Auto Insurance in San Antonio (78235)
Texas · Below Average · 40th percentile statewide
Carrier Rates in 78235
6-month premiums from SERFF rate filings. Standard driver profile.
How 78235 Compares
San Antonio (78235) is below average for auto insurance in Texas, ranking in the 40th percentile.
The cheapest carrier is USAA at $328/6mo — 52% less than the most expensive (State Farm at $676).
The median premium of $494 is 3% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in San Antonio (78235)?
The median 6-month premium in San Antonio (78235) is $494 across 5 carriers. Premiums range from $328 to $676, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78235?
USAA offers the lowest rate in 78235 at $328/6mo. That's 52% less than the most expensive option (State Farm at $676/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 78235?
Auto insurance rates in San Antonio (78235) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Antonio ranks in the 40th percentile statewide, meaning it's below average compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 78235?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.