Car Insurance in San Antonio, TX

Enter your zip code below to start your quote

Find an Agent

Tell us about your residence

Welcome back!

You can pick up from where you left by retrieving your quote below.

Search by Quote ID →

Mercury Car Insurance in San Antonio, TX

Whether you’re commuting downtown during Fiesta San Antonio or taking a family trip to SeaWorld, Mercury provides San Antonio with auto insurance plans designed to protect you through every twist and turn. Our policies cover everything from minor scrapes in packed parking lots to more significant damages from hail storms or flash floods, ensuring you can enjoy all the sights and sounds of Alamo City worry-free. Plus, you can save big with our wide variety of discounts, including multi-car, multi-policy, and paid-in-full discounts.

Why Choose Mercury in Texas?

Local expertise: Our San Antonio agents understand the driving conditions of Alamo City, from navigating downtown traffic to dealing with unpredictable Texas weather. They provide personalized advice and policy adjustments tailored to your needs.
Affordable rates: We believe protecting your car shouldn’t cost a fortune. Mercury offers competitive rates with plenty of ways to save, like discounts for safe driving, bundling policies, or insuring multiple vehicles.
24/7 claims support: Mercury’s around-the-clock claims service ensures that help is just a call away, whether it’s for a fender bender on I-10 or storm damage after a sudden hailstorm.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in San Antonio?

In San Antonio, all drivers are legally required to have auto insurance. This law helps protect you and other drivers and pedestrians in case of an accident and ensures that funds are available to pay for injuries or damages you may cause while driving.

Legal Requirements to Drive in San Antonio

According to the Texas Department of Insurance, you must have liability insurance that meets at least the following minimums to legally drive in San Antonio:

Bodily injury: $30,000 per person and $60,000 per accident
Property damage: $25,000 per accident

Liability insurance helps cover the costs of injuries to others and damage to their property, but it doesn’t cover damage to your own vehicle or your personal injuries.

Optional San Antonio Car Insurance

While every driver in San Antonio needs to meet the minimum liability insurance requirements, several optional coverage types can provide additional peace of mind. Here’s a look at optional insurance coverages you might consider:

Collision Coverage

Collision insurance helps pay for repairs to your vehicle if it’s damaged in a collision, regardless of who is at fault. Whether you hit another vehicle or a stationary object, this coverage can help manage the costs of getting your car back on the road.

Comprehensive Coverage

Comprehensive insurance goes beyond collisions. It covers damage to your car caused by various non-collision events, such as theft, fire, vandalism, and natural disasters like hail or floods. This is especially valuable in San Antonio, where weather can be unpredictable.

Uninsured/Underinsured Motorist Coverage

Despite laws requiring insurance, some drivers may not have sufficient coverage. Uninsured/underinsured motorist coverage protects you if you’re in an accident where the other driver is at fault and doesn’t have enough insurance to cover the damages.

Personal Injury Protection (PIP)

PIP covers medical expenses and, in some cases, lost wages and other damages, regardless of who’s responsible for the accident. This coverage can help you financially while you recover from your injuries.

What Does San Antonio Auto Insurance Not Cover?

Understanding what your auto insurance policy does not cover is just as important as knowing what it does. Here are some common exclusions in auto insurance policies that you should be aware of:

Personal belongings: Auto insurance typically doesn’t cover personal items that may be stolen from your vehicle or damaged in an accident. Make sure to have San Antonio homeowners or renters insurance to protect belongings like your phone, laptop, or other valuables.
Normal wear and tear: Auto insurance doesn’t cover wear and tear on your vehicle, including brake pads, tires, and other parts that deteriorate over time through normal use.
Intentional damage: Car insurance doesn’t cover any damage you intentionally cause to your vehicle.
Driving for business: If you use your vehicle for business purposes, such as making deliveries or transporting goods, you might need business auto insurance. Personal auto policies don’t typically cover vehicles used primarily for business.

How to Get Car Insurance in San Antonio

Getting car insurance in San Antonio is quick and easy with Mercury. Whether you need basic liability coverage or full coverage auto insurance, our local agents are here to help you find the right policy at a price that fits your budget.

Reach out to a Texas insurance agent to start your quote, or give us a call at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in San Antonio from Mercury

At Mercury, we believe in providing quality auto insurance at affordable rates. Every driver and vehicle is unique, and we offer personalized policies tailored to your specific needs and budget.

Save More with Discounts

Take advantage of numerous discounts to lower your premiums even further. Here are some ways you can save on your car insurance:

Multi-car discount: Save up to 14% when you insure more than one car.
Paid-in-full discount: Get 12% off your premium when you pay upfront.
Automatic payment discount: Enjoy a 3% discount for setting up automatic payments from your checking or savings account.
Multi-policy discount: Bundle your auto insurance with homeowners or renters insurance and save up to 14%.
Good student discount: Full-time students under 21 with a GPA of 3.0 or higher can save 10%.
E-signature discount: Sign all your documents electronically and get an extra 3% off.

Contact a local agent today to ask how you can reduce costs and enhance your driving experience.

Exterior of River Walk in downtown San Antonio.

Happy family with their son arrived by car to their new home, posing and embracing

Bundling with Mercury

Combine your auto insurance with San Antonio home insurance or renters insurance through Mercury to maximize your savings. Bundling your policies simplifies your insurance management and offers substantial discounts.

San Antonio home insurance: Protect your home against unexpected damages with comprehensive home insurance, which covers a wide range of perils, including storm damage, theft, and more.
San Antonio renters insurance: Invest in renters insurance and ensure your personal property is protected in the event of fire, theft, or other damages.

Top-Rated Auto Insurance in San Antonio

Mercury Insurance has been protecting Texas drivers for years, and we’re proud to be a trusted choice for San Antonio residents. With our focus on great customer service, reliable coverage, and affordable rates, we’re here to make sure you’re protected—whether you’re stuck in I-35 traffic, cruising through the Pearl District, or taking a weekend drive to the Hill Country.

San Antonio drivers count on Mercury because we make insurance simple, affordable, and dependable. Read their experiences and see why so many people in Alamo City trust us to have their back.