San Antonio, TX Car Insurance (All You Need to Know)

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SAN ANTONIOSTATISTIC
City Population1,409,019
City Density3,710 people per square mile
Average Cost of Insurance$5,579.30
Cheapest Car Insurance CompanyState Farm
Road ConditionsPoor: 29%
Mediocre: 31%
Fair: 11%
Good: 29%

Welcome to San Antonio, the River City, the Alamo City, the city of Saint Anthony of Padua.

San Antonio is home to a lot.

To the first air-conditioned high-rise building — the 21-story Milam Building downtown — as well as the first air-conditioned bank, hotel, and Catholic Church. (Which is good news, since the city has average high temperatures in the 80s or 90s beginning in April and running through October.)

To the most tamales made in a 12-hour period, according to the Guinness Book of World Records, because a local high school made 17,106 tamales in just 10 hours.

To a world-class art museum — the San Antonio Museum of Art — housed in a former brewery. The old Lone Star Brewery built in 1884 in fact.

To the San Antonio Mission, the only UNESCO World Heritage Site in Texas. To Church’s Chicken. To the country’s first all-digital library (the Bexar County BiblioTech). And to the largest Mexican market outside of Mexico.

What we’re trying to say: there’s a lot to love about San Antonio. Hay mucho que amar de San Antonio.

Yes, San Antonio has something for seemingly everyone. From avid shoppers to avid outdoor adventurers, from art lovers to food lovers to just, well, lovers.

Whether you’re a long-time resident or new to the River City, we’ve created this guide to help you navigate car insurance in the great and growing metropolis of San Antonio, Texas.

Ready to compare car insurance rates? Just enter your ZIP code above to get started.

Table of Contents

The Cost of Car Insurance in San Antonio

We believe San Antonio is a great place to live. That’s in large part why it’s one of America’s largest metros — the 7th largest city in the United States, in fact, and growing quickly.

Now let’s learn more about buying car insurance in the Alamo City.

– Male vs. Female vs Age

You might be wondering: do men and women pay different amounts for car insurance based on their gender?

In most places, men will pay more than women, especially teenage men, who can pay substantially more than their female peers.

Luckily, beyond the teenage years, your age and marital status have a far larger effect on your car insurance premiums. DataUSA reports that the median age of San Antonians is 33.6 years old.

The table below provides the average car insurance premiums for San Antonio residents of various genders, ages, and marital status.

DemographicAverage Rate
Single 17-year old female$7,357.71
Single 17-year old male$8,766.04
Single 25-year old female$3,184.53
Single 25-year old male$3,366.52
Married 35-year old female$2,595.63
Married 35-year old male$2,670.77
Married 60-year old female$2,434.52
Married 60-year old male$2,572.33
Average$4,118.50

You might be surprised to learn: where you live in San Antonio might mean you pay more or less than other city residents. Let’s take a look at the city’s cheapest and most expensive rates by ZIP code.

– Cheapest ZIP Codes in San Antonio

Through our research, we have found that your car insurance premium can vary not only by what city you call home but also by what part of that city your home is in.

And you should know: San Antonio is huge by not only population, but also size. In land area, it’s twice the size of Chicago.

San Antonio proper alone has 63 ZIP codes representing distinct neighborhoods of the city.

Want the cheapest average car insurance premiums in San Antonio? Then you should look for a home in 78266, which has average yearly premiums of $5,579.30. This area of northeast San Antonio includes the neighborhoods of Garden Ridge and Bracken. Oh, and the beautiful Natural Bridge Caverns.

The table below shows you the average car insurance premiums for San Antonio by ZIP code.

ZIP CodeAverage Rate
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

So who do San Antonians say is the best car insurance company in the City of the Alamo?

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

San Antonians might say the San Antonio Spurs are the best team in the NBA.

And they might be right. The Spurs have taken home five championships: 1999, 2003, 2005, 2007 and 2014.

Their fans, as you might expect, can be extremely loyal.

But who do residents in Carol Burnett’s hometown say is the best car insurance company?

Well, it depends, quite frankly.

Who the best car insurance company is largely depends on what you want and need from your insurer, and what kind of company you want to do business with.

When shopping for car insurance, the key issues you need to prioritize include:

  • The level of insurance coverage you need,
  • The amount of money you can afford to pay for your car insurance premium, and
  • The type of insurance company you want to do business with.

