San Antonio, TX Car Insurance Guide (Comprehensive)
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UPDATED: Oct 4, 2020
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|San Antonio Statistics||Details|
|City Density||3,710 people per square mile|
|Average Cost of Car Insurance||$6,069.95|
|Cheapest Car Insurance Provider||USAA|
|Road Conditions||Poor Share – 29%
Mediocre Share – 31%
Fair Share – 11%
Good Share – 29%
Vehicle Operating Costs – $710
From the Alamo to the Missions National Park, San Antonio has a rich history that dates back to the 18th century.
This terrain was part of both the Spanish and Mexican Empires before becoming a part of America, and San Antonio was the first chartered civil settlement in present-day Texas. That makes Mission City one of the oldest municipalities not only in the Lone Star State but in the entire country.
San Antonio has come a long way since its storied past and now operates as a bustling metropolis that is full of culture. As the second-largest city in Texas (after Houston) and seventh-most populated in the United States, San Antonio has an eclectic group of residents that are proud to call this place home.
If you live in San Antonio, you probably drive, as this is the most common form of transportation in the city. And if you drive, you need to know about the rules of the road and you need to have car insurance. That’s why we’ve put together this guide; we’re going to break down all the most important information related to driving (legally and safely) and purchasing car insurance in San Antonio.
Shopping for insurance can be complicated and time-consuming, but we’ve gathered everything you need to know in one place to make the whole process much simpler. You can use our free quote comparison tool to find the best insurance rates in San Antonio.
The Cost of Car Insurance in San Antonio
It’s easy to get lost in a whirlwind of information when shopping for car insurance. You might come across a blog post that links you to a different page, and then that article promises to have the material you need but it ends up directing you somewhere else.
What you pay for car insurance is based largely on where you live, but it can be difficult to find reliable information on your own. You can spend an afternoon googling the cost of car insurance and be directed everywhere except the city you’re trying to find…like San Antonio, for example.
If you’re a Mission City resident wondering about car insurance, look no further. This article contains detailed information on the cost of car insurance in San Antonio, the best companies doing business in the city, and the factors that determine individual rates.
Keep reading as we break it all down.
Does gender and age affect my car insurance in San Antonio?
Demographic factors like gender, age, and marital status can actually impact your car insurance rates. Auto insurance companies are in the business of risk assessment and keeping track of these details can help determine how expensive each driver might be to insure.
In order to get an understanding of how insurance providers come up with averages for premiums, it’s necessary to understand the demographic makeup of the city of San Antonio.
DataUSA reports that Mission City has a median age of 33.7, which is a relatively common age to be married. On average, married drivers pay less for their auto insurance policies because making this sort of lifelong commitment indicates stability.
This is one of many determining factors built into the “big picture” of auto insurance in San Antonio. For more detailed information on what San Antonians pay by age on average, take a look at the auto insurance prices for San Antonio, Texas, residents.
|Age||Average Annual Rate|
You don’t need to be a mathematical genius to see the positive effect growing older has on the cost of car insurance. Each successive age group sees a break in prices, with the biggest jump coming between the time a person gets their license and their 25th birthday. San Antonians pay $4,786.35 less on average for car insurance at this age compared to when they first start driving at 17.
Another important determining factor that impacts your car insurance is your gender. Take a look at the following table to see the difference in rates between male and female residents in the city of San Antonio.
|Demographic||Average Annual Rate|
|Married 60-year-old female||$2,434.52|
|Married 60-year-old male||$2,572.33|
|Married 35-year-old female||$2,595.63|
|Married 35-year-old male||$2,670.77|
|Single 25-year-old female||$3,184.53|
|Single 25-year-old male||$3,366.52|
|Single 17-year-old female||$7,357.71|
|Single 17-year-old male||$8,766.04|
This data shows that females pay less than males in every age bracket, regardless of marital status. Males are not paying a great deal more than their female counterparts, though, with the exception of teenage drivers. Single, 17-year-old males are paying $1,408.33 more than single, 17-year-old females in Mission City.
What are the cheapest ZIP codes in San Antonio?
There are a total of 63 ZIP codes in San Antonio, and every neighborhood is unique.
For example, living near St. Mary’s Strip offers plenty of entertainment, and it also impacts how much you pay for car insurance. In fact, residents of this 78212 neighborhood pay $5,936.12 on average for car insurance, while those who live in the 78225 section of Palm Heights pay $6,135.93.
For the full scope of what residents of each San Antonio ZIP code pay for auto insurance, consult the interactive table below.
|ZIP Code||Average Annual Rate|
As you can see from the data, San Antonians pay anywhere from $5,579.30 to $6,843.52 for car insurance. The cheapest ZIP codes are 78266, 78239, and 78230. One thing all three of these neighborhoods have in common is that they are all in northern parts of the city that tend to be more residential.
What’s the best car insurance company in San Antonio?
