot of activities and sports teams to cheer on.

How much do you need to make to live in San Antonio?

To be able to live comfortably in San Antonio, you won’t need millions of dollars. You will need to make close to $50,000 a year.

How is Traffic in San Antonio?

San Antonio might be a great city, but it has not so great traffic. Since the city is growing so fast, there are more people on the roads. Drivers have to add additional time to their commute due to increasing traffic.

Is it expensive to live in San Antonio?

San Antonio is 7.8 percent less expensive to live than the national average for the cost of living. Other major cities in Texas, such as Dallas, are far more expensive.

Will San Antonio get snow this year?

San Antonio’s weather can vary in temperature but it tends to be warmer throughout the year.

Now that you know all there is about San Antonio, enter your ZIP code to compare the best insurance rates.

References:
  1. https://www.brookings.edu/research/metro-monitor-2019-inclusion-remains-elusive-amid-widespread-metro-growth-and-rising-prosperity/
  2. https://datausa.io/profile/geo/san-antonio-tx
  3. https://money.com/car-insurance-more-for-renters-than-homeowners/
  4. https://www.interstate-guide.com/state-index/
  5. https://www.thrillist.com/lifestyle/san-antonio/things-to-do-in-san-antonio
  6. https://tripnet.org/wp-content/uploads/2019/03/Urban_Roads_TRIP_Report_Appendices_October_2018.pdf
  7. https://www.iihs.org/topics/red-light-running
  8. https://www.keranews.org/post/what-you-need-know-about-red-light-camera-ban
  9. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
  10. https://www.chevrolet.com/suvs/suburban
  11. https://www.speedtrap.org/texas-speed-trap-cities/
  12. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/texas.xls
  13. https://www.neighborhoodscout.com/tx/san-antonio/crime
  14. https://inrix.com/scorecard-city/?city=San%20Antonio%2C%20TX&index=163
  15. https://www.tomtom.com/en_gb/traffic-index/san-antonio-traffic#statistics
  16. https://www.numbeo.com/traffic/region_rankings.jsp?title=2019&region=021
  17. https://www.numbeo.com/traffic/indices_explained.jsp
  18. https://datausa.io/profile/geo/san-antonio-tx” target=”_blank” rel=”noopener noreferrer
  19. https://mobility.tamu.edu/texas-most-congested-roadways/
  20. https://static.tti.tamu.edu/tti.tamu.edu/documents/mobility-report-2019.pdf
  21. https://www-fars.nhtsa.dot.gov/States/StatesCrashesAndAllVictims.aspx
  22. https://www.allstate.com/americas-best-drivers/index.htm
  23. https://ride.guru/estimate/502%20Riverwalk,%20San%20Antonio,%20Texas%2078205,%20United%20States/17655%20Henderson%20Pass,%20San%20Antonio,%20Texas%2078232,%20United%20States#fare-comparison
  24. https://www.esurance.com/info/car/e-star-direct-repair-program
  25. https://www.usclimatedata.com/climate/san-antonio/texas/united-states/ustx1200
  26. http://www.city-data.com/city/San-Antonio-Texas.html
  27. https://www.tripsavvy.com/san-antonio-guide-to-public-transportation-4768204
  28. https://app.parkmobile.io/search/san-antonio-tx-usa-parking
  29. https://www.sanantonio.gov/CCDO/parking/parkingpaystations
  30. https://www.plugshare.com/directory/us/texas/san-antonio-new-braunfels
  31. https://www.epa.gov/outdoor-air-quality-data/air-quality-index-report
  32. https://www.military.com/base-guide/joint-base-san-antonio
  33. https://www.nsford.com/blogs/2500/2018-ford-models/odd-texas-vehicle-traffic-laws-you-never-knew-existed/
  34. https://www.lifestorage.com/blog/moving/moving-to-san-antonio/
  35. http://sanantonio.culturemap.com/news/city-life/04-22-16-income-salary-needed-to-live-in-san-antonio/
  36. http://sanantonio.culturemap.com/news/city-life/06-14-19-worlds-most-traffic-congested-cities-tomtom-index/
  37. https://www.salary.com/research/cost-of-living/san-antonio-tx
  38. https://www.accuweather.com/en/us/san-antonio-tx/78205/snow-day-weather/351198

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