San Antonio may offer stunning views and a good time on the River Walk, but driving here is not without its risks. Here’s what makes having car insurance in San Antonio a must have:

• Busy Highways and Traffic: Major roadways like the 410 loop and I-10 see heavy congestion around rush hours for commuters and general construction, increasing the likelihood of accidents.
• Unpredictable Weather: From flash floods to intense summer heat, the elements pose damage risks to your vehicle.
• Tourism: Due to the Alamo and other attractions, drivers who are unfamiliar with San Antonio’s geography increase accident risks.

Texas has set legal requirements for liability coverage. Liability is required when getting your car insured if you are the at fault driver.

Legal minimum requirements include:

• $30,000 per person and $60,000 per accident for bodily injury
• $25,000 per accident for property damage
• $2,500 worth of personal injury protection
• Uninsured/Underinsured Motorist (UM/UIM) Coverage

Policies just include the legal minimum requirements are often referred to as "liability-only." And because these are just the minimums, they may not provide enough coverage for every accident. It's often recommended to increase your minimums to help keep you protected when you're at fault for more serious accidents.

For definitions of these coverages and more information on the state requirements, visit our Texas car insurance page.

Liability-only policies only cover the other party if you’re at fault. To protect yourself and your vehicle, consider adding these coverage options:

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident. Subject to your deductible.
• Comprehensive Coverage: Helps pay for non-collision damages (theft, fire, weather, etc.) to your vehicle caused by a covered incident. Subject to your deductible.
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered incident.
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown.
• Rideshare Coverage: Helpful if you drive for a rideshare service (like Uber or Lyft) with your personal use vehicle. Only applies for situations where you’re on the clock, and has options for liability, collision, comprehensive, and medical payments.

This isn’t a full list of coverage options, and the descriptions are general in nature to help you understand what they offer.

Goosehead agents are trained to help you understand options, and work with you to find coverage that fits your unique needs.

On average, San Antonio drivers who opt for liability-only policies pay around $900 a year. Those with more robust policies pay up to about $3,800 a year.

Ultimately, what someone pays for insurance varies on what they choose to put on their policy as well as some factors such as:

• Age: Younger drivers with less experience have higher risks of accidents, so their premiums tend to be higher.
• Driving Record: Drivers with little to no violations or those who don’t make claims often see lower rates.
• Vehicle Type: Luxury or customized vehicles tend to see higher repair costs, making them more expensive to insure.
• Location: Areas in San Antonio along the San Antonio River and Downtown San Antonio see higher flood risks. Central and North San Antonio also see higher rates of car theft.
• Mileage: San Antonio is a spread out city, and those that drive or commute often for work open themselves up to risks more frequently.
• Credit Score: Insurers can use this as a rating factor.

This may not be every factor that influences your premium, however, they are some of the more commonly known and prevalent rating factors.

Many drivers can qualify for discounts on their premiums. Here’s how:

• Bundle policies: Many carriers offer multi-policy discounts if you bundle your auto insurance with something like home or renters insurance.
• Safe Driver Discounts: Taking defensive driving courses or keeping a violation-free record can qualify you for savings.
• Install Safety Measures: Including anti-theft measures and dash cams can help you save on your premium as well.
• Shop Before Renewal: Goosehead makes it easy to see how your current policy could stack up against other carriers (we work with a lot of them). You may be able to find a better rate.

Goosehead Insurance prioritizes helping San Antono residents find coverage that fits their needs. Here’s why our clients trust us:

• Tailored Policies: Your needs are unique, and Goosehead agents make sure your policy reflects that.
• Competitive Pricing: We’re able to find coverage that works for your budget thanks to our access to top-rated carriers.
• Local Expertise: Our agents are experts of the ins and outs of driving in San Antonio.
• Customer Support: Our team is just a call away whenever you need assistance.