We already discussed how finding the right car insurance provider can be an exhausting process. You’re probably looking for the best coverage possible to protect you and your family without breaking the bank. If that’s the case, it’s in your best interest to consider every component of what makes a car insurance company great.
The best auto insurance companies provide an exceptional value, a variety of coverage levels, and will work with you on an individual basis to get you the right plan.
This next section provides detailed information on the best auto insurance providers in San Antonio. We’ll explore the companies that have the cheapest rates, prices that vary by commute, what each company charges at each level of coverage, and how personal credit history and driving record can impact your rate.
Cheapest Car Insurance Rates by Company
A lot of people are interested in the bottom line. They just want to know how much their policy is going to cost and then they go with the cheapest provider. We get it. Purchasing car insurance isn’t as exciting as going to the mall to pick up fashionable threads or the latest tech gadget for the house.
If you’re interested in the cheapest car insurance rates offered by each company in San Antonio, take a look at the following table that provides a clear breakdown of the most affordable rates. These values are organized by gender, age, and marital status.
|Group||Single 17-Year-Old Female||Single 17-Year-Old Male||Single 25-Year-Old Female||Single 25-Year-Old Male||Married 35-Year-Old Female||Married 35-Year-Old Male||Married 60-Year-Old Female||Married 60-Year-Old Male||Average|
After taking a look at each demographic and averaging the prices, it turns out the cheapest car insurance provider available in San Antonio is USAA. However, it is important to note that USAA is only available to military families, so not everyone is eligible for this coverage.
The most affordable provider that is available to everyone in San Antonio is State Farm, which has an average policy of $3,195.91 across all age groups.
That doesn’t mean State Farm is the cheapest provider for everyone, though. For example, Geico’s average policy for single, 17-year-old males is $702.18 less than what State Farm charges.
If getting the cheapest rate possible is important to you, it’s always in your best interest to compare costs from multiple providers. The more, the better.
Best Car Insurance for Commute Rates
Similar to other American cities, San Antonians rely heavily on having a personal vehicle to get to and from their place of work. This looks different for everybody — maybe you live 10 minutes from your job, but your neighbor might have to drive for over an hour to get to theirs.
Auto insurance providers make it a priority to know what the commute is like for each driver they cover. Understanding this information helps them determine the level of risk for these drivers based on how much time is spent on the road and how far they travel each day.
For a detailed look at what San Antonio’s best car insurance companies charge based on different commutes, review the following table.
|Group||10-Mile Commute. |
6,000 Annual Mileage.
|25-Mile Commute. |
12,000 Annual Mileage.
This data tells us that four out of the seven providers have the same pricing, regardless of how far you travel for work each day. The only three providers that change their prices are Allstate, Geico, and USAA. Even then, those who travel farther for work don’t end up paying that much more than those with shorter commutes.
Best Car Insurance for Coverage Level Rates
Everyone has a different priority when thinking about how much coverage they want for their policy. Some folks in San Antonio don’t want to pay that much for insurance, so they get the lowest coverage possible. Others want to make sure they’re covered for any and all possible issues they might run into. These people might not worry that much about paying higher premiums if it means better coverage.
If you’re curious about how much car insurance costs in San Antonio based on coverage level, take a look at the next table.
American Family has the biggest change in price for different coverage levels. If you make the jump from a low coverage policy to a more comprehensive one, you’ll be paying an additional $984.22.
Knowing the level of coverage you need is the next step to getting the right policy. If you need a little assistance with figuring that out, take a look at the following video from Engage Target Media.
With so many different types of coverage, you might find yourself trying to decide between low and medium coverage or medium and high coverage. It’s ultimately up to you and how you prioritize risk, deductibles, and price.
Best Car Insurance for Credit History Rates
You probably heard a lecture at some point in your life about the importance of paying off your credit cards right away. If you haven’t, let us be the first to tell you that you don’t want to carry around unnecessary debt because it impacts your credit score.
Car insurance companies look at the credit history of their customers to determine how much the policies will cost. Drivers with low scores typically pay higher rates, while those with good credit histories will end up getting a better deal.
Let’s consult the following table to see what providers are charging customers in San Antonio based on individual credit scores. The data is broken down into the categories of good, fair, and poor credit, with averages compiled in the far right column.
Allstate and American Family penalize drivers more for having a poor credit history compared to the rest of the list. Therefore, if you have some work to do on your credit score, it might be a good idea to consider another provider. If your credit is in good standing, you can still get good rates from those two companies.
The bottom line is to do your best to get your credit score in great shape before buying a car insurance policy. This will help you get the best deal possible.
Best Car Insurance for Driving Record Rates
Another important factor that car insurance companies look at is your personal driving record.
If you have a driving history that is rife with traffic violations like speeding, that comes up as a red flag in the eyes of a provider. Having a good driving record will help you save money on car insurance.
