Car Insurance in San Antonio

Minimum Car Insurance Requirements in San Antonio

In Texas, you must prove that you can pay for someone else’s medical bills and property damage if you cause a car accident. Most drivers in San Antonio do this by purchasing liability insurance. Texas requires that you have 30/60/25 in minimum coverages. This means that for car insurance in San Antonio TX, insurance requirements include at least:²

• Bodily injury liability: $30,000 per person, $60,000 per accident
• Property damage liability: $25,000 per accident

What Is the Average Cost of Car Insurance in San Antonio, TX?

Car insurance rates in San Antonio cost $1,857 annually or $155 monthly for full coverage.³ Your rate may vary based on many factors, like your driving history and the type of car you drive.

Other Types of San Antonio Auto Insurance Coverage

• Comprehensive car insurance: Also known as “other than collision” coverage, this can help pay for damage caused to your car by hail, theft, fire or hitting an animal.
• Collision coverage: This coverage will help you pay for damage from things like a collision with another vehicle or an accident that involves only your car. It will also help cover someone crashing into your parked car or an accident in a car you’ve rented.
• Emergency Roadside Assistance: If you break down and your car needs to be towed, this coverage can help. We can also bring you gas if your tank is empty or send someone out to help with a repair, like a battery replacement.
• Increased Rental Car Reimbursement coverage: If you’re in an accident and your car is no longer drivable, this coverage will help pay for a rental car.
• Medical Payments coverage: If you’re in an accident, this coverage can help pay medical expenses for you and your passengers. It can help pay for things like doctor’s visits, ambulance fees and dental procedures.
• Underinsured/Uninsured Motorist coverage: These coverages can help pay for expenses if you’re in an accident with someone who has no, or not enough, car insurance.
• Uninsured Motorist Property Damage (UMPD) coverage: This coverage can help cover costs to repair your vehicle or damages to your home or other property. The state of Texas requires drivers who have this coverage to carry a $250 deductible. If you have UMPD coverage and you’re involved in an accident or hit and run with an uninsured driver, you may choose either collision or UMPD coverage, if applicable, to help pay for damages. In some cases, having the option to choose between the two coverages will equate to a lower deductible owed if your collision deductible is greater than $250.

Benefits of AARP Car Insurance for San Antonio Drivers

• New Car Replacement: If you total your new car, your policy will help pay to replace it. We’ll make sure your car is replaced with a new vehicle of the same make, model and equipment. There will be no deduction for depreciation.^§§
• Accident Forgiveness: We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.^‡
• Disappearing Deductible: Your collision deductible could be reduced over time, in most states, as long as you maintain a clean driving record.^‡
• 24/7 Claim Service: Accidents can happen at any time. That’s why we’re here whenever you need us. Call us at 800-243-5860 and we’ll help with your claim.

Discounts on AARP Car Insurance in San Antonio, TX

• Completing an approved defensive driving course.
• Bundling your home and auto coverage with the AARP Auto and Home Insurance Program from The Hartford. This could help you save up to 5% on your auto insurance and up to a 20% on your home, condo or renters insurance.**
• Paying your premium in full.

Common San Antonio Car Insurance Questions

How Much Is Car Insurance in San Antonio Compared To Other Texas Cities?

Do I Need Proof of Auto Insurance in San Antonio, TX?

Get Free Car Insurance Quotes for San Antonio, TX From The Hartford