Families and Teen Drivers
Adding a new driver, a second car or a student away at school.
Auto Insurance in San Antonio
Car, truck and motorcycle coverage compared across more than one insurance company, with the Texas minimums and the options above them explained before you buy.
Who It's For
Commuters
Daily drives on Loop 1604, I-10 and US 281 with limits that fit what you own.
Motorcycles, Trailers and RVs
Quoted on their own or alongside your auto policy.
What It Covers
Liability
Injury and property damage you cause to others. Texas requires at least 30/60/25.
Collision
Damage to your car from hitting another vehicle or object.
Comprehensive
Theft, hail, flood, fire, vandalism and hitting an animal.
Uninsured and Underinsured Motorist
Pays you when the at fault driver has no insurance or not enough.
Personal Injury Protection
Medical bills and lost wages for you and your passengers, regardless of fault.
Rental and Roadside
A rental car while yours is in the shop, and help when you break down.
Texas and San Antonio Details
Texas requires liability limits of at least $30,000 per injured person, $60,000 per accident and $25,000 for property damage, written as 30/60/25. A newer vehicle or one serious accident can go past those limits fast, so many drivers choose higher limits.
Insurance companies in Texas must include personal injury protection of at least $2,500 and offer uninsured and underinsured motorist coverage. You can turn either down, but it has to be in writing. We go over both before you decide.
Hail is a regular San Antonio auto claim. Liability alone does not pay for hail damage to your own car.
Common Questions
What Are the Minimum Car Insurance Requirements in Texas?
Liability of $30,000 per injured person, $60,000 per accident and $25,000 for property damage. Insurance companies must also include PIP and offer uninsured motorist coverage unless you reject them in writing.
Should I Carry Uninsured Motorist Coverage?
It is worth a close look in Texas, where some drivers carry no insurance. It pays for your injuries and, with the property damage part, your car when an uninsured driver is at fault.
Does My Auto Policy Cover Hail?
Yes, when your policy includes the physical damage coverage that handles theft, hail and flood. Liability alone does not cover damage to your own car.
Can I Add a Teen Driver?
Yes. Add them when they get their license. Many insurance companies offer good student and driver training discounts.
Do You Insure Motorcycles and Trailers?
Yes. Motorcycles, trailers and RVs can be quoted on their own or alongside your auto policy.
Related Coverage
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