Take a look at the following table to see what auto insurance providers in San Antonio charge their customers based on driving habits. The data is broken down into those who have a clean record, one moving violation, one accident, and one DUI.
|Group||Clean Record||With One Speeding Violation||With One Accident||With One DUI||Average|
Did you notice how companies respond to a driver who’s had a DUI? This has a big impact on your car insurance policy, even more than a speeding ticket or an accident.
While every provider changes their rate based on driving history, the two most forgiving in San Antonio are Geico and State Farm.
What are some car insurance factors in San Antonio?
Another factor that determines how much you pay for car insurance is what part of the country you live in. Policies change from place to place based on things like the congestion level, condition of the roads, and even the geographical landscape of the city.
The subtropical climate of San Antonio sees 27.9 inches of annual rainfall compared to 61.9 inches in Miami.
That means that San Antonians experience slick roads much less frequently than our friends in South Beach, and we can potentially pay less than them for insurance as a result.
This is the type of thinking that will be examined in the next section. We’ll not only cover geographical factors that have an impact on car insurance rates, but the city’s growth, income levels, homeownership, education, wage and poverty levels, and employment.
All of these points are considered to be car insurance factors for San Antonians, so keep reading to learn how these topics can affect your rate.
San Antonio Metro Report
In the introduction of this article, we mentioned that San Antonio is the second-largest city in the Lone Star State, and the seventh-most populated municipality in the country. These figures place Mission City at number four for growth and 30 for prosperity on the list of the top 100 major American cities over the past 10 years.
These rankings come from the Brookings Metro Report, which also shows the following data pertaining to prosperity for citizens of San Antonio:
- +6.8 percent change in productivity (37 out of 100)
- +5 percent change in the standard of living (40 out of 100)
- +8.4 percent change in average annual wage (23 out of 100)
The same report also found the following information regarding growth for the major metropolitan area of San Antonio-New Braunfels:
- +20.9 percent change in jobs (3 out of 100)
- +29.1 percent change in GMP (9 out of 100)
- +13.7 percent change in jobs at young firms (2 out of 100)
These findings essentially indicate that San Antonio is one of the best cities in the United States when it comes to meaningful growth, especially after ranking number two in the country for a change in jobs at young firms.
However, the prosperity levels of the city have some room for improvement, with productivity ranking at 37 and standard of living at 40. The silver lining here is that both of these categories are still on the right side of the median ranking, which is 50.
Median Household Income in San Antonio
The median household income in Mission City is $49,024, which is less than the national average of $61,937. It also comes in under the Texas state average of $60,629.
There are a number of contributing factors that lead to this figure, the most important of which is the current state of the city’s job market. Before we dive deeper into that information, take a moment to use our intuitive calculator tool below to see what percentage of your household income is spent on auto insurance.
This tool will help you see where you stack up compared to the city’s average.
Homeownership in San Antonio
Homeowners make up 53 percent of the population in San Antonio, giving property owners a slight edge over renters in the city. This is helpful to know because car insurance providers look at whether or not you own property.
In the eyes of a car insurance company, homeowners are considered to be more financially responsible and therefore less risky to insure. Buying property is a major investment, but it could make a significant impact on how much you pay in auto insurance premiums.
We already learned that the average cost of car insurance in San Antonio is $6,069.95. This figure combines costs for homeowners and renters together, so if a greater number of Mission City residents graduate from renting to owning, the city average will likely go down.
For the 53 percent of homeowners in San Antonio, the median property value is $155,600, an increase from the previous year’s median of $148,200. Hopefully, this is a sign of good things to come and property values continue to rise.
Education in San Antonio
San Antonio has a great education system with a total of 19 school districts. Each district operates independently with its own superintendent, elected board of education, and taxing authority.
In addition to the public school districts in San Antonio, the city also has over 100 parochial and private schools available for primary and secondary students.
When it comes to undergraduate colleges, the three biggest institutions in the city are the University of Texas at San Antonio, San Antonio College, and Northwest Vista College. Students who attend any of these schools have a higher chance of graduating since these institutions award the highest number of degrees out of all the undergraduate schools in Mission City.
The most popular fields of study for undergraduates in San Antonio are General Business Administration and Management, Liberal Arts and Sciences, and Registered Nursing.
Of the 32,538 degrees that were awarded, 18,649 went to women, while men received 13,889.
Wage by Race and Ethnicity in Common Jobs in San Antonio
How much you can expect to earn in San Antonio varies based on your race or ethnicity. Two people can do the same type of work or even have the same title, but the figure on each paycheck can be different.
Based on reports collected by DataUSA, we were able to pool detailed information on the wages earned by the city’s different ethnic groups.
