- What car insurance coverage is required in San Antonio?
- Additional coverages available to San Antonio drivers
- How much does Lemonade Car insurance cost in San Antonio?
- Best day trips around San Antonio
- Other ways of getting around San Antonio
- How accessible are hybrid and electric vehicles in San Antonio?
Spinning your wheels trying to get the best auto insurance rates in San Antonio? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in San Antonio knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in San Antonio are determined by the state of Texas. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on San Antonio auto insurance.
What car insurance coverage is required in San Antonio?
The state of Texas requires all San Antonio drivers to have car insurance.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Texas’s car insurance coverage requirements, San Antonio drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for San Antonio drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Keep in mind: Your levels of bodily injury and property damage liability insurance don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to San Antonio drivers
San Antonio drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured/underinsured driver bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
Want to dive into the nitty-gritty of what Texas car insurance has to offer? Get the full scoop here.
How much does Lemonade Car insurance cost in San Antonio?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in San Antonio.
How can I find a trustworthy car repair shop in San Antonio?
When your car gets damaged and needs repairs, knowing where to go can feel overwhelming. We get it—mechanics can seem intimidating, and it’s not always easy to know what questions to ask the car repair shop before trusting them with your ride.
Not sure where to start? Click below for a list of car repair shops in San Antonio—including contact details—that Lemonade has had positive experiences with in the past, if you’re interested.
Here are a few tips to make sure the shop you choose is trustworthy:
- Check reviews and ratings from other customers to see what their experiences have been.
- Ask for certifications like ASE (Automotive Service Excellence) to ensure the mechanics are well-qualified.
- Get a detailed estimate before agreeing to any repairs so there are no surprises later.
Keep in mind: Some car repairs may take longer than usual, check out why delays are happening and how to be prepared here.
Best day trips around San Antonio
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from San Antonio
The San Antonio Botanical Gardens
Spread out over 38-acres in the heart of the city, the San Antonio Botanical Gardens is a world-renowned garden. It is known for its botanical diversity, horticultural displays, education, and conservation. The garden hosts over 350,000 guests annually, and has served over 28,000 people through its educational programming.
The Institute of Texan Cultures
A component of the University of Texas at San Antonio, and located in the city center, the Institute of Texan Cultures celebrates the diverse peoples and cultures that call Texas home. It highlights the contributions of these cultures through dance and music, food, art, traditions and stories, and more. In addition to the exhibits and special events hosted at the center, the Institute also offers outreach programs to schools and other groups, as well as teacher trainings.
Natural Bridge Caverns
Just a half hour drive outside of San Antonio, the Natural Bridge Caverns are considered naturally amazing. Formed about 20 million years ago, these limestone caves are filled with stunning natural formations and passages. While there, you can tour the largest show cavern in Texas, or explore another world-class cave in the Hidden Passages Tour. And if you are a fan of bats, check out the Bracken Cave, which is home to millions of Mexican Free-tailed bats.
San Antonio Missions
The San Antonio Missions is a National Park Service Site, and the only UNESCO World Heritage site in Texas. Located about a 20-minute drive from downtown San Antonio, it features the remains of 5 colonial Spanish missions, each about two to three miles from each other. While there you can go on a ranger-led tour, learn about the many bird and animal species that call the park home, and explore the history and culture of the San Antonio missions.
Other ways of getting around San Antonio
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Via operates the bus system throughout the San Antonio area. Like many US cities, San Antonio residents who choose not to drive can get around using bikeshares and electric scooters, as well as rideshares.
San Antonio is a sprawling city and as a whole isn’t considered one of the most walkable cities in America. But there are some neighborhoods—like Downtown, Five Points, Tobin Hill, and King William, that are easy to get around on foot, according to Walk Score.
At Lemonade Car, we reward low-mileage drivers with lower premiums. San Antonio drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in San Antonio?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
San Antonio has been making strides towards being a more EV-friendly city since as early as 2017 when the city council passed a resolution in favor of the Paris Climate Agreement. In 2019, the municipality adopted the EV section of their SA Tomorrow Sustainability Plan as well as their Ozone Attainment Master Plan.
According to the current Climate Dashboard, the city has recently hatched a plan to encourage EV use by private citizens, and in addition has committed to converting most of the city fleet’s energy sources to alternative routes, including electric.
San Antonio will also benefit from a $408 million Federal Bipartisan Infrastructure Law that was signed at the end of 2021. The funds will be used to install EV charging stations throughout Texas, including around San Antonio.
You can check out where your nearest EV charging stations are here.
At Lemonade Car, we support San Antonio drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Fast transportation facts about San Antonio
San Antonio isn’t just the most visited city in Texas—it’s also a haven for those who love all things that move fast. Here are a few San Antonio-oriented transportation-centric tidbits:
The Texas Transportation Museum
The Texas Transportation Museum is a volunteer-run museum focusing on the history of transportation. For over 50 years, the Texas Transportation Museum has been delighting visitors with model trains, historical automobiles and horse carriages, and even a working passenger railroad.
San Antonio Fire Museum
Founded by five firefighters, The San Antonio Fire Museum is located in what used to be the city’s central fire station. Now it is a testament to the bravery and courage of firefighters throughout the world. At the museum, visitors can see antique fire trucks and equipment, and even climb on a 1953 International fire truck.
Before we drive off into the sunset…
San Antonio drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on the 1604!
Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car..
Let’s drive.
FAQs
How much is car insurance in San Antonio per month?
The average cost of car insurance in San Antonio varies widely based on factors like age, driving history, and the type of coverage selected. According to ValuePenguin, the average cost per month for minimum coverage insurance is about $56, whereas the average cost per month for full coverage insurance is about $145.
What is the minimum amount of insurance required in San Antonio?
In San Antonio, the state of Texas mandates that drivers have a minimum of $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 in property damage liability coverage. These are the required minimums to legally drive in Texas, but you can choose higher coverage amounts for added protection.
Can I customize my Lemonade Car insurance policy to fit my needs in San Antonio?
Absolutely, you can customize your Lemonade Car insurance policy by selecting different coverage limits and deductibles. You can also add optional coverages such as collision, comprehensive, and personal injury protection to tailor your policy to your specific needs.
How can I adjust my coverage to account for severe weather events in San Antonio?
To protect against severe weather events common in San Antonio, such as strong winds, thunderstorms, or flooding, you should consider comprehensive coverage. This will cover damage to your vehicle from non-collision incidents, including weather-related damages, such as if a tree falls during a thunderstorm and lands on your parked car, causing severe body damage to the vehicle.
What should I do if my Lemonade app is not working?
If your Lemonade app is not working, try restarting your phone or reinstalling the app. If the problem persists, you can contact Lemonade customer support at [email protected] for further assistance.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.
