San Antonio Auto Insurance


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The seat of Bexar County is home to just under 1.5 million residents and 1.3 million vehicle registrations in the greater metropolitan area, which represents an increase of nearly 20% in the past decade. That many drivers commuting in and out of San Antonio on a daily basis creates a high likelihood of a vehicular incident. Here is a brief look at some auto-related statistics for San Antonio, Texas:

  • 35,375 auto accidents in 2008
  • 7,430 vehicle thefts in 2009
  • Average commute time of 24.9 minutes
  • 15% of drivers are uninsured

With a large number of new drivers in the past ten years and a high number of uninsured and vehicle thefts, comprehensive San Antonio auto insurance is a necessity. In order to properly register your automobile in San Antonio, minimum standard auto insurance must be purchased from a Texas Department of Insurance licensed insurer. The state of Texas has established the minimum requirements in order to register an automobile and receive license plates, which includes the following:

  • Liability Insurance

Texas law requires Texas drivers to pay for accidents that they cause. This can be accomplished by purchasing basic automobile liability insurance to cover both bodily injury and property damage, which is required by state insurance law. This liability coverage protects you from claims made by a third party(ies) alleging negligence or fault on your part. Bodily injury liability insurance, at a minimum, also provides legal defense against such third party claims.

You must also be able to provide proof of insurance, which must be shown, among other instances, when asked for by a law enforcement officer or have an accident. Failure to do so may result in a first conviction fine between $175 and $300, followed by subsequent penalties of greater fines, revocation of your license, and impoundment of your vehicle. Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are a driver in San Antonio, such as medical payment coverage, personal injury protection, and uninsured/underinsured motorist coverage. It is important to remember to shop for low prices as well as quality service. SmartAutoInsurance.com is dedicated to finding great auto insurance in San Antonio, Texas.

Most vehicle and title registration services are provided by county tax offices in Texas. Few DMV locations are available, since it only came into existence a few years ago.

Principal Department of Motor Vehicles locations are listed here:

  • 233 N. Pecos La Trinidad, San Antonio (210) 335-2251
  • 1803 S. General McMullen Dr., San Antonio (210) 436-6611
  • 1258 Babcock Road, San Antonio (210) 737-1911
  • 6205 S. New Braunfels Ave., San Antonio (210) 531-2240