The following table shows a breakdown of what each race in San Antonio earns by job type and what percentage of their income goes toward car insurance premiums.
|Ethnicity||Other Managers||Premiums as Percentage of Income||Drivers and Sales Workers||Premiums as Percentage of Income||Elementary and Middle School Teachers||Premiums as Percentage of Income||Retail Salespersons||Premiums as Percentage of Income||Cashiers||Premiums as Percentage of Income|
|Two or More Races||$82,011||7.40%||$45,454||13.35%||$37,410||16.23%||$27,758||21.87%||$10,370||58.53%|
One of the statistics that stands out like a sore thumb is how high the percentage rates are for lower-paying jobs. Each ethnic group in San Antonio has to set aside a large portion of their take-home pay for car insurance premiums. For example, cashiers and retailers of every race pay 20 to 58 percent of what they earn for car insurance. That’s a lot.
Wage by Gender for Common Jobs in San Antonio
The difference in pay is not exclusive to race and ethnicity. Gender also plays a role in the earning potential of San Antonio’s most common jobs, and there is a distinct difference between what females earn on an annual basis compared to their male counterparts.
The average male earns a salary of $67,436 in San Antonio while the median annual pay for a female is $48,835. Therefore, full-time male employees earn 1.38 percent more than full-time female employees in Mission City.
For more detailed information on the differences in wages between genders, take a look at the following table. It provides a breakdown of the earnings the San Antonio workforce takes home. This data is organized by the city’s most popular job categories.
|Gender||Other Managers||Premiums as Percentage of Income||Elementary and Middle School Teachers||Premiums as Percentage of Income||Drivers and Sales Workers||Premiums as Percentage of Income||Retail Salespersons||Premiums as Percentage of Income||Cashiers||Premiums as Percentage of Income|
Regardless of the job type, males seem to allocate a lower percentage of their annual pay toward auto insurance. However, managers and school teachers pay a similar percentage regardless of gender.
Poverty by Age and Gender in San Antonio
Unfortunately, poverty exists in Mission City.
San Antonians who do not earn enough money to cover the cost of the essential resources needed to live an adequate lifestyle are considered to be living in poverty.
A total of 18.6 percent of the city’s population has confirmed poverty status, which is greater than the national average of 13.1 percent. Females aged 25–34 make up the largest demographic living in poverty, with a total of 21,621 people.
While these figures might seem alarming, it’s important to note that the United States Census Bureau is responsible for setting the money income thresholds that determine if a person is impoverished. That threshold is always subject to change over time.
Poverty by Race and Ethnicity in San Antonio
You might be curious to know the ethnic groups impacted the most by poverty in San Antonio.
Whites account for 44.7 percent of the city’s residents who live below the poverty line, making them the largest racial demographic affected. They are followed closely by Hispanics at 42.6 percent.
Black people make up the next largest impoverished demographic at 5.14 percent.
Employment by Occupations in San Antonio
Employment opportunities in San Antonio are expanding, especially since the city experienced a 1.42 percent increase in positive growth over a year’s span. Some of the city’s most popular occupations are the following:
- Office and Administrative Support Occupations – 92,026 people; 12.8 percent of the workforce
- Sales and Related Occupations – 77,781 people; 10.9 percent of the workforce
- Management Occupations – 58,171 people; 8.12 percent of the workforce
Comparatively speaking, these three occupations make up a significant part of the workforce in most big cities. Since they cover a wide range of fields, there are a high number of college graduates that flock to these types of jobs all over the country.
One field of employment that is unique to San Antonio is construction. This type of work is found in Mission City 1.51 times more than expected as it relates to other American cities.
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Driving in San Antonio
Having a car insurance policy is necessary if you want to legally drive and have peace of mind while cruising the streets of San Antonio. Once you’ve found a provider, you’re finally free to enjoy the freedom that comes with traveling to any place you want to visit.
To give you a little inspiration, take a look at the following video and experience a virtual drive around Mission City. It might just give you a few ideas on where to go and what to see on your next day off.
This section will cover everything related to driving in San Antonio, and we won’t limit what we discuss to the downtown area like in the video. Keep reading to learn about major streets and highways, popular destinations, most popular car models, traffic, weather, road conditions, and alternative forms of transportation in Mission City.
What are major roads in San Antonio?
San Antonians love their cars. Thousands travel along the major roadways of Mission City every day to see how its rich history collides with modern charm.
In order to help you navigate San Antonio’s roads, the following sections will tell you all about the city’s most-traveled highways, popular road trip destinations, road conditions, and even red-light cameras.
Before we get into the details about San Antonio’s major highways, take a look at an aerial view of the highway system to get an idea of how the infrastructure is laid out.
As you can see from the map, the major metropolitan area has a highway system that follows a circular structure. Interstate 410 forms a perimeter around the city while I-35, I-37, and I-10 act as veins that connect the outer edge to the heart of the city.
While some Texas cities — like Houston and Dallas — have a tollway system, San Antonio does not. That means you can travel around the major highway system knowing you won’t have to shell out cash for the privilege.