Let’s cover some of the factors that can help you figure out the best San Antonio car insurance company for you, your family and your vehicles.

– Cheapest Car Insurance Rates by Company

We know you want a great deal, but is the cheapest car insurance company the best car insurance company for you?

Not always, but that doesn’t mean an affordable provider is a bad provider either. Again, it depends on a number of factors, many of which we’ll cover below.

In San Antonio, State Farm is likely to be your cheapest car insurance provider — unless you’re one of the city’s many military service members who qualify for USAA insurance.

The table below offers the average premiums for San Antonios’s seven biggest car insurance companies.

CompanyAverage Rate
USAA$2,643.36
State Farm$3,195.91
GEICO$3,662.45
Nationwide$3,746.50
Progressive$4,645.32
American Family$5,302.49
Allstate$5,633.51

When researching car insurance providers, make sure to ask about discounts, incentives or promotions many companies offer to save you money.

As we’ve said, San Antonio is big. Let’s take a look at how your commute distance can affect your car insurance rates in the River City.

– Best Car Insurance for Commute Rates

Despite the sprawl of their city, San Antonians have an average one-way commute of 23.6 minutes, just below the national average of 25.5 minutes.

So it’s important to ask: how far do you drive to work each day?

The length of your daily commute can affect your car insurance premium.

But no matter your commute, State Farm will probably be the most affordable car insurance provider for you in San Antonio.

The table below provides average premiums for San Antonio’s top insurers based on both a 10- and 25-mile average commute.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
USAA$2,609.76$2,676.96$2,643.36
State Farm$3,195.91$3,195.91$3,195.91
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
American Family$5,302.49$5,302.49$5,302.49
Allstate$5,493.42$5,773.60$5,633.51

But you might be wondering: how much car insurance do I need anyway? Do you need a little or a lot?

These are good questions and definitely something you’ll need to think about as you begin your car insurance research.

– Best Car Insurance for Coverage Level Rates

You’re probably not surprised to learn: the more car insurance you need, the higher your premium will be.

Or at least that’s not surprising since we live under this thing called capitalism.

Whether you need a high, medium, or low level of car insurance, State Farm will still likely be your cheapest provider in the grand city of San Antonio.

The table below provides average rates for San Antonio’s biggest car insurers by coverage level, including high, medium, and low coverage.

CompanyHighLowMediumAverage
USAA$2,767.27$2,533.23$2,629.58$2,643.36
State Farm$3,400.45$3,006.45$3,180.82$3,195.91
GEICO$3,949.03$3,434.41$3,603.90$3,662.45
Nationwide$3,639.77$4,012.56$3,587.17$3,746.50
Progressive$4,908.12$4,405.35$4,622.48$4,645.32
American Family$5,896.12$4,911.90$5,099.44$5,302.49
Allstate$5,819.82$5,498.03$5,582.68$5,633.51

So, what’s your credit score?

Wait, you might be wondering, why are we asking?

Because your credit history is one of the key factors car insurance companies will use to determine your car insurance premium.

– Best Car Insurance for Credit History Rates

It’s true: our credit history affects so many parts of our lives.

From buying a home to even, in some cases, getting a job, credit histories follow us every day. And our car insurance premiums are not free from their effect, either.

This short video offers a great explanation as to how and why credit scores help determine car insurance premiums.

According to financial experts lendedu, San Antonians have an average Vantage credit score of 648, below both the national average of 673 and Texa’s state average of 656.

If you have poor credit in San Antonio, for instance, Nationwide may be an even more affordable car insurer for you over State Farm. If you have good credit, be sure to check out GEICO.

The table below offers average premiums in San Antonio for those with good, fair, and poor credit histories.

CompanyGoodFairPoorAverage
USAA$1,822.06$2,254.29$3,853.74$2,643.36
State Farm$2,251.55$2,819.79$4,516.38$3,195.91
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
American Family$4,046.98$4,602.45$7,258.04$5,302.49
Allstate$4,496.98$5,247.88$7,155.67$5,633.51

You’re probably not surprised to learn that your driving record affects your car insurance premiums even more than your credit history.

And it’s a factor that worries a lot of folks, so let’s take a look at some information for San Antonian drivers of various driving histories.

– Best Car Insurance for Driving Record Rates

Most of us don’t have spotless driving records. For instance, you might be like Seinfeld’s Newman and have a speeding ticket in your past.

