Get an Auto Insurance Quote in San Antonio
Discover how you can save on car insurance in San Antonio with a free, customized auto quote from GEICO. In San Antonio, where drivers face traffic conditions that are among the most congested in Texas, having the right insurance can make a significant difference. Connect with the insurance specialists at GEICO to find an auto insurance policy customized for San Antonio residents and designed for your coverage needs and budget. Get a free car insurance quote today!
Texas Minimum Car Insurance Requirements
Texas requires all drivers to have the following minimum coverages as part of their auto insurance policy:
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage: $25,000
- Personal injury protection (PIP): $2,500 unless you reject this coverage
Optional Coverages in Texas
Uninsured motorist and underinsured motorist coverages are optional in Texas. However, these coverages can provide additional protection if you’re in an accident with someone who either does not carry sufficient limits of insurance or who doesn’t carry insurance at all. Texas requires these useful coverages be offered by insurers, but they may be rejected in writing by drivers if they choose.
- Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
- Uninsured motorist property damage: $25,000 with a $250 deductible
While these are the minimum coverages for Texas, many drivers may choose to carry higher limits of liability and have additional coverages to protect their vehicles. Everyone's insurance needs are different. Check out our Coverage Calculator for a personalized recommendation.
Although Texas drivers can choose to reject uninsured and underinsured motorist coverage, you should consider adding this coverage to protect you financially in the event you are involved in an accident with someone who does not carry adequate auto insurance.
Consider opting for collision coverage to protect yourself from damage resulting from collisions, or comprehensive coverage to safeguard against non-collision incidents like theft, vandalism, and fire.
Car Insurance Discounts in San Antonio, Texas
GEICO offers a range of car insurance discounts to San Antonio drivers, including:
- DriveEasy Discount : It offers discounts on car insurance premiums by monitoring safe driving habits through the GEICO mobile app. Drivers become eligible for a discount of up to 10% by simply enrolling in the program and monitoring their driving.
- Good Student Discount : Get rewarded for hitting the books! High school and college students may qualify for lower rates for maintaining a B average or higher.
- Multi-Car Discount : Drive down premiums together by insuring multiple cars with GEICO.
- Good Driver Discount : Stay on the road to savings by maintaining safe driving habits. San Antonio drivers who have been accident-free for at least 5 years may be eligible for this discount.
- New Car Discount : Make that new car excitement last longer with lower insurance rates.
Penalties for Driving Without Insurance in San Antonio, TX
Driving without insurance in San Antonio, Texas, is illegal and has severe penalties. If caught, individuals may face fines ranging from $175 to $350 for a first offense. Subsequent offenses may incur higher fines. Driving uninsured can also result in the impoundment of your vehicle and the suspension of your driver's license until you can provide proof of insurance coverage and pay reinstatement fees. This suspension can impact your ability to commute, work, and fulfill daily responsibilities. Additionally, being uninsured leaves you personally liable for all damages, including medical expenses and property damage, in the event of an accident.
The repercussions of driving uninsured extend beyond immediate penalties. Uninsured drivers risk higher insurance premiums in the future and may be required to file an SR-22 form to prove compliance with the state's minimum liability insurance requirements. To protect yourself and others on the road, it's crucial to ensure you carry at least the minimum required insurance coverage mandated by Texas law.
Texas Car Insurance: Everything You Need to Know
Visit GEICO's Texas car insurance guide to learn about the state's auto insurance requirements, minimum coverages, defensive driver discount, graduated driver's licensing and more.
We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.
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