San Antonio, TX Car Insurance

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San Antonio car insurance quotes near you

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 driversMinimum 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 coverageTo 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 coverageTo 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 coverageMedical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Uninsured/underinsured driver property damage coverageTo repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Temporary transportation coverageTransportation 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.

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Best day trips around San Antonio 

San Antonio car insurance
You can easily soak up nature’s wonders without getting too far from downtown 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 

San Antonio auto insurance
The Via helps San Antonians get from Point A to B without needing to get in the driver’s seat of their car

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.

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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.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.