But did you know: not all violations affect your car insurance premium in the same way?

Our research shows that San Antonians with an accident in their past, for instance, might find Nationwide to be their cheapest car insurance option. Those with a DUI should definitely check out GEICO.

The following table provides the average rates for drivers of various histories in the beautiful river city of San Antonio.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
USAA$1,963.59$2,254.87$2,920.63$3,434.36$2,772.86
State Farm$2,832.14$2,832.14$3,257.97$3,861.39$3,317.17
GEICO$3,103.47$4,011.58$4,110.16$3,424.57$3,546.07
Nationwide$3,253.11$3,671.31$3,253.11$4,808.46$3,771.56
Progressive$4,048.78$4,557.24$5,244.19$4,731.06$4,674.68
American Family$4,827.11$4,827.11$6,159.38$5,396.36$5,460.95
Allstate$4,348.10$4,348.10$6,772.21$7,065.63$6,061.98

Did you know that even if you’ve had a speeding ticket, accident, or DUI, a driving course can often help negate increases in your car insurance premiums?

Make sure to look for defensive driving, advanced driving and DUI awareness courses. And check with your insurance company to see what they consider to be important in a driving course.

But what if your driving record makes it impossible for you to find car insurance you can afford?

Please know: you’re not alone.

The Insurance Information Institute provides this helpful guide to help you explore your options, many of which are public and backed by the state.

Factors such as a city’s growth, prosperity and poverty rates can also affect your car insurance premiums in that region.

Let’s take a look at some of these specific factors that can affect how much you end up paying for car insurance in San Antonio.

– Car Insurance Factors in San Antonio

San Antonio is growing, and growing fast.

And as the River City continues to grow, it’s is forging forward into the future.

In the sections below we’ll cover some of the factors of this growth.

These factors can affect your car insurance premiums in surprising ways, so it’s important to know about changing demographics in beautiful San Antonio.

– Metro Report – Growth & Prosperity

San Antonio is currently seeing a steady, sustainable rate of growth and prosperity, according to The Brookings Institute.

Though productivity and standard of living are categories where the city has seen recent losses, most other growth and prosperity factors are growing, including wages and number of jobs.

The figures below reflect Brookings’ most recent findings on issues of both growth and prosperity in the San Antonio-New Braunfels, TX metropolitan statistical area.

Growth

  • Jobs: +2.0 percent (28th of 100)
  • Gross metropolitan product (GMP): +0.7 percent (85th of 100)
  • Jobs at young firms: +3.1 percent (56th of 100)

Prosperity

  • Productivity: -1.3 percent (97th of 100)
  • Standard of living: -1.2 percent (98th of 100)
  • Average annual wage: +0.8 percent (62nd of 100)

– Median Household Income

Though San Antonians have a lower median household income than the national average, their incomes are growing.

According to DataUSA, “households in San Antonio, TX have a median annual income of $50,044, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $49,268 in 2016, which represents a 1.58 percent annual growth.

With an average annual car insurance premium of  $5,579.30, residents of San Antonio spend an average of 11.14 percent of their annual income on car insurance.

Use the handy calculator below to see what percent of your income could go to car insurance.

CalculatorPro

– Homeownership in San Antonio

According to DataUSA, “in 2017, the median property value in San Antonio, TX grew to to $148,200 from the previous year’s value of $133,900.”

The organization also reports that in 2017, 54.8 percent of housing units were owner-occupied, lower than the national average of 63.9 percent.

As you can see in the video below, San Antonio has a lot of really hip housing options. Like these found right on the River Walk downtown.

– Education in San Antonio

San Antonio’s student population is growing on, or above, pace with its general population.

According to DataUSA, “In 2016, universities in San Antonio, TX awarded 29,112 degrees.”

The River City is home to many fine institutions of higher education, including private and public. These include:

  • Alamo Community College District
  • Baptist University of the Américas
  • Cancer Therapy & Research Center
  • Oblate School of Theology
  • Our Lady of the Lake University
  • St. Mary’s University
  • St. Mary’s University School of Law
  • Texas A&M University–San Antonio
  • Trinity University
  • University of Texas at San Antonio
  • University of Texas Health Science Center at San Antonio
  • University of the Incarnate Word
  • Wayland Baptist University

The biggest university in San Antonio is the highly-ranked University of Texas at San Antonio.