Popular Road Trips/Sites
When you think about the most popular sites in San Antonio, the first thing that probably comes to mind is the Alamo. But there’s so much more to see in Mission City. Take a look at the following video for some ideas on where to go and what to see in this charismatic city.
And if you’d rather take a look at a written list of popular destinations in San Antonio, we’ve got you covered below.
- The Alamo – One of the most popular historical sites in the country, you can learn about the Battle of the Alamo here, which served as a pivotal moment during the Texas Revolution in 1836.
- San Antonio Missions National Historical Park – Continue your historical education at the San Antonio Missions, which has now been named a UNESCO World Heritage Site.
- The San Antonio River Walk – Serving as the centerpiece of the city, the San Antonio River Walk offers beautiful views of the city with a plethora of dining and shopping options.
- Six Flags Fiesta Texas – Everybody in the family can enjoy a day trip to Six Flags Fiesta Texas, a theme park that offers roller coasters, thrill rides, and attractions for all age levels.
- San Fernando Cathedral – One of the oldest of its kind in the United States, the San Fernando Cathedral is a beautiful piece of architecture that doubles as a stage for a video-art attraction called “The Saga.”
While these are all great suggestions, the best way to experience San Antonio is by getting out there on the streets and exploring it for yourself. Sounds like fun, right?
With so many exciting destinations to see, there is a lot of traffic that passes through San Antonio each day. As you can imagine, the city roads can take a beating after a while, so you might be curious to know the state of the city’s roads. Take a look at the following to see what the road conditions are like in Mission City.
- Poor Share – 29 percent
- Mediocre Share – 31 percent
- Fair Share – 11 percent
- Good Share – 29 percent
- Vehicle Operating Costs (VOC) – $710
There is a relatively even spread across the board between poor and good condition roads. Still, it only takes one pothole to end up with some serious damage to your car. Luckily for San Antonians, there are people out there working hard to get all of those potholes fixed.
Take a look at the following video from KSAT 12 that covers a record set by the TCI.
Even with crews like this working hard to make the roads of San Antonio as smooth as possible, it’s always a great idea to have comprehensive coverage in case something unexpected comes up.
Does San Antonio use speeding or red-light cameras?
Texas Governor Greg Abbott signed a bill in the summer of 2019 that bans red-light cameras throughout the entire state of Texas. San Antonio has complied with this measure, but the two suburbs of Leon Valley and Balcones Heights are still trying to extend their respective red-light programs.
Take a look at the following news coverage from KENS 5 San Antonio that further explains the ban and how these two suburbs have reacted to the bill.
If you’re within the city limits of San Antonio, you don’t have much to worry about in terms of getting cited by red-light cameras. However, Leon Valley and Balcones Heights are claiming that they will still issue civil penalties.
What type of vehicles are in San Antonio?
With a large population of nearly 1.5 million people, there’s a lot of different vehicles driving around San Antonio. With a hotter climate, you might think that a lot of San Antonians opt for a convertible, so the truth about the most common cars in the city might surprise you.
This next section will cover interesting data related to San Antonio’s most popular vehicles, the number of cars each household owns, speed traps, and vehicle theft. Keep reading to learn all about what models you can expect to see on the road and how to protect your own.
Most Popular Vehicles Owned
San Antonio ranks second in the country for the number of people that drive a muscle car. In fact, San Antonians are more than twice as likely to drive a powerful car with a V8 engine compared to someone who lives in Boston.
Even though San Antonians love their muscle cars, the most popular vehicle in the city is the Chevrolet Silverado 1500. Depending on the trim, these trucks get around 23 miles to the gallon on the highway, which isn’t bad at all for a pickup.
Take a look at the following review from Kelley Blue Book to learn more about San Antonio’s most popular vehicle.
Overall, you will see a fairly even mix of pickups, cars, and SUVs on the roads of San Antonio, with a few fun surprises, especially at the San Antonio Auto and Truck Show which takes place in November.
How Many Cars per Household
A report from DataUSA states that 40.2 percent of households in San Antonio report owning two cars. This is on par with the national average for the number of cars per household, so not too surprising.
Going down the list of most common responses to this question, 23 percent reported owning one car, and 21.5 percent reported owning three. Four-car households account for 9.17 percent of the market in San Antonio, while five-car households are at 2.95 percent.
Finally, only 3.46 percent of people in the San Antonio market do not own a vehicle.
Households Without a Car
Speaking of San Antonio households that don’t have a car, the percentage fluctuates from year to year. Take a look at the following table to see how these figures have changed over a two-year period.
|Year||Households Without Vehicles||Vehicles per Household|
One takeaway from this data is that the slight change between the years shows that car ownership is on the rise.
Speed Traps in San Antonio
Compared to the rest of Texas, San Antonio is not that bad when it comes to speed traps. This data suggests that the city has only five speed traps, while Austin has 11, and Houston has 29.
