Car Insurance in San Antonio, TX

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.