– Wage by Race & Ethnicity in Common Jobs

Unfortunately, wages by race and ethnicity are not tracked on the city level for San Antonio.

DataUSA, however, explains that “in 2017 the highest paid race/ethnicity of Texas workers was Asian. These workers were paid 1.26 times more than White workers, who made the second highest salary of any race/ethnicity.”

The most common job types in Texas, they also report, are miscellaneous managers; driver/sales workers and truck drivers; elementary and middle school teachers; retail salespersons; and cashiers.

– Wage by Gender in Common Jobs

Though wages by gender are not tracked on the city level for San Antonio, DataUSA explains that, frustratingly, “in 2017, full-time male employees in Texas made 1.4 times more than female employees.”

– Poverty by Age and Gender

Whereas the national average of people living in poverty is 13.4 percent, San Antonio has an above-average poverty rate of 18.6 percent.

Women ages 25-34 make up a disproportionate amount of the people living below the poverty line in San Antonio, DataUSA explains.

– Poverty by Race & Ethnicity

According to DataUSA, “the most common racial or ethnic group living below the poverty line in San Antonio, TX is White, followed by Hispanic and Black.”

Driving in San Antonio

In many ways, San Antonio is the epitome of an American city.

It has one foot planted in the past — Remember the Alamo! — and one foot forging ahead into the future.

Driving here, as the video below shows, gives you a distinct feeling of this old meets new American attitude that makes San Antonio so unique.

But did you know that a city’s road conditions, level of traffic congestion, and unique driving laws can all affect your car insurance premiums?

In the sections below, we’ll provide you with some of the best information about driving safely in San Antonio.

You can start your search for car insurance in the Alamo City today simply by entering your ZIP code below.

– Roads in San Antonio

Though they have a below-average commute, San Antonians don’t have the best roads to drive on. Our research shows that 60 percent of the city’s roads are in poor or mediocre condition.

Let’s look more deeply into the River City’s roadways.

– Major Highways in San Antonio

San Antonio is certainly a hub of major highways, with two giant loops circling the sprawling city and a number of major interstates and state highways.

These roadways include:

  • Interstate 10
  • Interstate 35
  • US 87
  • US 90
  • Texas 151
  • Texas 130
  • Loop 1604

The map below shows just how many major roadways converge in this Texas-size city.

San Antonio Map

Lucky for San Antonians, no toll roads exist in or near the city.

For a look at Texas’ toll roads and bridges, however, check out this cool map from the Texas Department of Transportation.

– Popular Road Trips/Sites

You might be wondering: what is there to do in San Antonio, Texas?

The short answer: a lot.

Visit San Antonio offers a great online guide for navigating the city’s must-see attractions.

Of course, you’ll want to check out the city’s top destinations.

The River Walk is a central, and gorgeous, place to stroll, to shop, to dance, to listen to music and to eat eat eat.

The Alamo is perhaps the most famous of San Antonio buildings. Though of course it’s much more than just a building — it’s the site of one of the nation’s most famous military stand-offs.

Not surprisingly, San Antonio is home to a load of arts and culture for everyone. From the Witte Museum to the world-famous Majestic Theater, you’ll never be at a loss for something to do in San Antonio.

– Does San Antonio use speeding or red light cameras?

Lucky for San Antonians, the city does not use speeding or red light cameras.

The State of Texas recently banned their use, in fact.

But you might still be wondering: what is the driving culture in San Antonio, Texas, like anyway?

Read on to find out.

– Vehicles in San Antonio

If you call San Antonio home, chances are you live in a 2-car household, have a commute of 23.6 minutes each way, and drive alone to work.

In the sections below, we’ll look at the particulars of the Alamo City’s car culture.

– How many cars per household

According to YourMechanic, the Chevrolet Suburban 1500 is San Antonio’s most popular car model.

Around 40.1 percent of San Antonio’s households own two vehicles, according to DataUSA. 23.3 percent of the city’s households own one vehicle, and 20.6 percent own three.

– Households without a Car

Around 3.43 percent of San Antonio households don’t have a vehicle, according to DataUSA.

– Speed traps in San Antonio

Not surprising given its sprawl and congestion, residents report that San Antonio is home to some of the worst speed traps in the state of Texas.