Still, five is enough to land San Antonio on the top 10 list of Texas’ worst cities for speed traps, but it comes in all the way down at number nine.
Vehicle Theft in San Antonio
Unfortunately, every time you leave your vehicle parked somewhere in plain sight, criminals see it as a sitting duck. This is an unpleasant thing to think about, but you should always be mindful of the potential for vehicle theft or break-ins.
Take a look at the following local news coverage from KENS 5 that did a quick story on vehicle theft in San Antonio.
The FBI recently reported that San Antonio experienced a total of 6,089 vehicle thefts in one year. While this number may seem staggering, Mission City still ranks as being safer than 5 percent of American cities.
For a detailed view of annual crime in San Antonio, take a look at the following table, which contains data obtained by Neighborhood Scout.
|Crimes||Total Cases||Per 1,000 Residents|
Neighborhood Scout also declared the following to be the 10 safest neighborhoods in San Antonio:
- FM Road 2696/Wilderness Oak
- FM Road 2696/Midnight Drive
- Route 90 Service Road/Ray Ellison Drive
- E. Borgfeld Drive/Dal Cin Drive
- Route 211/Route 16
- Smithson Valley Road/Laurie Michelle
- Mesa Ranch/Mesa Ridge
- Luke Boulevard/State Loop
- Road/Harney Road
- Scenic Oaks
For a better understanding of the geographical layout of these neighborhoods, it might be a good idea to consult Google Maps to see how these borders fit together in the city.
How is traffic in San Antonio?
As we’ve already mentioned, San Antonio is the second-largest city in Texas. That translates into a lot of drivers on the road. So you might be curious about the traffic situation in Mission City. We’ll explore this topic in detail right now.
Traffic Congestion in San Antonio
When it comes to traffic congestion in San Antonio, data from INRIX suggests that the city ranks at number 163 in comparison to other major cities in the world. While there are 162 cities that have worse congestion, we still experience plenty of time sitting at red lights and crawling behind slow drivers.
Take a look at the following table to see how San Antonio’s traffic congestion costs each driver in time and money.
|San Antonio Traffic Congestion||Details|
|Hours Lost in Congestion||60|
|Cost of Congestion per Driver||$832|
|Inner City Travel Time (Minutes)||4|
|Inner City Last Mile Speed (MPH)||17|
It’s not until the figures are in front of us that we stop to think about how much traffic can really cost. San Antonians lose 60 hours of time and $832 every year to traffic congestion. It’s a bit maddening, but traffic is a reality all over the world and this city isn’t nearly as bad as some others. That’s the silver lining you can think about next time you’re deadlocked at the intersection of Santa Rosa and Commerce.
If you want to do your best to avoid traffic congestion, a report from TomTom recommends avoiding travel on Thursdays, since that’s the day of the week with the heaviest traffic, on average. More information on this can be found in the next table.
|San Antonio TomTom Traffic Index Ranking||Details|
|Total Congestion||19% (up 1%)|
|Extra Travel Time||27 minutes per day|
|Morning Peak||37% congestion|
|Evening Peak||53% congestion|
This data suggests that it will take you longer to get home from work in the evening than it will take to get from your house to work in the morning. It’s also a good idea to take highways wherever you can since these roads experience less congestion than the main city streets.
On average, San Antonians spend 23.8 minutes commuting to work, coming in under the country’s average commute time of 25.7 minutes. One factor that adds to this average is that some residents have commute times of over 90 minutes. Still, those super commuters only account for 1.72 percent of the San Antonio workforce.
The majority of San Antonio commuters — 78 percent — choose to drive to work alone. Following this group are those who carpool at 12.1 percent and those who work from home at 3.48 percent.
The Texas A&M Transportation Institute reported that the three busiest highways in San Antonio are the McAllister Freeway, PanAm Expressway, and the Charles W. Anderson Loop. These highways are largely responsible for contributing to all the lost time and fuel costs that we previously covered in the “Traffic Congestion” section above.
These highways have become busier over the past five years; as the city’s population continues to grow, traffic on San Antonio’s most popular roads will get worse. If you regularly travel on the McAllister Freeway, PanAm Expressway, or the Charles W. Anderson Loop, be mindful of how much time you allow yourself to get to your destination.
How safe are San Antonio streets and roads?
While the streets and roads of Mission City are predominately safe, road fatalities are a fact of life just about everywhere. Take a look at the table below that shows the total number of fatalities in Bexar County from 2014 to 2018. All of these figures were gathered from the NHTSA.
Each year looks relatively similar except for the spike that was seen in 2016. Since then, traffic fatalities have been down, which is always a positive sign.
