How much is car insurance in San Antonio, TX?

Each state has its own laws with regard to financial responsibility in order to register a vehicle. Texas requires the following:

• Bodily Injury Liability – your responsibility for injury to others in an accident – $30,000 per person and $60,000 per accident.
• Property Damage Liability – your responsibility to others for property damage in an accident – $25,000 per accident

Recommended Levels of Insurance

Even though the above are the legal limits, often state legislatures are behind the times.

In a severe accident a total of $30,000 will hardly pay for the doctor’s bills, hospital bills, and rehabilitation facilities needed to help someone recover from bodily injury.

In our current society, the other party would likely bring suit against you, requiring attorney’s fees and court costs. If the coverage you carry is inadequate, you will end up paying the costs from your current budget and savings. The same applies to property damage.

Suggested Insurance Levels

The following limits are suggested for San Antonio, TX:

• Bodily Injury Liability – $100,000 per person up to $300,000 per accident
• Property Damage Liability – $50,000 per accident
• Medical Payments Coverage – pays for bodily injury to you or your family on an emergency basis – $10,000
• Uninsured Motorists Coverage – $100,000 per person/$300,000 per accident bodily injury if you are involved in an accident with a person who has no insurance.

Damage to your own Property

Liability coverage does not cover your car. To do that, you will have to purchase property damage coverage. There are two components to this coverage:

• Comprehensive – pays for vandalism, theft, animal damage, glass, fire, and weather. A $500 deductible per accident is usual.
• Collision – pays for collision damage to your car whether the collision is your fault or not. A $500 deductible per accident is usual.

Estimated Insurance Costs for a 6 Month Policy

Insurance Company #1: $1,352.00 for six months

Insurance Company #2: $435.00 for six months

More About San Antonio, TX

San Antonio, home of the famed Alamo, one of five Catholic Missions established by Franciscan priests when they entered the area is a town of 1.3 million people. There are many universities there, including the University of Texas.

The U.S. military has a definite presence with Ft. Sam Houston, Lackland Air Force Base, and Randall Air Force Base in the city. Its rich and varied history is reflected not only by the Alamo but also by the River Walk along the San Antonio River that showcases the arts, cuisine, and culture of the area.

Please be sure to obtain a valid quote for yourself and your circumstances before committing to purchase auto insurance, but compare – rates vary.