Many of these speedtraps lie along the busy Interstate 10 and Intersate 35 corridors.

But what is a speed trap in the first place? Check out the short video below to find out more.

Speedtrap or no speedtrap, it’s always important to drive at a safe and legal speed.

Follow posted speed limits to keep you and your family safe, and your car insurance premiums affordable.

– Vehicle Theft in San Antonio

In 2017, The Federal Bureau of Investigation reported that 6,864 vehicles were stolen in the city of San Antonio. Houston and Dallas, respectively, lead the State of Texas in vehicle thefts, however.

According to NeighborhoodScout, crime is particularly high in San Antonio, unfortunately.

San Antonio is safer than only 4 percent of other cities in the United States. The River City has a violent crime rate of 7.14 per 1,000 residents, higher than both Texas and national averages.

But what’s the traffic situation like in San Antonio?

– Traffic in San Antonio

As we’ve seen above, San Antonio is at the hub of a congested network of highways. And the Interstate 35 corridor — which runs through Dallas, Austin and San Antonio — is becoming even more congested by the day.

– Traffic Congestion

San Antonio is the 34th most congested city in the United States.

Traffic monitoring agency INRIX reports that folks in this region spend an average of 60 hours or more in congestion per year, with an average financial cost of $832 for each commuter because of traffic congestion.

TomTom explains that drivers face an average congestion level of 17 percent.

This leads to residents spending an extra 11 minutes in congestion during the peak morning commute period, and an extra 15 minutes during the peak evening commute hours.

According to Numbeo, those living in the River City face a traffic index of 132.24, a time index of 29.14 minutes, and an inefficiency index of 128.85.

– Transportation

DataUSA explains that San Antonians face a 23.6-minute one-way commute on average, slightly below the national average of 25.5 minutes.

“Additionally,” they offer, “1.92 percent of the workforce in San Antonio, TX have ‘super commutes’ in excess of 90 minutes.”

They also report that “in 2017, the most common method of travel for workers in San Antonio, TX was Drove Alone (79.3 percent), followed by those who Carpooled (10.5 percent) and those who Worked At Home (4.09 percent).”

– How safe are San Antonio’s streets and roads?

Though the National Highway Traffic Safety Administration doesn’t track city-specific roadway safety statistics, they do provide county-wide statistics for Bexar County, which includes the city of San Antonio.

In 2018, 181 traffic fatalities were reported on the Bexar County’s streets.

The table below provides the number of traffic fatalities in Bexar County from 2014 to 2018.

YearFatalities
2014184
2015189
2016226
2017164
2018181

– Allstate America’s Best Drivers Report

When it comes to “best drivers,” San Antonians could be doing quite a bit better.

According to Allstate America’s Best Drivers Report for 2019, San Antonio ranked as the 138th safest driving city in the United States out of 200 metros.

On average, residents of the city also went around 8.2 years between filing each car insurance claim.

– Ridesharing

According to RideGuru, the following rideshare services are available in the city of San Antonio, Texas:

  • Blacklane
  • Carmel
  • Jayride
  • Lyft
  • SuperShuttle
  • Talixo
  • Traditional taxis
  • Uber

Lyft, Uber and traditional taxis are available to pick you up from or take you to the area’s airports, including San Antonio International Airport (SAT).

– Weather in San Antonio

San Antonio is known for its heat. But increasingly, more and more tornadic activity is hitting the region.

San Antonio gets an average of 32.91 inches of rain a year.

The table below offers some of the city’s annual atmospheric averages.

Atmospheric ConditionAverage
Annual high temperature:79.8°F
Annual low temperature:57.6°F
Average temperature:68.7°F
Average annual rainfall:32.91 inches

You might be wondering: what are the public transportation options in San Antonio?

– Public Transit in San Antonio

VIA Metropolitan Transit is the mass transit agency serving San Antonio, Texas.

With 36.6 million rider trips a year, their system includes:

With fairly affordable fares, you can check out how much your trip will cost through VIA’s comprehensive fare guide.

– Parking in San Antonio

San Antonio’s Center City Development & Operations Department oversees the city’s public parking structures and on-street parking. Use their guide to help find affordable, easy parking near the city’s biggest attractions. (Which will also help you avoid hefty parking tickets.)

