Auto insurance in San Antonio
From Loop 1604 commutes to teen drivers in Stone Oak, we compare carriers so your family pays for the coverage you actually use.
How we approach auto coverage
Texas requires 30/60/25 liability coverage, but a single fender-bender on I-10 can cost more than those limits. We start with how you drive: the miles you put on each week, who shares the car, where it parks overnight and whether a new driver just got a permit.
Because we are independent, we quote the same drivers and vehicles with several carriers side by side. You see the price difference for higher liability limits, a lower deductible or rental reimbursement before you decide, explained in English or Spanish.
- One agent for every car in the household
- Claims help when the carrier is slow to call back
- Annual re-shop when your renewal jumps
- Bilingual service for every driver in the family
What's included
Core protections and the options our agents most often recommend. Exact coverage depends on the carrier and your policy terms.
Liability protection
Bodily injury and property damage limits well above the Texas minimum, sized to protect your home and savings.
Uninsured motorist
Roughly 1 in 8 Texas drivers is uninsured. UM/UIM covers your injuries and car when they cannot pay.
Collision and comprehensive
Repairs after a crash, hail, theft, flood water or a deer on a Hill Country back road.
Personal injury protection
Medical bills and lost wages for you and your passengers, no matter who caused the accident.
Rental and roadside
A rental car while yours is in the shop, plus towing, jump starts and lockout help.
Teen and new drivers
Good student and driver training discounts, and help comparing adding a teen versus a separate policy.
How getting covered works
- 1
Tell us about your drivers
Names, license dates and vehicles. Five minutes online or on the phone.
- 2
We shop the carriers
Your agent compares liability, deductibles and discounts across our carrier list.
- 3
Review options together
A side-by-side of two or three quotes, with the tradeoffs spelled out.
- 4
Start coverage and get ID cards
Sign electronically, and we send digital ID cards the same day.
What affects your price
Carriers weigh these factors differently, which is exactly why comparing several of them pays off.
- Driving record
- Accidents and tickets from the past 3 to 5 years raise rates the most.
- ZIP code
- Theft, hail and crash frequency differ between 78209 and 78245.
- Vehicle
- Repair costs and safety ratings for your make, model and year.
- Coverage choices
- Liability limits, deductibles and add-ons like rental reimbursement.
- Credit-based insurance score
- Allowed in Texas and used by most carriers when rating.
Auto insurance questions
More answers on our FAQ page.
Texas requires 30/60/25: $30,000 per injured person, $60,000 per accident for injuries and $25,000 for property damage. We usually recommend at least 100/300/100 for families with a home or savings to protect.
Hail is covered under comprehensive, which most people call part of full coverage. Your comprehensive deductible applies, so we look at whether a lower deductible is worth it in hail-prone ZIP codes.
Adding a teen always raises the price, but good student, driver education and telematics discounts can soften it. We quote both adding them to your policy and assigning them to the oldest vehicle.
Yes. Several of our carriers file SR-22 certificates with Texas DPS. See our SR-22 and high-risk auto page for details.
Often paired with auto
Home insurance
Dwelling, belongings and liability, with roof, hail and wind deductibles explained plainly.
View coverage
Umbrella insurance
Extra liability protection above your auto and home limits, from $1 million.
View coverage
Commercial auto insurance
Liability and physical damage for vehicles used for work, from one truck to a small fleet.
View coverageCompare auto quotes today
Real agents in San Antonio, answers in English or Spanish, and no obligation to switch.
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