NHTSA also found the following data on the different types of crashes that occurred in Bexar County:
|Crash Type||Fatalities 2014||Fatalities 2015||Fatalities 2016||Fatalities 2017||Fatalities 2018|
|Involving a Single Vehicle Crash||113||110||134||109||106|
|Involving an Alcohol-Impaired Driver (BAC .08+)||74||82||96||70||77|
|Involving a Roadway Departure||75||92||87||68||74|
|Involving Pedestrian Death||57||46||68||50||54|
|Involving Passenger Car Occupant Death||54||72||71||59||54|
|Involving an Intersection (or Intersection Related)||39||40||41||30||49|
|Involving Pedalcyclist Death||1||5||5||4||5|
As you can see from the data, most crash types have fluctuated up and down over the past five years. Pedalcyclist fatalities have remained the lowest statistic, never reaching double digits.
Allstate America’s Best Drivers Report
Allstate releases an annual report that ranks 200 American cities based on the quality of their drivers. This is called the Allstate America’s Best Drivers Report, and it places a huge emphasis on how safe it is to use the public roads in each city.
According to the 2019 report, San Antonio ranks as the 138th-safest city to drive in.
Further details from the report revealed that the average San Antonian has 8.2 years between claims. Data regarding hard-braking events was not made available in the company’s findings.
Rideshare companies have transformed the way that people get around San Antonio, especially when getting to and from the airport.
Apps like Uber or Lyft make it easy to get from one area of the city to another at an affordable rate. For example, Ride Guru estimates that it will cost you the following amounts to take a trip from the San Antonio International Airport to the River Walk Trail on Josephine Street:
- Lyft – $15
- Uber – $15
- Taxi – $24
Keep in mind that price differences are based on a few variables, like the time and length of the trip, as well as driver demand for each particular rideshare company. Nonetheless, this should give you a fairly accurate idea of what you can expect to pay.
E-star Repair Shops
Even if you’re a superb driver, an accident is always a possibility because what other drivers do is out of your control. When that happens, you’ll probably be looking for a good repair shop that is geographically close to the crash scene, especially if severe damage has been done to your vehicle.
One of the best ways to find a reputable autobody shop is to locate the nearest E-star repair shop. You can do this by typing your address into their convenient E-star repair shop finder tool.
Take a look at the following table to see a variety of E-star repair shops that are available in the San Antonio area.
|Shop Name||Address||Contact Info|
|Caliber - San Antonio - 281 N||23758 Highway 281 N.|
San Antonio, TX 78258
P: (830) 980-6888
|Caliber - San Antonio - IH-10||13649 West IH-10|
San Antonio, TX 78249
P: (210) 696-4700
|Service King Babcock||5631 Babcock Rd.|
San Antonio, TX 78240
P: (210) 697-8800
|Service King Bulverde||5371 US Highway 281 North|
Spring Branch, TX 78070
P: (830) 228-4440
|Service King De Zavala||5998 DeZavala # 2|
San Antonio, TX 78249
P: (210) 696-3094
|Service King San Pedro||16211 San Pedro|
San Antonio, TX 78232
P: (210) 495-2220
What is the weather like in San Antonio?
Texas is a massive state that covers a large geographical area. Due to its sheer size, the Lone Star State experiences a variety of different weather patterns.
San Antonio is located in the south-central part of Texas, so the city doesn’t experience much cold weather, nor does it get a lot of rain. Take a look at the following table that contains more information from U.S. Climate Data regarding the weather in Mission City.
|San Antonio Weather||Statistics|
|Annual Average High Temperature||79.8°|
|Annual Average Low Temperature||57.6°|
|Average Annual Precipitation – Rainfall||32.91 inches|
|Days per Year With Precipitation – Rainfall||-|
|Annual Hours of Sunshine||-|
|Average Annual Snowfall||-|
There is typically no snowfall to be found in San Antonio, which is why there is no statistical data available to measure. It truly is a sunny city with minimal precipitation.
Is public transit available in San Antonio?
You can get around Mission City without a car by using the VIA Metro Transit System, which serves San Antonio and the surrounding suburbs. These buses operate out of six transit centers and eight park and ride facilities with a daily ridership of nearly 148,500 people.
The VIA has a fleet of 474 buses and offers a total of 112 routes throughout the greater San Antonio metropolitan area.
The transit system’s mission is to “provide regional multimodal transportation options that connect our community to opportunity, support economic vitality and enhance the quality of life throughout our region,” according to the VIA website.
The public transit system in San Antonio is pretty extensive and serves as a nice alternative to driving or taking a rideshare service.
Are other alternate transportation available in San Antonio?
Many cities in America have taken quickly to alternative forms of transportation like bike-share and scooter-share programs. San Antonio joined the party after passing a bill in 2019 that allows dockless scooter rentals as an alternative form of transportation.
Since these are so new, it’s important to get acclimated to the rules like making sure you don’t ride your scooter or e-bike on the sidewalks.
Currently, the popular rental company Lime does not operate in San Antonio but the city has contracts with Razor and Bird. The next time you feel like scooting around town, just download one of these apps and get going.
Is parking easy in San Antonio?