– Air Quality in San Antonio

The Environmental Protection Agency (EPA) provides air quality reports for all cities and counties across the nation. The agency designates an area’s air quality as good, moderate, unhealthy for certain groups, unhealthy, and very unhealthy for every day of the year.

Air quality in San Antonio is pretty darn good. In 2018, the EPA designated 354 days as having good or moderate air quality.

The table below shows the number of days in San Antonio with each EPA designation for the years 2016 to 2018.

YearGoodModerateUnhealthy for Sensitive GroupsUnhealthyVery Unhealthy
20182511031010
201726294420
201626892510

Military/Veterans

The home of Joint Base San Antonio, the city of San Antonio is often called “Military City USA.”

According to the U.S. Military News Service, this is for good reason: “San Antonio has been home to a consistent military presence for nearly 300 years and it’s why it’s called ‘Military City USA.’ The city has one of the nation’s largest active and retired military populations.”

According to DataUSA, “San Antonio, TX has a large population of military personnel who served in Gulf War (2001-), 1.06 times greater than any other conflict.”

You should keep in mind that our research shows how many car insurance companies offer discounts to either active or retired military personnel.

These companies include Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Safe Auto, Safeco, State Farm, and The General.

USAA is consistently ranked one of the best auto insurance companies, and they insure only military personnel, active or retired, and their immediate family members. In San Antonio, they consistently provide premiums lower than all other insurers.

Unique City Laws

San Antonio’s Northside Ford provides a great list of odd Texas driving and parking laws. These include:

  1. Parking Brakes Must Be Engaged
  2. No Keys in Ignition when Car is Unattended
  3. Paying a Traffic Ticket is an Admission of Guilt
  4. Surcharges are Not Combined
  5. You Cannot Open Doors While Operating Vehicle
  6. No Operating a Vehicle without Windshield Wipers

And no one is allowed to ride in the back of a pickup truck or trailer. Unless that is, you have a valid hayride permit.

San Antonio Car Insurance FAQs

We hope you now have a good grasp of the types of car insurance options available to you in the beautiful city of San Antonio, Texas, as well as some of the particulars about driving here.

But, we also want to help you make San Antonio feel like home.

Here are some of the questions asked most by new and soon-to-be San Antonians.

– Who handles the utilities in San Antonio?

Most utilities in San Antonio are heavily-regulated and thus, monopolized.

CPS Energy provides the city with electric service.

San Antonio Water Systems is the only water provider.

This guide to other utilities in the city will help you find a variety of trash and internet providers.

– What are the state minimums for car insurance in Texas?

Texas requires drivers to have car insurance that meets or exceeds the following minimum coverage levels:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
  • $25,000 for property damage per accident you cause.

– What are the teenage driving laws in Texas?

According to AAA, there are three types of licenses for teens in the State of Texas:

LEARNER LICENSE
At age 15, teens can apply for a learner license in the state of Texas.

To do so, both teen and parent must visit their local driver exam office, bring a state-certified copy of the teen’s birth certificate, or a valid United States passport, and show proof of Social Security number, name and age. Acceptable documents showing full name and date of birth include certificates of birth, passports, military IDs and Immigration and Naturalization Service documents.

Teens must pass a written driver’s knowledge test, a sign recognition test and a vision test to receive a learner license. In addition, the teen must be enrolled in driver education.

With a learner license, teens may only drive with a licensed driver age 21 or older supervising and sitting in the front seat. Teens are required to practice driving for at least 30 hours, including 10 hours at night, with a parent or a legal guardian, before they’re allowed a provisional license.

PROVISIONAL LICENSE
When teens turn 16, and have had a learner license for at least six months and have completed 30 hours of practice driving (including 10 hours at night), they can apply for this provisional license.

They also must pass a behind-the-wheel driving test and complete a state-certified driver’s education course and possess the classroom and behind the wheel certificates. Legal guardians must accompany their teens to the appropriate agency to sign the application form.

A teen with a provisional license is allowed to drive alone but must follow certain restrictions. They may transport no more than one person under age 21 who is not a family member.

With a provisional license, they may drive between midnight and 5 a.m. only when accompanied by a licensed parent or guardian unless driving to/from employment, driving to/from a school-authorized activity or for a medical emergency.

Teens under age 18 may not use electronic communications devices while driving and all passengers are required to wear seat belts. Additionally, all teen drivers under age 21 are required to abide by Texas’ ZERO tolerance law which prohibits any measurable amount of alcohol in their bloodstream.

FULL LICENSE
At age 18 teens who have successfully completed the provisional license phase are eligible for an unrestricted license. All original licenses, other than a learner license, issued to persons under 18 years of age will be marked “Provisional.”

The license will be vertical and will be dated to expire on the applicant’s 18th birthday or next birthday occurring after the date of issuance.

A parent-teen driving agreement can help you enforce licensing rules that the state and your family set. An agreement helps you and your teen understand the rules of the road and sends a clear message that driving is an earned privilege that your family takes seriously.

– What’s the sales tax like in San Antonio?

The combined sales tax rate for San Antonio is 8.25 percent. This is the total of state, county and city sales tax rates. The Texas state sales tax rate is currently 6.25 percent. The Bexar County sales tax rate is 0 percent. The City of San Antonio adds 2 percent.

– Where is the airport?

San Antonio and the surrounding region is primarily serviced by San Antonio International Airport (SAT), which is located at 9800 Airport Blvd, San Antonio, TX 78216.

– How many people live in the great San Antonio area?

The metropolitan statistical area (MSA) of San Antonio–New Braunfels is an eight-county metropolitan area in the U.S. state of Texas defined by the Office of Management and Budget.

Approximately 2.195 million people call it home.

– Is there really anything to do in San Antonio?

From fine, eclectic cuisine (especially Tex-Mex) to world-class art and theater to historic site after historic site, San Antonio has a lot to offer for a weekend (or a lifetime).

Just check out the video below for some of the hotspots — especially edible ones — not to be missed.

Now that you understand the basics of driving, living, and working in the City of San Antonio, the River City, the Alamo City or the city of Saint Anthony of Padua, it’s time to put your knowledge to work by getting the best deal on your car insurance.

We know researching and buying car insurance is no simple task, but by carrying some basic knowledge with you, you are better equipped to handle the challenges it brings.

And that’s why we created this guide: to help you obtain that basic knowledge for the City of San Antonio.

What part of this San Antonio car insurance guide was the most helpful?

Was there something we could explain better? Please, let us know.

To get started on finding the best car insurance rates in San Antonio, Texas, for you and your family, just enter your ZIP code below.

References:

  1. https://www.samuseum.org/
  2. https://bexarbibliotech.org/
  3. https://datausa.io/profile/geo/san-antonio-tx/
  4. https://lendedu.com/blog/ranking-texas-towns-cities-credit-score/
  5. https://www.iii.org/article/what-if-i-cant-find-auto-coverage
  6. https://www.brookings.edu/research/metro-monitor-2019-inclusion-remains-elusive-amid-widespread-metro-growth-and-rising-prosperity/
  7. https://datausa.io/profile/geo/san-antonio-tx/#income
  8. https://datausa.io/profile/geo/san-antonio-tx/#property_value
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  10. https://datausa.io/profile/geo/san-antonio-tx/#income_ethnicity
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  12. https://datausa.io/profile/geo/san-antonio-tx/#poverty_age_gender
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  15. http://trendmag2.trendoffset.com/publication/?i=595707#{%22issue_id%22:595707,%22page%22:0}
  16. https://www.visitsanantonio.com/river-walk/
  17. https://www.visitsanantonio.com/the-alamo/
  18. https://www.visitsanantonio.com/category/arts-culture/
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  20. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
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  30. https://ride.guru/cities/san-antonio-texas-united-states-of-america
  31. https://www.viainfo.net/
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  34. https://www.viainfo.net/vanpool-service/
  35. https://www.viainfo.net/newsroom/
  36. https://www.viainfo.net/primo_service/
  37. https://www.viainfo.net/rates/
  38. https://www.sanantonio.gov/ccdo/parking
  39. https://www.epa.gov/outdoor-air-quality-data/about-air-data-reports
  40. https://www.jbsa.mil/News/News/Article/1992625/celebrate-americas-military-honors-military-city-usa/
  41. https://datausa.io/profile/geo/san-antonio-tx/#veterans
  42. https://www.nsford.com/blogs/2500/2018-ford-models/odd-texas-vehicle-traffic-laws-you-never-knew-existed/
  43. https://www.cpsenergy.com/en.html
  44. https://www.saws.org/
  45. https://www.ghsanantonio.com/san-antonio-utility-companies/

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