There are a total of 26,453 parking spots located in the urban core of San Antonio, and the city government has made significant improvements to modernize the way locals and tourists park in Mission City.
This updated parking system has made it much easier for residents to find available public parking all over the city, including Downtown San Antonio.
Take a look at the following video for more details.
Using the city’s parking system is easy to understand and there is no cost after 6 p.m. and all day on Sundays.
How is the air quality in San Antonio?
Nobody wants to breathe in air that isn’t healthy. That’s why the Environmental Protection Agency releases an annual report that measures maximum AQI (Air Quality Index) values and provides further information for different groups of people who might be susceptible to illness on poor air quality days.
Here’s what the EPA found for the air quality in San Antonio for a three-year stretch between 2016 and 2018.
|San Antonio-New Braunfels||2016||2017||2018|
|Days With AQI||366||362||365|
|Days Unhealthy for Sensitive Groups||5||4||10|
If this data tells us anything, it’s that San Antonio seldom has a day with poor quality air. There’s been a total of only four days in this three-year span where the EPA determined that the air quality in the city was unhealthy.
As a city with a rich history relating to the armed forces, San Antonio is home to a number of active military personnel and veterans.
The majority of veterans who live in San Antonio served in the Second Gulf War, with a total of 30,380 vets, which is 3.78 times greater than the national average. Following those who served in the Second Gulf War are Vietnam veterans with a total of 28,294.
As a military city, the greater San Antonio area is home to one of the largest concentrations of military bases in the country with a total of six: Joint Base San Antonio, Fort Sam Houston, Brooks City, Lackland AFB, Randolph AFB, and Camp Bullis.
One benefit of being part of the U.S. military is that you can get great deals on things like premium credit cards and even insurance policies. For example, USAA offers highly competitive car insurance rates for active duty and retired members of the military.
Unique City Laws
While Texas has plenty of laws that apply to the entire state, including San Antonio, some of the strangest laws include:
- It’s illegal to eat out of your neighbor’s garbage without asking for permission first.
- It’s illegal to milk another person’s cow.
- If you’re an active member of the military who is stationed outside of the country, you can still get married.
- The Encyclopedia Britannica is banned since it holds a formula that you can use to make beer at home.
Another interesting recent piece of legislation involves food trucks. With mobile eateries gaining popularity in San Antonio, the city government oversees the distribution of mobile food permits.
Tiny homes are rising in popularity all over the world, and that includes San Antonio, where they are explicitly permitted by law. There’s a website called Tiny House Listings that has a collection of properties in the area you can peruse.
Lastly, when it comes to parking in San Antonio, it is acceptable to leave your vehicle in a space as long as it doesn’t fall into any of the following circumstances:
- In an intersection, on a sidewalk, crosswalk (marked or unmarked), or railroad track
- In front of any driveway
- Within 15 feet of a fire hydrant
- Within 20 feet of a crosswalk (marked or unmarked)
- Within 30 feet of a yield sign, stop sign, or traffic signal
- Double parked on a street
As long as you don’t leave your car in any of those types of spots, you are legally parked in Mission City.
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San Antonio Car Insurance FAQs
Now that we’ve covered just about everything there is to know about driving in San Antonio, you might be wondering about some of the most commonly asked questions people have about the city.
In this last section, we’ll provide you with some more answers. This will hopefully shed light on the things you’re most curious to know about life in Mission City.
What do I need to know about moving to San Antonio?
Between the nice weather, great housing market, and a long list of things to do, moving to San Antonio is a great idea. You should know that many of San Antonio’s neighborhoods are picturesque and offer a different vibe from one part of the city to the next. Finding work in the city is also easy since the unemployment rate amongst San Antonians is below the state average.
Does San Antonio have tornadoes?
Even though San Antonio is located in the central part of Texas where wind gusts can stir, the city is mostly out of harm’s way when it comes to tornadoes. Still, this type of natural disaster occurs from time to time — like when nine twisters touched down across San Antonio in 2017.
What is the coldest month in San Antonio?
San Antonio’s coldest month is January, when the average overnight temperature is 38.6°. Temperatures of 32° or below occur on an average of 21 days per year, often for only an hour or so in the early morning.
Does San Antonio have high humidity?
The National Weather Service claims that humidity averages about 80 percent in the early morning during most of the year but drops to about 50 percent by the late afternoon. These levels peak during the summer months so rainfall and thunderstorms are more common from May to September.
What is the best month to visit San Antonio?
That depends on who you ask but if you’re looking to come during the mild season, November through April is the time of year when the weather is most temperate. Furthermore, summertime sees an influx of tourists since more people are taking vacations and children are on break from school. Avoid the big crowds and hot weather by visiting in the winter and spring.
Now that you know the ins and outs of living and driving in San Antonio, is there anything about auto insurance that you wish to learn more about? If not, get instant quotes by entering your ZIP code below.